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.

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