Curve Pay Pro review

Considering one of Curve's premium options but not sure they're worth it? Here's what you get in return for your fee with the Curve Black card.

No reviews yet. Write a review
Curve

Curve’s standard card (called Curve Pay) offers most of its features for free and usually they’re more than enough to suit the needs of a user with an average lifestyle.

However, if you’re a frequent traveller, Curve Pay Pro may have something for you.

What is Curve Pay Pro?

Curve Pay Pro (previously called Curve Black) is 1 of 3 paid-for plans from Curve. Halfway between Curve Pay X (£5.99 a month) and the more luxurious Curve Pay Pro+ (£17.99 a month), it offers a decent limit for fee-free foreign transactions in return for a not-too-expensive monthly fee of £9.99.

In case you’re in need of a revision, Curve is the service that allows you to merge all your cards into one. You connect all your Visa or Mastercard cards to the Curve app, then you can leave them home and only take the Curve card with you.

When you need to make a payment, you select which of your cards you want the money to be taken from through the app, hand the Curve card to the cashier, et voilà, no more going around with an overly swollen wallet in your pocket.

Curve Pay Pro fees, limits and benefits

Curve Pay Pro costs £9.99 a month. In return, you get a higher limit for foreign ATM withdrawals and currency exchange, plus some extra perks. More specifically, Curve Pay Pro comes with:

  • Up to £50,000 fee-free transactions abroad. While the standard Curve Pay and Pay X plans limit this to £250 and £3,333 per month respectively, and charge a fee after that, you can spend up to £50,000 per month fee-free with Curve Pay Pro. Beyond this, a fee of 1% applies.
  • Up to £500 fee-free ATM withdrawals abroad. This is compared to a limit of £300 for Curve Pay X (there’s no fee-free limit with Curve Pay). If you go above your £500 limit, you’ll be charged a 1% fee.
  • 1% cashback at 6 premium retailers as an introductory offer. Retailers include universally popular services such as Amazon and Netflix. Be aware that reward points expire 6 months after the date they were added to your card.
  • Customer protection. Covers purchases made on your card up to £100,000.
  • Go Back in Time. Move transactions from one card to another from the past 90 days.

Note that Curve withdrew travel and phone insurance from its plans in 2024.

Curve Pay Pro vs Curve Pay Pro+

Curve Pay Pro+ has all the benefits of Curve Pay Pro, plus fee-free foreign ATM withdrawals up to £1,000 a month and fee-free foreign spending of up to £100,000 a month. You’ll also be able to enjoy discounted airport LoungeKey access and cashback can be earned at 12 selected retailers, compared to the 6 with Curve Pay Pro.

The Go Back in Time feature allows users to move transactions made with their Curve card from one payment card to another. With Pay Pro+ this can be done up to 120 days after the transaction, compared to Pay Pro’s 90 days.

Curve Pay Pro+ costs £17.99 a month, but if you pay the whole year in advance, it comes for £179.90, or a more competitive £14.99 a month.

Also, while you can cancel your Pay Pro membership anytime, if you subscribe to Curve Pay Pro+ you can’t opt out for the first 6 months, unless you pay a £50 fee.

How to get Curve Pay Pro

If you’re new to Curve, you need to download the app, then you’ll be able to select which Curve option you want to get.

If you already use Curve, once you open up the app, go to the “card” app, then to “manage subscription” and select the “Pay Pro” tab. Once you’ve subscribed, you’ll receive your new card in a few days.

Customer service information for Curve Pay Pro

Email support
Telephone support
In-app or live chat
Contact form
Branch support

The verdict: Is Curve Pay Pro worth it?

You need to travel quite often to make the most out of Curve Pay Pro. If you enjoy your yearly vacation abroad but have solid roots in Britain during the remaining 11 months and a half, it’s probably not worth the fee.

However, things are different if you’re out of the country quite a bit, especially if you travel somewhere where you need a lot of cash, for example, if you’re headed towards more rural areas in Asia, Africa or South America. But even then, it’s worth comparing what else is available first.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Valentina Cipriani's headshot
Writer

Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism. See full bio

More guides on Finder

  • Monument digital bank review

    New startup Monument is prepping a digital banking launch in the UK, targeting “mass affluent” customers. Here’s what we know so far.

  • Best banks & banking apps for mobile banking in the UK 2025

    Keen to manage all your money directly from your smartphone? We’ve put together a list of the best banking apps available in the UK.

  • Lekka review

    Here’s all you need to know about the digital banking service that is aiming to make banking accessible to all.

  • Snoop app review

    The Snoop app promises to help you spend your money in a smarter way and show you how take advantage of the best deals out there.

  • Tally Money review

    Tally is an innovative banking app that effectively uses gold as a currency. We’ve looked into how it works for you.

  • Suits Me card review

    Suits Me is a digital current account that comes with a slick app and a tempting cashback offer. Here we look into all its features and costs.

  • Barclaycard app review

    We’ve taken a look at the mybarclaycard mobile app, which is Barclaycard’s contribution to the emergent mobile banking app market.

  • The best bill-splitting apps to use with friends

    Compare a range of banks and apps that let you split bills, request money and send payments to friends.

  • Curve Pay Pro+ review

    If you’re abroad a lot, Curve Metal may be a good solution for your financial needs. We’ve reviewed it for you.

  • Opening a bank account in the UK without proof of address

    Just got a job in the UK and need a bank account to have your salary paid into, but have no proof of address? Here’s what you can do.

Go to site