A complete guide to all Curve Premium plans to help you decide which one is best for you. 

Curve is the only mobile wallet that saves you money as you spend. But to get the most out of Curve, you might want to consider a premium plan. 

Let’s compare travel, cashback, and feature benefits to give you all the information you need to make your mind up. 

There are 3 premium Curve plans to choose from: 

Curve Pay X £5.99/month

Curve Pay Pro £9.99/month 

Curve Pay Pro+  £17.99/month 

1. Travel Benefits 

🥷 Stop fees abroad with Killer FX 

Curve stops your banks and credit cards charging you foreign exchange (FX) fees when spending in another currency. We call this Killer FX, and every Curve plan has a different Killer FX limit. 

Curve Pay –  Killer FX limit: £250/ month Ideal for customers who don’t travel too often, or want to try Curve Pay out before paying for a premium plan and increasing their fee-free spending limits.

You save:  Up to £7.50/ month on fees abroad compared with directly using a bank or credit card with a 3% FX fee.

Curve Pay X | Killer FX Limit |  Up to £3333/month

Ideal for customers who travel a few times a year and spend over £2,000 per year in a foreign currency. 

You save: Up to £99.99/ month on fees abroad compared with directly using a bank or credit card with a 3% FX fee. 

Curve Pay Pro | Killer FX Limit | Up to £50,000/month

Ideal for Frequent-fliers, business travellers, expats, and international students who regularly spend in a foreign currency. 

You save: Up to £1500/month on fees abroad compared with directly using a bank or credit card with a 3% FX fee. 

Curve Pay Pro+ | Killer FX Limit |  £100,000/month 

Ideal for Big spenders who want to freely spend around the world with all their cards without ever reaching their fee-free spending limit. 

You save: Up to £3000/month  compared with directly using a bank or credit card with a 3% FX fee. 

🏧 Get free ATM withdrawals up to £1000

Curve is the only mobile wallet that comes with a physical card so you can withdraw cash from any account with a single card and save on ATM fees abroad. Debit and credit cards typically charge 3% to withdraw cash abroad. But you can withdraw up to £1000 from any card for free with a Curve Premium plan. 

Your Curve Plan	Your Free ATM Limit
Curve Pay	£0
Curve Pay X	£300/ month
Curve Pay Pro	£500/month
Curve Pay Pro+	£1000/month

💰Earn 1% cashback on all spending outside EURO and GBP 

Not only can you save money abroad with a premium Curve plan – you earn money too! Get 1% cashback on all your spending outside EURO and GBP with any Curve premium plan. That’s £10 cashback on every £1000 spent in a foreign currency, whether you’re travelling off-grid or shopping online. 

✈️ Airport lounge access 

With a Curve Pro+ plan you get discounted £24 access to airport lounges worldwide. 

2. Cashback benefits 

Curve is totally unique when it comes to rewards, because it gives you the power to stash cashback offers on top of one another so you earn multiple times on a single purchase. And that's ON TOP of any cashback, Avios, or air miles you might earn with the debit or credit card you choose to pay with. We did a whole article on this  if you want to find out more. For the purpose of helping you decide whether or not you should get a Curve premium plan, let's break down how much you can earn with each plan. 

Curve Pay For UK customers, there are 3 ways to earn with Curve. 

• Single-use  cashback offers:  These offers tend to offer higher cashback percentages and include the likes of Morrisons, Waitrose, Aldi, Leon, Boooking.com, and loads more. Simply tap to activate.

• Always-active cashback offers: These are multi-use offers that don’t even require activation. You’ll automatically earn cashback every time you shop at  Always-Active retailers, which include popular names like Primark, Argos, IKEA, Waterstones, Honest Burgers, and more.

• Referring friends: All customers can now earn £50 for every friend they successfully bring to Curve – up to 5 friends in total. That's up to £250, just for reaching into your contact book. 

