1. Give your wallet some breathing room
Clean up your wallet with Curve
The headline benefit of Curve is that you can replace all your credit and debit cards with only one card.
Most of us—especially frequent travelers—have at least a few different credit and debit cards. Instead of carrying them all with you at all times, you can add all your Visa & Mastercard credit, debit and select prepaid cards to Curve. Then just pick which card you want to have active in the Curve app.
Can Curve really replace all my credit and debit cards?
Yes, with some caveats:
I generally recommend to always carry one Visa and one Mastercard, in case one of the networks experience issues. Personally, I carry a Curve Mastercard and a Chase Sapphire Reserve Visa credit card.
For certain transactions where a large sum is temporarily blocked on your card (such as when renting a car with insurance excess or paying for fuel at the pump), Curve is less than ideal. It will still work, but the blocked amount will be debited from your selected payment method. It will be refunded once the block is removed, but due to the way card networks work, it may take a few days before showing in your account.
American Express blocked Curve again for the second time this year, so Amex cards currenty aren’t supported.
2. Give your legacy bank superpowers 🚀 & save money on foreign exchange 🌏
Give your old bank superpowers with Curve
While many digital neo-banks offer features like push notifications and budgeting features, most brick-and-mortar banks and credit cards still don’t.
By channeling all your spend through Curve, you get all these features and more:
Real-time push notification when using your card
Tracking and categorization of expenses across all your cards
Real-time locking and unlocking of your card directly in the app
In-app receipt capture (e.g., for warranty or expense report purposes)
Additional 1% cashback from a range of your favorite retailers a.k.a. Curve Cash (NEW!)
Save money on foreign exchange. If your credit card charge a currency exchange markup (usually between 2-5% with most banks), you can choose to have Curve do the conversion at a mere 1% 0% markup. Ka-ching!
Note that, similar to Revolut, Curve adds a 0.5% (for $/€/£) to 1.5% fee (for other currencies) on weekends to protect against currency fluctuations while the markets are closed.
3. You can travel back in time
curve card will let you travel back in time
We all regret some life decisions from time to time—like that final tequila shot last night.
Luckily, with Curve, accidentally charging an expense to the wrong card is no longer something you need to regret.
If you change your mind, just click the Go Back in Time button in the app for up to 14 days after a transaction took place and select which card you want to move the charge to.
It’s nothing short of magic!
4. Keep your cards safe, yet accessible
Keep your cards safe with Curve
Few things are more annoying than having your wallet stolen—especially while traveling. But if you only carry your Curve card you just have one card to re-order.
The same goes in case your card details are exposed in a large scale hack (like the 2013 Target data breach), you would also just need to re-order one card.
Real-time transaction alerts also make it easy to notice fraudulent activities on your card.
Plus, if you lose it (or think you did)—you can lock your Curve card instantly with a single tap in the app. And unlock it with another tap if it turns up again. Crisis averted!
If you need to replace a debit/credit card while you are traveling, you can simply add the updated card details to your Curve app—instead of waiting for the card to be shipped to you on the other side of the world.
You can even add virtual card numbers (which many banks now issue for spending online), and spend using those in stores anywhere in the world.
Finally, instead of trying to remember the PIN codes of all your credit and debit cards, you only need to remember one. No sticky notes in your wallet required.
5. Earn more frequent flier miles, pay less fees
Maximize your frequent flyer earnings with curve card
There are quite a few credit cards around the world that will let you earn frequent flier miles, cashback or other rewards when paying for goods and services.
However, usually, these cards charge high foreign exchange fees, typically 3%. So in all but exceptional circumstances, it’s a terrible deal to use those cards abroad.
But by using the card through Curve and letting them do the currency exchange, you get the true interbank exchange rate. Suddenly, using your rewards cards abroad is a much better deal!
How much you can spend in other currencies for free depends on which Curve card you have. More details below.
As mentioned, Curve will also give you an extra 1% cashback on everything you spend with a selection of your favorite retailers. This is in addition to whatever miles or cashback you earn with your underlying card. With Curve Blue, you’ll get this benefit for three months. But by upgrading to Black or Metal, you get to keep it permanently!
6. Get free cash withdrawals with credit & debit cards
While a few debit cards allow free cash withdrawals, credit cards usually don’t. Besides, credit cards typically charge massive cash advance fees plus interest from the first day if used in an ATM.
But due to how Curve works, even ATM withdrawals with your Curve card will look like online transactions to your bank or credit card issuer so they won’t apply any fees!
With Curve you can withdraw as much cash as you’d like in the same currency as your card (pro tip: you can change the currency of your card in the app at any time)—spread across 10 withdrawals per month—for free.
Additional withdrawals only cost £0.50 a piece.
If your underlying card is a credit card, there’s a fair usage limit of £200 per month (you’re charged 2% for any amount above that). With debit cards there’s no such limit.
