But is it any good? We’ve analysed it and given our verdict.
You can use your Curve debit card to make transactions from any payment account that is registered to your Curve app. In other words, you can load all of your Visa and Mastercard debit cards and credit cards onto the app, and then use the Curve card to pay with any of them.
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.
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:
Send: Send money to anyone in your contacts (they’ll have to sign up for Curve).
When you sign up, you also get a 90-day introductory offer that features 1% cashback on purchases from 3 retailers of your choice – the options include Netflix and Amazon.
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.
Curve offers reasonable rates on both its business and personal accounts, with the opportunity to earn privileges on your account after risk checks and a spending history has been established:
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:
The “enhanced limits” for business and personal accounts are:
For Curve Prepaid business accounts:
Curve customers in the UK can also add their Curve payment card to Samsung Pay, Apple Pay and Google Pay, if they’d prefer to make contactless payments using their mobile phone rather than a physical card.
Fans of wearables can also register their Curve card with Garmin Pay, Fitbit Pay and wena pay, so they can tap and go with their payment watch or fitness wristband.
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 Samsung Pay, 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).
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