Seasonal Shopping with Curve Pay: How to Save More During the Holidays

Holiday spending doesn’t have to mean draining your wallet. Whether it's Black Friday, festive gifting, or New Year sales, seasonal shopping is a chance to save—as long as you're smart about how you spend.

Enter Curve Pay: the all-in-one wallet that helps you spend smarter, earn more cashback, and stay in control during the busiest (and most expensive) time of the year.

Why Holiday Spending Gets Out of Hand

Seasonal shopping can catch even the savviest spenders off guard:

• Multiple cards and accounts to manage
  
  

• Discounts that encourage impulse buys
  
  

• Hard-to-track spending across different retailers
  
  

• Missed cashback or rewards because the wrong card was used
  
  

• Overdraft fees or interest charges that hit next month
  
  

Curve Pay fixes these holiday headaches—without needing to switch banks or change your spending style.

1. Earn More with Curve Rewards (and Your Card’s Rewards Too)

Most cashback credit cards give you 0.5–1% back. That’s solid—but limited.

With Curve Pay, you get Double Dip cashback:

• Earn your usual card’s rewards (Barclaycard, Chase, Santander, etc.)
  
  

• Earn up to 20% cashback through Curve Rewards at top seasonal retailers
  
  

• Spend once, get rewarded twice
  
  

No need to activate offers. No promo codes. Just instant cashback that stacks.

2. Shop with Any Card, From One App

Got a grocery deal on one card, a travel booking on another, and gifts going to your business account?

With Curve Pay, you can:

• Add all your cards (debit and credit) into one wallet
  
  

• Choose which card pays—from a single tap
  
  

• Or set Smart Rules so Curve Pay routes the transaction for you
  
  

Less time switching apps or pulling out plastic. More time enjoying the season.

3. Reassign Purchases with Go Back in Time

Made a big buy and realised you used the wrong card?

Go Back in Time lets you:

• Move a past purchase to a different card (up to 120 days later)
  
  

• Optimise your rewards after the fact
  
  

• Clean up personal vs. business spending before the new tax year
  
  

It’s an undo button for your holiday spend.

4. Avoid Overdraft Fees with Curve ReFi

Post-holiday cash flow crunch?

Curve ReFi lets you move past purchases from your current account to a linked credit card (with up to 30 days interest-free), or from one credit card to another.

• Free up cash instantly
  
  

• Avoid overdraft or late payment fees
  
  

• Keep your finances flexible during high-spend months
  
  

It’s control you don’t get with a regular card.

5. Flex Big Buys Into Smaller Payments

Planning a larger holiday purchase—travel, tech, or something special?

With Curve Flex, you can split almost any eligible past purchase into:

• 3, 6, or 12 instalments
  
  

• Paid from the card of your choice
  
  

• With clear, transparent repayment terms
  
  

It’s like built-in flexibility, ready when you need it most.

6. Real-Time Tracking and Instant Freeze

During the holidays, things move fast. Curve Pay keeps you covered:

• Get instant spend alerts from any linked card
  
  

• Track your transactions in one place
  
  

• Instantly freeze your wallet if your phone is lost or stolen
  
  

• Control online, ATM, and contactless settings individually
  
  

More oversight. Less stress.

7. Section 75 Protection—Even on Debit Cards

Gifting online from unknown retailers? Booking a festive break?

Curve Pay gives you credit card-level protection even when you spend from a linked debit card, thanks to its regulated credit structure.

• Covered under Section 75 of the Consumer Credit Act
  
  

• Applies to eligible purchases over £100
  
  

• Protection if goods aren’t delivered, are faulty, or the merchant goes bust
  
  

It’s a safety net—built into every festive transaction.

TL;DR – Holiday Spending Made Smarter with Curve Pay

• Earn cashback from your card and Curve Rewards
  
  

• Manage all your spending from one wallet
  
  

• Move transactions after the fact with Go Back in Time
  
  

• Free up cash and avoid fees with ReFi
  
  

• Split big festive buys with Flex
  
  

• Get Section 75 protection on every qualifying purchase
  
  

• Spend with control, clarity, and confidence
  
  

All your cards. None of the compromise. More seasonal savings.

Read more about Curve Pay plans.