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27 June 2025
Curve Pay vs Revolut: What’s Better for Everyday Spend and Rewards?

Curve Pay vs Revolut: What’s Better for Everyday Spend and Rewards?

If you’re using Revolut for day-to-day spending, you probably think you’ve already hacked the system. And to be fair, it’s a strong app—especially for travel and splitting bills.

But here’s the thing: when it comes to everyday spend and real rewards, there’s a smarter way.

Curve Pay is a digital wallet that connects all your debit and credit cards into one. It doesn’t ask you to switch banks, change habits, or top up new balances. You just link your existing cards and get cashback, control, and clarity.

Let’s compare. Because if you’re still using Revolut for everything, you might be missing out.

Everyday Spend: All Cards. One App. One Tap.

Revolut is a standalone bank account. Curve Pay is an upgrade to all the ones you already use.

With Curve Pay, you can:

  • Pay with any of your cards using just one digital wallet

  • Get real-time spend alerts and see all your transactions in one place

  • Move payments between cards after you’ve made them with the Go Back in Time feature

  • Set Smart Rules so the right card is always used for the right purchase

You don’t need to open a new account. Or transfer money. Or remember which card to pull out. Curve Pay just works.

Revolut replaces your bank. Curve Pay supercharges it.

Rewards: Double Dip vs Single Serve

Revolut offers “Boosts” — short-term cashback offers that rotate weekly. They’re… okay. But they’re limited. They don’t stack. And they don’t always apply when you need them.

Curve Pay takes a different approach.

With Curve Pay, you can:

  • Earn cashback on top of your card’s existing rewards

  • Get up to 20% cashback at major retailers

  • Spend your rewards instantly with your Curve Cash card

 One tap. Two rewards. That’s the power of Double Dipping.

Made a Mistake? Curve Pay Lets You Fix It.

We’ve all done it. Paid for business lunch with a personal card. Or missed out on points by using the wrong one.

With Go Back in Time:

  • Tap any transaction

  • Move it to another card—up to 120 days later (depending on your plan)

  • No need to call your bank. Or make a scene.

With Revolut? You’re stuck. No rewinds. No do-overs.

Travel? Both Are Good. But Only One Works With Any Card.

Revolut’s FX features are great if you’re using the Revolut card itself. You’ll get interbank rates up to a monthly limit, and zero FX fees if you stay inside the ecosystem.

But if you want to use your Chase, Starling, or NatWest card abroad?

Revolut can’t help. Curve Pay can.

With Curve Killer FX, you get:

  • No foreign transaction fees—even if your bank would’ve charged one

  • Mastercard’s global exchange rate (updated daily)

  • The ability to earn rewards on your chosen card without paying extra

Pay like a local with Curve Pay

Everyday Control: Automation, Not Admin

Revolut shows you what you spent. Curve Pay helps you plan what to spend—before you spend it.

With Smart Rules, Curve Pay lets you:

  • Set your cashback card as default for transactions under £10

  • Route all work spend to your business credit card

  • Automatically use a travel card when you’re abroad

It’s like having a financial assistant in your pocket.

Revolut? No rules. No card-level automation. Just another notification.

Who Curve Pay is Perfect For

Digital Nomads
 Travelling across borders? Link your home and local cards in Curve Pay and never worry about hidden FX charges or missed points again.

Freelancers & Contractors
 Switch client transactions between personal and business cards in seconds. No new bank. No duplicate apps.

 Busy Parents
 Simplify the family wallet. Keep kids' spending on one card, bills on another—automatically.

Rewards Optimisers
 Want to get more from your everyday spending? Link your highest-earning cards to Curve Pay and maximise cashback with Double Dipping.

Pricing: More Value at Every Tier

Feature

Curve Pay X (£4.99/mo)

Revolut Plus (£3.99/mo)

Cashback

✅ Curve Rewards

⚠️ Boosts only

FX-Free Spending

✅ On any card

✅ Up to £1,000/mo

Go Back in Time

✅ Yes (60 days)

❌ No

Smart Spend Automation

✅ Yes

❌ No

For just £1 more, you get more cashback, more flexibility, and more control. And you don’t have to switch banks to get it.

What People Ask About Curve Pay vs Revolut

Can I still earn rewards from my cards if I use Curve Pay?
 Yes—with supported cards. You’ll continue to earn cashback or points from your linked debit and credit cards, and earn Curve Rewards on top.

Is Curve Pay secure?
 Absolutely. Your real card details are never shared with merchants. Plus, you can freeze/unfreeze your Curve card instantly from the app.

What happens if my Curve Pay transaction fails?
 That’s where Anti-Embarrassment Mode kicks in. Curve automatically falls back to your backup card so you’re never declined in front of friends or a cashier.

Does Curve Pay work with Apple Pay or Google Pay?
 Yes. Add your Curve card to your phone’s wallet and tap away. You’ll get all of Curve’s features—on top of Apple Pay. Use Curve Pay as the default wallet on your Android device

Can I use Curve Pay for business expenses?
 Yes. Many Curve users set up Smart Rules to route business spend to their corporate or expense card. Receipts, categories, and exports are all in the app.

Real Users, Real Wins

“Curve Pay saved me £84 on a 5-day trip to Lisbon—without changing banks.”
— Jacob, UX designer, London

“I move personal payments to my joint account with a tap. Revolut can’t touch that.”
— Aria, freelance photographer, Bristol

“I linked my favourite rewards card to Curve Pay and avoided £40 in FX fees on one weekend away. Seamless.”
— Ola, marketing consultant, Manchester

TL;DR – Curve Pay vs Revolut: What You Need to Know

  • Curve Pay doesn’t replace your bank—it supercharges it

  • Use all your existing cards with one smart wallet

  • Double dip on rewards: earn cashback from your bank as well as Curve Pay

  • Go Back in Time lets you undo payment mistakes

  • Smart Rules automate which card pays where and when

  • No FX fees when you travel—even with cards that normally charge

  • Spend smarter, get more control, and earn more—all without switching banks

 Curve Pay = less admin, more cashback, full control

Read more about Curve Pay plans.

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