Curve Pay Unlimited FX Programme Terms

Version 2 - Published 12th September 2025

1. We are offering Curve Pay customers, residing in the EEA, the opportunity to increase their fee-free currency conversion “FX” and foreign ATM withdrawal “ATM FX” limits (the “Curve Pay FX Offer” or the “Offer”) when using the Curve Pay Wallet on the terms set out below (the “Terms”).  

2. To be eligible for this Offer, you must be a new or existing customer on the free Curve Pay subscription tier and be selected to participate in the Offer. You can check in the Curve app if you are eligible to participate in this Offer. Curve accepts no liability for customers who do not qualify for the Offer.

3. The Curve Pay Wallet refers to the Near Field Communication (“NFC”) payment functionality available on iOS (within the EEA) and Android mobile devices, provided via the Curve Pay app. For more information please see here. 

4. Eligibility for a Curve account and the Terms of use of Curve are set out in the UK Terms of Service and the EEA Terms of Service. 

5. The denominations within these Terms will be respective of your region i.e., if you are an EEA Curve customer, your limits will be in EUR and if you are a UK Curve customer, your limits will be in GBP. 

6. We’ll use the latest available exchange rate from Mastercard (also known as the “Mastercard Wholesale Rate”).

7. An Eligible Purchase means any purchase made using the Curve Pay Wallet. Curve reserves the right, with or without notice, to define and update the criteria for an Eligible Purchase at its sole discretion.

How it works

9. Once you have successfully installed Curve Pay on your Apple or Android device and have made an Eligible Purchase using the Curve Pay Wallet you will be eligible for the increased FX and ATM FX limits, provided you are on the free Curve Pay subscription tier and have been invited to participate in the offer. If you upgrade your Curve Pay account to one of our paid subscription tiers, you will no longer be eligible for the Curve Pay FX Offer.

10. You will only remain eligible for the Offer if the Curve Pay Wallet remains the default NFC payment method on your device. If you make a purchase via a different NFC Wallet e.g., Apple Pay, Google Pay we will immediately reduce your fee-free allowances, to the generic Curve Pay FX and ATM FX limits available prior to your enrolment in this Offer. These previous limits are set out at paragraph 11 below and in the Curve Pay App.  

11. FX limits are calculated on a per calendar month basis. If you no longer qualify for the Offer, your FX limits will revert to the standard Curve Pay FX limits (which can be viewed at paragraph 12 below and in the Curve Pay App). Having your FX limits increased or decreased via this Offer will not reset your prior FX spend attributed to your limits. For example, if you have spent €500 in FX spend whilst on the Offer and you subsequently make a purchase via Apple Pay, you will be charged 2.99% on all FX spend for the rest of that month. You can check if you have successfully enrolled onto the Offer through the “Killer FX” Applet within your Curve Wallet. 

The Increase

Disqualification or suspension: 

1. Any person persistently trying to circumvent these Terms will be immediately disqualified. Any person who creates or attempts to create duplicate Curve accounts to obtain entries into the Curve Pay FX Offer will be ineligible.

2. Curve reserves the right to disqualify customers where there are reasonable grounds to believe they are acting fraudulently or where there has been a breach of these Terms.

14. Other promotions: Curve may determine in its sole discretion that the Curve Pay FX Offer cannot be used in conjunction with any other discount or offer by Curve. For the avoidance of doubt, customers who are eligible for the Curve Pay FX Offer cannot qualify for the 1% interregional cashback.

15. Suspending or amending the Curve Pay FX Offer and/or Terms: 

1. Curve retains the right to amend, suspend or end these Terms and/or the Curve Pay FX Offer without any prior notice (including if, in our reasonable opinion, the Curve Pay FX Offer is being abused or may negatively affect Curve’s goodwill or reputation or due to unforeseen circumstances which may make it impossible for us to continue running the Offer). 

2. Curve will not be liable for any loss, whether directly or indirectly suffered where we are unable to continue running the Curve Pay FX Offer as planned. 

3. Amendments to these Terms could include but are not limited to, changing the FX and ATM FX limit or changing the Weekend FX limit. 

16. Acceptance of Terms: By participating with the Curve Pay FX offer, you will be deemed to have accepted these Terms. 

17. Excluded from entering: Employees of Curve UK Limited, Curve Europe UAB, Curve Credit Limited, Curve US Inc., Thackeray DAC, Curve Netherlands B.V., and their immediate families, associated agents, or anyone professionally connected with the Curve Pay FX Offer. 

18. Use of Personal Data: Personal data provided will be used for the purposes of administering the Curve Pay FX Offer and your Curve account. Please see Curve’s Privacy Policy here.

19. Law and Jurisdiction: The Curve Pay FX Offer and these Terms are governed by the laws of England and and Wales and any legal proceedings in relation to them will be held in the courts of England and Wales if you are a United Kingdom resident and by Lithuanian law and Lithuanian courts if you are a Lithuanian resident. If you are resident in another EEA country, nothing in these Terms prevents you from taking legal action in the country in which you reside.

UK Promoter: Curve UK Limited, registered in the UK with company number 09523903, based at 1-10 Praed Mews, London, W2 1QY. The Curve Card and the e-money related to these cards is issued in the UK by Curve UK Limited, authorised and regulated by the Financial Conduct Authority to issue electronic money (firm reference number 900926).

EEA Promoter: Curve Europe UAB, with company number 305626541 and based at Jogailos g. 9, Vilnius, the Republic of Lithuania. Curve Europe UAB is authorised and regulated by the Bank of Lithuania (license No. 73 issued on 22 October 2020) under the Republic of Lithuania Law on Electronic Money and Electronic Money Institutions.