Curve Pay X 

In additional to the Curve Pay offers listed above, Curve Pay X customers can enjoy: 

• 1% cashback on all foreign spending 

• Higher cashback percentages on all branded offers 

Curve Pay Pro 

In additional to getting up to 60% higher cashback offers that customers on the free plan, Curve Pay Pro customers can earn: 

• 1% cashback at 6 retailers of your choice 

• 1% cashback on all foreign spending

Curve Pay Pro+

In additional to being offered the best brand offers in-app,  Curve Pay Pro+ customers can earn: 

• 1% cashback at 12 retailers of your choice 

• 1% cashback on all foreign spending

3. Feature benefits 

Curve is packed with innovative features built to put you in control of your finances and help you manage your cashflow better. Lets break down your access to these features, according to what Curve Plan you're on. 

 Curve Pay

Go Back in Time up to 30 days after you've made a payment, perfect if you just slip up and accidentally pay with the wrong card or want to reshuffle your finances before your credit card balance is due. For example, if you want another month to pay your credit card balance, you can switch over a few big purchases to another credit card to avoid paying interest. You can create 1 Smart Rule to match specific payments to a specific card. For example, you might want to ensure all your purchases over £100 get charged to your credit card so you can maximise points. And you're free to use Curve Fronted  to pay with a credit card where only debit cards are accepted, with a 2.5% fee. 

 Curve Pay X

Go Back in Time up to 60 days after you've made a payment, create up to 5 smart rules, and use Curve Fronted with a 2.5% fee. This is ideal if you want to use Go Back in Time to manage your cashflow, switching out older payments from your credit card to your debit card to free up cash or refinancing debt from one credit card to a lower-interest or 0% interest credit card. 

Curve Pay Pro 

Go Back in Time up to 90 days after you've made a payment, create as many smart rules as you want and use Curve Fronted up to £1000/month with no fee.  This is ideal if you want to move larger sums of money from one card to another as you will be able to dip further back into your transaction history. The additional fee-free access to Curve Fronted can help you maximise credit card rewards by earning points on bills you normally wouldn't be allowed to use a credit card for, like taxes, school fees or even other credit card bills. In fact, you can use this free Curve Fronted allowance to pay credit cards with credit cards and double up on rewards. 

Curve Pay Pro+ 

 Go Back in Time up to 120 days after you've made a payment, create as many smart rules as you want and use Curve Fronted up to £3000/month with no fee.  This is ideal if you want to unlock the full power of Curve. Not only can you dip into 6 months of transaction history to move large sums from one card to another, you earn 1000s of extra credit card points with your generous Curve Fronted alllowance. For example, £3000 using a Barclays Avios credit card for bills where only debit cards are accepted - could earn you up to 36000 additional Avios points per year. At 1p per point, 36,000 Avios would be worth around £360 alone.

How can upgrading pay for itself?  

All Curve premium plans are designed to add value to your financial life and help you maximise your money. Sure, if you don't travel and simply want to simplify your finances with all your cards in one – Curve Pay will probably be enough for you. But most people will benefit from an upgrade. 

Curve Pay X Cost: £71.88/year

This example shows how you could be over £40 better off with Curve Pay X, with a modest travel spend. 

If you travel even just 1-2 times per year, Curve Pay X starts paying for itself. 

Curve Pay Pro Cost: £99.90/ year with Annual Plan 

This example shows how you could be over £300 better off with Curve Pay Pro, with  an active travel spend.

If you travel often, or spend over £5K per year abroad, Curve Pay Pro will pay for itself very easily. Especially with the addition of 1% Premium Cashback at 6 retailers of your choice and a £1000/month free Curve Fronted allowance. 

Curve Pay Pro+  Cost: £179.90 per year (on annual plan)

This example shows how you could be over £400 better off with Curve Pay Pro+ as a frequent traveller.

If you travel even just 1-2 times per year, Curve Pay X starts paying for itself.