Curve Black 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.

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Curve’s standard card 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 Black may have something for you.

What is Curve Black?

Curve Black is 1 of 3 paid-for plans from Curve. Halfway between Curve X (£4.99 a month) and the more luxurious Curve Metal (£14.99 a month), it offers a decent series of perks to frequent travellers 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 Black fees, limits and benefits

Curve Black 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 Black comes with:

  • Unlimited fee-free transactions abroad (on weekdays). While the standard Curve and Curve X plans limit this to £1,000 and £2,000 per month respectively, and charge a 2% fee after that, you can spend as much as you want out of the country with Curve Black. This is subject to a fair use policy of £15,000 per year, beyond which a fee of 2% may apply. However, all Curve options charge an extra fee (normally 0.5%) on currency exchange for transactions made during the weekend, when the markets are closed.
  • Up to £400 fee-free ATM withdrawals abroad. This is compared to a limit of £200 for Curve Standard and Curve X. If you go above, you’ll be charged a 2% fee.
  • 1% cashback at six 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.
  • Travel insurance. Covers medical emergencies, cancellations, delays and more.
  • Crypto Rewards. Choose to earn rewards in cryptocurrency rather than Curve Cash points.
  • Customer protection. Covers purchases made on your card up to £100,000.

Curve Black vs Curve Metal

Curve Metal has all the benefits of Curve Black, plus a fancy metal card (in black, rose and blue, you can choose), fee-free foreign ATM withdrawals up to £600 a month and car hire excess insurance. You’ll also be able to enjoy airport lounge-key access and mobile phone insurance. Plus cashback can be earned at 6 selected retailers, compared to the 3 with Curve Black..

Curve Metal costs £14.99 a month, but if you pay the whole year in advance, it comes for £150, or a more competitive £12.50 a month.

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

How to get Curve Black

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 “Black” tab. Once you’ve subscribed, you’ll receive your new Black card in a few days.

Customer service information for Curve Black

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

The verdict: Is Curve Black worth it?

You need to travel quite often to make the most out of Curve Black. 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. The travel insurance is also decent value for money and allows you to travel worry-free.

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.

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