How does a Curve card work?

Curve is the only digital wallet with an optional physical card so you can spend and withdraw cash worldwide from any account with a single card. It's your whole wallet in one card. And offers extra financial benefits you can't get with other mobile wallets like Apple Pay and Google Pay. Stop fees abroad, earn cashback as you spend, and gain full visibility and control over your spending with a Curve card. 

How it Works 

1. Download the Curve Wallet app
2. Link your debit and credit cards to your Curve Wallet 

This will create a virtual Curve card with a16-digit card number, expiry date and CVV. You can add your virtual Curve card to your mobile wallet to pay with your phone, and simply add your card details at checkout when shopping online. Whatever card you have selected in your Curve Wallet is the account that will be charged when you pay. If you accidentally select the wrong card – no worries. You can Go Back in Time to switch the purchase to the right card. 

How to pay with Curve

Once you’ve added your cards to your Curve Wallet, simply tap the card you want to spend with. This will become the account that's charged at checkout. You can pay with your physical Curve card or connect your Curve Wallet to Apple Pay, Google Pay or Samsung Pay to spend straight from your phone or smartwatch. Any card you have in your Curve Wallet will be compatible with Google Pay, Apple Pay, and Samsung Pay, even if your bank or credit card doesn't support them yet. Wallets like Samsung Pay, Garmin Pay, and miPay for Xiaomi devices have very limited bank support. But with Curve, you can make any card work with your phone or watch.

Curve will soon be launching Curve Pay so you can use the mobile wallet directly without the need to add it to any mobile wallet. Curve Pay is already available for Huawei users, enabling millions to pay with their Huawei phones. 

How Curve saves you money abroad 

Most debit cards and credit cards charge around 3% on every foreign transaction. This can quickly add up to hundreds in hidden fees, particularly if you travel a lot. That's why Curve created "Killer FX" becoming the only mobile wallet to stop all fees abroad before they bite you in the bank balance. So the best card to use abroad is not actually a card at all but a Curve Wallet. You can spend up to £100K per month without incurring a single fee on any card, depending on what Curve plan you're on. 

You can also withdraw up to £1000 in cash per month without incurring a foreign ATM fee. For context, most banks and credit cards also charge around 3% to withdraw cash abroad so using your Curve card rather than using your bank cards directly can save you a small fortune in fees. 

you can also earn 1% cashback on all foreign spending outside EUR and GBP with any premium Curve plan, starting at just £5.99/month. 

How Curve makes you money 

Curve doesn't just offer cashback. It's the only mobile wallet that lets you earn cashback on top of any rewards you earn with your debit and credit card rewards programs. AKA It's the only time "double-dipping" is acceptable. Earn up to 20% from 100s of brands and retailers, including up to 10% cashback every single time you shop at selected places like Primark, Argos, IKEA, Honest Burger and loads more. You can also boost your cashback earnings when you upgrade to a premium plan. Curve is introducing 1% cashback on all international spend (outside Europe) for all premium plans very soon. And Curve Pay Pro and Curve Pay Pro+ customers can get an additional 1% cashback at up to 12 retailers of their choice. 

•  Curve Pay Pro: Get 1% cashback at 6 retailers, for as long as your subscription lasts 

•  Curve Pay Pro+: Get 1% cashback at 12  retailers, for as long as your subscription lasts

Is Curve safe? 

Curve gives you an extra layer of security over your money. Because you only have to carry one card, if you lose it, all your other cards remain safe. You can lock and unlock your Curve card instantly, so if it is lost or stolen, you only have to cancel and reorder one card, not your whole wallet. Curve also gives you customer protection on your purchases up to £100K. Which means if you get scammed or an online order doesn't shows up, we can help you get your money back. Live notifications also help you detect fraudulent transactions in real time. And unlike other mobile wallets, your actual card details are not shared with third parties when processing transactions. So not only is Curve safe – it's actually the most secure and private way to pay. 

At Curve, we work hard to protect the safety, privacy and financial security of all of our customers. We have a large team working to ensure our systems are safe and secure for all. We built Curve with your security in mind. We don’t store your card numbers in our app or on your device.

And as an FCA-regulated financial institution based in the UK, we make sure we’re careful about everything we do. We have to comply with strict anti-money-laundering (AML), data protection (GDPR), and payment industry (PCI-DSS) regulations, and have regular third-party audits to make sure we’re protecting you properly.

Spending insights 

Always wonder where your money goes at the end of the month? Curve insights give you the full picture with a timeline of everything you've spent across every card in your wallet. We also give you categorised breakdowns of what you spent your money on so you can budget more effectively for the future.your credit score.