Curve Pay vs. Traditional Banking Apps

Your banking app might show you where your money is going. But does it help you control how it's spent?

For most people juggling multiple cards, managing finances across several banking apps feels like spinning plates—manually checking balances, switching cards, and hoping the right one was used at checkout.

Curve Pay changes all of that. It brings every card you own into one digital wallet, then adds automation, insights, and control you simply don’t get from traditional banking apps.

Let’s break down where Curve Pay outpaces old-school banking apps—and what that means for your money.

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What Are Traditional Banking Apps Designed For?

Traditional banking apps are built to:

• Show account balances and transactions
  
  

• Move money between accounts
  
  

• Offer basic categorisation and freeze options
  
  

• Manage card settings, like PIN reminders
  
  

But they work in isolation—one bank, one card, one app at a time. And if you're using multiple accounts (e.g. a credit card from one bank, a debit from another), this gets complicated quickly.

Curve Pay simplifies all of it—bringing everything together in one wallet, one app, and one tap to pay.

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What Curve Pay Offers That Banks Don’t

1. One Digital Wallet for Every Card

Curve Pay supports:

• Visa, Mastercard, and Diners cards
  
  

• Debit and credit cards
  
  

• Personal and business accounts
  
  

• UK and EEA-issued cards
  
  

Link them all into Curve Pay and spend from one digital wallet. You tap with Curve Pay, and we route the transaction to the right underlying card. Simple.

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2. Go Back in Time®

Paid with the wrong card? Fix it after the fact.

Curve Pay lets you move a transaction to a different linked card—up to 120 days later. Ideal for:

• Separating personal and business spend
  
  

• Reallocating rewards
  
  

• Cleaning up budgeting errors
  
  

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3. Smart Rules

Want your groceries to go to your everyday spending account? Travel to your credit card?

With Smart Rules, you can:

• Set rules by merchant category or spend threshold
  
  

• Assign the optimal card
  
  

• Automate the process
  
  

Curve Pay follows your rules so you don’t have to micromanage them.

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4. Curve ReFi – Free Up Cash & Reduce Interest

Curve ReFi helps you manage your finances in real time by allowing you to:

• Move purchases from a debit card to a credit card — to delay payment and free up funds
  
  

• Move from one credit card to another — to take advantage of lower interest or a longer grace period
  
  

• Move a credit card transaction to your debit card — to pay it off immediately and avoid interest
  
  

No calls. No bank delays. Just flexible, instant money management.

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5. Stronger Card Security and Control

Curve Pay gives you layered protection across all your linked cards:

• Secure tokenisation means your actual card details are never shared with merchants
  
  

• Add and remove cards instantly, all in-app
  
  

• Lock or unlock your Curve Pay card in one tap — if it’s frozen, none of your linked cards can be charged
  
  

• One freeze protects your entire wallet
  
  

• Real-time spend alerts across all transactions
  
  

Traditional banking apps protect one card. Curve Pay protects your entire financial ecosystem.

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Curve Pay vs. Traditional Bank Apps: The Showdown

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TL;DR – More Power, More Control, One App

• Use one wallet for all your spending
  
  

• Automatically pick the best card for each payment
  
  

• Fix mistakes with Go Back in Time®
  
  

• Manage balances with Curve ReFi
  
  

• Protect your data and cards with real-time security tools
  
  

• Enjoy smarter control—across banks, cards, and currencies
  
  

All your cards. None of the compromise. Smarter than any banking app.

Read more about Curve Pay plans.