Curve review

We take a closer look at the fintech which connects all cards to a single app.


Fact checked
Starling Bank

Starling Bank: award-winning banking on your mobile

  • No monthly fees or fees overseas
  • Apply in minutes, direct from the app
  • Winner 2020 - Best Current Account, British Bank Awards
Curve is a challenger bank hoping to change the way we approach our finances. Like the other banking apps it’s competing with, part of Curve’s appeal is its constant availability, being accessible from your phone 24/7. Unlike many others however, Curve acts as a mobile accountant, managing your various cards and helping you keep track of your money.

Read on to find out more about Curve and whether it might be an option for you.

What is Curve?

Curve aims to provide “One place to spend, send, see and save money.” Rather than follow the structure of traditional banks, Curve tries to distance itself from it. It acts as the meeting point for all your accounts, allowing you to keep track of your money wherever it is.

By connecting all your accounts, Curve defines itself not only by its mobile nature but also by working as a virtual bookkeeper. Rather than looking through a mountain of receipts or tabs of online statements, Curve takes a record and lets you know what you’ve been spending.

How does Curve work?

Curve works from your phone, bundling your accounts into one app.

This record of your transactions encourages good spending habits. In addition to all this, Curve partners with different companies, allowing customers to spend their money at selected stores to earn cashback.

The app itself relies on simplicity rather than style, with a functional design allowing easy access to every feature:

After you sign up, you’ll receive a contactless Curve card. Customers have complete control over their card, with the ability to freeze and unfreeze at the touch of a button, a feature that provides added security and convenience.

The app is easy to navigate. Features include:

  • Home: From here you manage your cards and check their balance. You can also add new cards and see your rewards.
  • Timeline: A complete record of your transactions. Along with the list are tools to filter what you wish to see and an option to search for specific payments.
  • Curve: Activate or deactivate your Curve card, check rewards and your balance.
  • Send: Send money to anyone in your contacts (they’ll have to sign up for Curve).

  • Support: A list of FAQs, features, benefits and fees. Open tickets for queries and customer service.

When you sign up, you also get a 90 days introductory offer that features a 1% cashback on purchases from 3 retailers of your choice – the options include Netflix and Amazon.

Using Curve abroad

Curve makes itself useful on holiday in a handful of ways. As mentioned already, Curve keeps a record of your card balance, allowing you to check your budget at any time.

As well as this, you always have a record of your spending to make sure you don’t go over your holiday budget. Curve also allows you to add foreign currency cards and offers fairly low exchange rates to help you get away.

If you're travelling abroad

If you are heading overseas and are thinking about travel money, head to our travel money section for the cheapest deals on foreign currencies, or to our travel section for tips on how to get cheap flights!

Curve fees, limits and pricing

Curve offers reasonable rates on both their business and personal accounts, with the opportunity to earn privileges on your account after risk checks and a spending history has been established:

  • Setting up a Curve account is free, apart from a £1 charge to verify your identity, which is then refunded. There are no charges for adding new cards.
  • There are no additional fees when using your Curve Mastercard in the UK: it costs nothing to withdraw, transfer or deposit money.
  • Using Curve abroad is also fee-free on weekdays, but it’s charged a 0.5% fee during the weekend. Curve uses the wholesale interbank rate for currency exchanges.
  • You can withdraw up to £200 from foreign ATMs without paying a fee. Withdrawals cost £2 or a 2% fee after that.

Limits are fairly generous and, as mentioned above, can be raised after a certain amount of time and activity. Business and personal accounts share standard starting limits:

  • £2,000 daily spending limit. £5000 monthly and £10,000 over the year.
  • £200 daily withdrawal limit, and a 2% charge on any extra withdrawals that day.

The “enhanced limits” for business and personal accounts are:

  • £3,750 daily spending limit, £20,000 per month and £50,000 per year.
  • You may withdraw £1000 per day with the charge still active for anything over that limit.

For Curve Prepaid business accounts:

  • You can spend £5000 per day, £15,000 monthly and £50,000 over the course of the year.
  • There is a £500 withdrawal limit per day, with a charge still in place.

Is Curve safe?

Curve understands how important your accounts are and as a result prepares to protect them from any forces working to compromise them. Rather than being password protected, Curve sends you an email every time you make a login request, adding another step to your account’s security.

All the data on the app is encrypted and in line with industry standards.

Pros and cons of Curve


  • Account can be set up in 20 minutes or less.
  • Bank card provided on registration.
  • A complete record of your spending over multiple accounts.
  • Spending history can help you to save money.
  • Cashback rewards from retailers.
  • Safe and secure.
  • Registered with the PRA and FCA.
  • Compatible with Apple Pay, Google Pay and FitBit Pay.


  • Limits on spending and withdrawals.
  • Lack of face-to-face contact when banking.
  • Long queue times means it can take a while for your account to be fully set up.

The verdict

The main advantage of Curve is that you can go out and about with just one card, instead of bringing all your debit, credit, prepaid and don’t-know-what-else cards. The integration with Apple Pay and Google Pay means that you only need your phone. Plus, say you have a rewards credit card that earns you cashback or reward points but charges a foreign transaction fee: if you use it through Curve, you can make payments abroad without fees while still earning your rewards. Win-win.

But, for anyone with a lot of cards, it can be a bit of a faff to swap your cards all the time. It’s definitely not a card you’ll want to use for direct debits, as the payment is sure to leave a different account every month (unless that’s what you’re aiming for).

All in all, Curve is a great tool if you have many different cards and hate carrying them with you all the time, and if you want to save on foreign transaction fees without getting (another!) dedicated card for your travels. Finally, it’s worth mentioning that it’s an innovative fintech solution that will make you look cool with your friends (just saying).

Compare Curve against its competitors

Data indicated here is updated regularly
Name Product Fees and charges Delivery speed
Starling Bank
Between 3-5 working days
Everything you get from a current account, but with new features for mobile living. (E.g. Goals for saving, spending catgorisation, interest on your balances)
Santander Everyday Current Account
Cashplus Activeplus
£2 for ATM withdrawals
Between 3-5 working days
Current account and Mastercard - all managed from your phone. Also comes with a creditbuilder option.
thinkmoney Current Account
£10 monthly fee for a single account or £15.00 for a joint account
Between 3-5 working days

Compare up to 4 providers

How does the Curve card work?

You can use your Curve card to make transactions from any account that is registered to your Curve. You can register your Visa debit, Mastercard and credit cards using the Curve app. Once you’ve loaded your cards on, you can then use the Curve card to pay with any of them.

Frequently asked questions

Santander Santander
Current account

Up to 15% cashback at a range of major retailers

Starling Starling
Award winner

Starling voted best British bank and current account

Moneybox Moneybox
Save and invest

Save and invest with Moneybox App

Yolt Yolt
Free download

Spend smart and reach your goals with Yolt

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

  1. Default Gravatar
    PeadarFebruary 21, 2019

    Is there an annual fee for a Revolut card?

    • Avatarfinder Customer Care
      BellaFebruary 22, 2019Staff

      Hi Peadar,

      Thanks for your inquiry.

      Revolut card doesn’t have an annual fee.

      I hope this clarifies.

      Kind regards,

Go to site