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
Curve isn’t a bank, but is still regulated and authorised by the Financial Conduct Authority. Since it doesn’t technically keep your money at any point, you’re not in danger of losing it if Curve were to go bust. All the data Curve manages is encrypted and in line with industry standards.
You can downgrade your Curve membership from the app anytime.
Curve allows you to switch the card you’ve used to make a payment, up to a set number of days after the payment itself took place. Go Back In Time is free for all Curve users, but the number of days varies depending on the plan. Curve Pay Pro customers have up to 90 days (compared to 30 for the standard plan) – and you can carry out unlimited transactions.
Not at the moment (April 2025). In early 2019, Curve announced it was working again with Amex, but had to suspend that just a few days after.
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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
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