{"id":189480,"date":"2019-04-25T14:10:58","date_gmt":"2019-04-25T13:10:58","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=189480"},"modified":"2025-07-11T15:53:48","modified_gmt":"2025-07-11T14:53:48","slug":"curve-pay-pro-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/digital-banking\/curve-pay-pro-review","title":{"rendered":"Curve Pay Pro review"},"content":{"rendered":"

Curve\u2019s standard card<\/a> (called Curve Pay) offers most of its features for free and usually they\u2019re more than enough to suit the needs of a user with an average lifestyle.<\/p>

However, if you\u2019re a frequent traveller, Curve Pay Pro may have something for you.<\/p>

What is Curve Pay Pro?<\/h3>

Curve Pay Pro (previously called Curve Black) is 1 of 3 paid-for plans from Curve. Halfway between Curve Pay X (\u00a35.99 a month) and the more luxurious Curve Pay Pro+<\/a> (\u00a317.99 a month), it offers a decent limit for fee-free foreign transactions in return for a not-too-expensive monthly fee of \u00a39.99.<\/p>

In case you\u2019re 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.<\/p>

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 voil<\/em>\u00e0<\/em>, no more going around with an overly swollen wallet in your pocket.<\/span><\/p>

Curve Pay Pro fees, limits and benefits<\/h3>

Curve Pay Pro costs \u00a39.99 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:<\/p>

  • Up to \u00a350,000 fee-free transactions abroad.<\/strong> While the standard Curve Pay and Pay X plans limit this to \u00a3250 and \u00a33,333 per month respectively, and charge a fee after that, you can spend up to \u00a350,000 per month fee-free with Curve Pay Pro. Beyond this, a fee of 1% applies. <\/li>
  • Up to \u00a3500 fee-free ATM withdrawals abroad.<\/strong> This is compared to a limit of \u00a3300 for Curve Pay X (there\u2019s no fee-free limit with Curve Pay). If you go above your \u00a3500 limit, you\u2019ll be charged a 1% fee.<\/li>
  • 1% cashback at 6 premium retailers as an introductory offer.<\/strong> 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.<\/li>
  • Customer protection.<\/strong> Covers purchases made on your card up to \u00a3100,000.<\/li>
  • Go Back in Time.<\/strong> Move transactions from one card to another from the past 90 days.<\/li><\/ul>

    Note that Curve withdrew travel and phone insurance from its plans in 2024.<\/p>

    Curve Pay Pro vs Curve Pay Pro+<\/h3>

    Curve Pay Pro+ has all the benefits of Curve Pay Pro, plus fee-free foreign ATM withdrawals up to \u00a31,000 a month and fee-free foreign spending of up to \u00a3100,000 a month. You\u2019ll 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. <\/p>

    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\u2019s 90 days. <\/p>

    Curve Pay Pro+ costs \u00a317.99 a month, but if you pay the whole year in advance, it comes for \u00a3179.90, or a more competitive \u00a314.99 a month.<\/p>

    Also, while you can cancel your Pay Pro membership anytime, if you subscribe to Curve Pay Pro+ you can\u2019t opt out for the first 6 months, unless you pay a \u00a350 fee.<\/p>

    How to get Curve Pay Pro<\/h3>

    If you\u2019re new to Curve, you need to download the app, then you\u2019ll be able to select which Curve option you want to get.<\/p>

    If you already use Curve, once you open up the app, go to the \u201ccard\u201d app, then to \u201cmanage subscription\u201d and select the \u201cPay Pro\u201d tab. Once you\u2019ve subscribed, you\u2019ll receive your new card in a few days.<\/p>

    Customer service information for Curve Pay Pro<\/h3>\n\n\n
    Email support<\/th>\n<\/use><\/svg><\/td>\n<\/tr>\n
    \nTelephone support<\/th>\n<\/use><\/svg><\/td>\n<\/tr>\n
    \nIn-app or live chat<\/th>\n<\/use><\/svg><\/td>\n<\/tr>\n
    \nContact form<\/th>\n<\/use><\/svg><\/td>\n<\/tr>\n
    \nBranch support<\/th>\n<\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table>

    The verdict: Is Curve Pay Pro worth it?<\/h3>

    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\u2019s probably not worth the fee.<\/p>

    However, things are different if you\u2019re out of the country quite a bit, especially if you travel somewhere where you need a lot of cash, for example, if you\u2019re headed towards more rural areas in Asia, Africa or South America. But even then, it\u2019s worth comparing what else is available first. <\/p> \n