What is Curve?
Yes, it really is this simple. The one curve card replaces all the payment cards in your wallet. You use it as a regular card and the transactions goes to your different payment cards. I have set up a default payment card which is my most common used card. If the payment has gone to the wrong card you can very easily move the transaction within the app to the right card and account.
Easy to Set up
Download the Curve app and set up all the cards that I regularly use for payment. You take a picture of the card and add the expiry date and 3-digit CVC code. There will be a small verification transaction code to enter from your account and all is done. The card is added to the app and you are then ready to make payments via the curve app and card.
I use an American Express card to earn cashback and this was the only card that annoyingly couldn’t be added. An issue common to American Express as it can’t be used in all retailers, it’s not yet ready to be added to Curve, but watch this space. All of my other cards were added no problems.
The curve card arrives in the post
Around 1 week after ordering the Curve card arrived. There was one verification to do on the app for the Curve card and then I was ready to start using it.
It really is so simple, I just need the one card in my wallet for all my card transactions. SO far this week my transactions have been a mixture of business and personal, so some have been on my Starling account and others on my regular, paid off in full monthly, credit card. I am always finding myself use the wrong card for payment and of course I did it this week, but it was easy switch of the transaction from one card to another. I often end up putting business transactions onto my personal card incorrectly!
Access to spending information
I can see by card type and an overall list how much I have spent since using the Curve card. I have spent £56.86 with £23.55 on business expenses of stationery and parking and the remainder on personal grocery shopping and takeaway.
This view of my spending is very effective and it makes me think twice about that spend and whether it was necessary. The insights are really useful, and I can see how much better this will get with months’ worth of data.
There is a wonderful cashback offer where I can get a 1% cashback reward on three nominated retailers for the first three months of using my curve card. I have chosen Tesco, H&M and Boots as my nominated retailers. These are the retailer where I sped the most money so it’s a nice gift to get 1% cash back from those purchases as well.