Note: Curve recently launched something called a “dynamic MCC engine,” which basically means that they will be able to pass along more details about transactions to your underlying bank. While this is mostly a good change (you will more often get category bonuses on the underlying credit card, when applicable), it also means that your bank might know when you use your Curve card at an ATM and may opt to charge you a fee if they usually charge for ATM withdrawals. (During testing, it seems most banks don’t charge you for ATM withdrawals through Curve, but it would be wise to check if yours does before going crazy
If you want Curve to do the currency conversion for you when withdrawing money from foreign ATMs, you get a free quota of £200/400/600 per month, depending on if you have Curve Blue/Black/Metal.
7. Simplify your accounting and expense reporting
Simplify your expense reporting with Curve
No one likes filling out expense reports. Keeping track of receipts is a bore. And if you lose any, be prepared to say goodbye to that refund.
But with curve card, doing your expense reports don’t even feel like work.
When using your Curve card for a business expense, just click the push notification, mark it as a business expense, and snap a picture of the receipt. Boom. Done.
You can choose to have the receipts automatically delivered to your email, or periodically export a CSV + ZIP file with all your business transactions and receipts.
How to get Curve—step by step
In short, all you need to do is to:
Get the Curve app
Enter your name & address
Enter the code NOMAD to get £5 welcome bonus, and skip ahead in the queue (where applicable)
Wait for your card to arrive in the mail, then activate it in the app
Add all your other cards to Curve and start spending
I’ve put together a free PDF that walk you through every single step—from ordering your card, to activating it once it arrives. If you’re unsure about the process, check it out:
How to get Curve—step by step.pdf (1.4 MB)
Which card to choose—Blue, Black, or Metal?
During the signup process you have the choice of two (soon three) different Curve cards:
While all the cards come with all the features I mentioned above, Black and Metal have some extra perks.
It comes with all the core Curve features, but often with lower limits and fewer bells and whistles. If you’re not yet sure of the value Curve will provide you, it’s a good product to start with. And for many, it will be more than enough.
But if you want something extra from your Curve card, keep on reading.
Cost: €9.99/£9.99 per month
The first major benefit of Black over Blue is that Black comes with a £15,000 limit on free Currency Conversion per year, while Blue only offers £500 per month (after which they add a 2% surcharge). You’ll also get double the amount of free ATM withdrawals in foreign currencies (£400 instead of £200).
If your underlying cards charge a foreign transaction fee and you spend a significant amount of money in other currencies, you will probably save a lot of money by getting Curve Black.
If, on the other hand, the underlying cards you will use in Curve has a 0% foreign transaction fee already (e.g. N26, Monzo, or Charles Schwab) and you mostly spend money in Curve’s supported currencies, then the savings are likely to be more modest.
However, there are more reasons why you might opt for an upgrade.
Curve Black gives you more retailers to choose from for the 1% cashback scheme (including Booking.com, Starbucks, Amazon, EasyJet, IKEA, and many more). And not only do you get a better selection of retailers, you get to keep them for as long as you want!
And last, but not least, Curve Black also gives you comprehensive travel and gadget insurance from AXA. It’s a good fit for anyone who makes trips of up to 90 days at a time, and it doesn’t even require you to pay for your trip with your Curve card. Note that currently, the insurance part of Black is only available in the UK, France, Ireland, Italy, Germany, Portugal, and Spain. It should expand to include other EEA countries soon.
Cost: £14.99 per month/£150 per year
The Curve Metal card will be available in three bold colors: Blue, Red, and Pink
The most exclusive Curve card is for now only available in the UK but will launch in the rest of Curve’s European markets at some point in 2019.
In addition to all the Curve Black benefits, unlimited 0% FX rate, your choice of 6 permanent cashback retailers (instead of 3), and even a collision damage waiver insurance (when paying for the rental car with your Curve Metal card). It also includes a LoungeKey membership, giving you discounted access to airport lounges for £15 per visit.
The card itself is made mostly of metal (the back is plastic to allow for contactless payments) and weighs 18 grams. It is available in three bright colors; blue, red, and pink.
It might prove to be a serious contender for the best metal travel card for UK residents (primarily competing against Revolut and N26).
Here’s an overview summarizing the three pricing plans:
Comparison of the new Curve plans
Where is it available?
While Curve is a London based fintech startup, you can currently have the Curve card shipped to Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Spain, Sweden, and the United Kingdom.
Cards will also start shipping to Croatia, Cyprus, Greece, and Slovakia at some point during 2019 (so go ahead and reserve your card now).
Curve has launched a lot of new features in the past year, and it looks like the upcoming 6 to 12 months will be just as interesting.
The following features are likely to launch during 2019:
Apple Pay, Google Pay, and Samsung Pay support—meaning that all your bank cards will indirectly support these systems if you connect them to Curve.
P2P payments between Curve users.
Virtually hand over a funding card to someone else in a controlled and secure way.
Curve Credit—convert any purchase made with your Curve card to an installment plan, so you can pay the purchase over the course of several months.
Unlimited virtual cards for safer online spending. You can set limits and other rules (like tying them to a specific merchant) for each individual card.
to get joining bonus use link curve card