Curve Pay vs Phantom Cash Card

Product status: Active

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Product status: Active

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Prepaid card, Stablecoin card

Source states (paraphrased): The Prepaid Debit Visa Card (the “Card”) is issued by Lead Bank pursuant to licensing by Visa U.S.A. Inc.

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Network: Mastercard

Source states (paraphrased): Fees charged on top of the Mastercard rate.

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Network: Visa

Source states (paraphrased): wherever Visa is accepted

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: https://www.curve.com/

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Custody model: Self-custody

Source states (paraphrased): Your Cash account is a self-custodial wallet on Solana that only you control with your wallet credentials.

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card issuer / program manager: Curve UK Limited (UK) / Curve Europe UAB (EEA)

Source states (paraphrased): The Curve Card and the e-money related to cards issued in the EEA is issued by Curve Europe UAB

Source: https://www.curve.com/

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Tiers / plans: Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+

Source states (paraphrased): Plans Curve Pay Curve Pay X Curve Pay Pro Curve Pay Pro+

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Monthly fee: Free

Curve Pay (free plan)

Source: What Curve Pay subscription plans are available?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

FX fee: 2.99%

Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

ATM fee: 2% (min. £2)

No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Other fees & markups: +1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowance

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Base cashback: 0%

Free plan

Source: What Curve Pay subscription plans are available?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Max cashback: 1%

Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Cashback paid in: Curve Cash

Source states (paraphrased): Cashback is stored on your Curve Cash card and can be used for future purchases.

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Cashback type: Fiat

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Cashback type: None

No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Cashback conditions: 1% on non-European/non-UK currency spend requires a premium plan (X, Pro or Pro+) · Pro: 1% at 6 chosen retailers up to £25/month; Pro+: 12 retailers up to £50/month · Brand offers up to 20%, usually one-time and activated in app, UK only (coming soon to EEA)

Source states (paraphrased): You need to be on any premium plan to benefit from this cashback (X, Pro or Pro+).

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Cashback conditions: Cash Rewards on CASH balances: variable APY set by Phantom, paid weekly, no lock-up · Rewards pause at $1,500 per tax year until tax details are provided

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit line: No

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Available in: United Kingdom, EEA

Source states (paraphrased): Regulated across the UK and EEA

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%

Available in: United States

Except New York; identity verification required for the card

Source states (paraphrased): If you’re in the US (except New York), you can get a virtual Phantom debit card

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Account / spend currencies: USD (CASH stablecoin, 1:1)

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Apple Pay: Yes

Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX

Source states (paraphrased): You can connect Curve Pay to Apple Pay and Google Pay.

Source: One tap. Every card. (Curve Pay wallet)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Apple Pay: Yes

Source states (paraphrased): Add it to Apple Wallet or Google Wallet for contactless payments in stores.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Google Pay: Yes

Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX

Source states (paraphrased): You can connect Curve Pay to Apple Pay and Google Pay.

Source: One tap. Every card. (Curve Pay wallet)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Google Pay: Yes

Source states (paraphrased): Add it to Apple Wallet or Google Wallet for contactless payments in stores.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card: Yes

Source states (paraphrased): we’ll send you a new card in the post right away!

Source: I need a new Curve card

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Virtual card: Yes

Curve Pay digital wallet (free plan); physical card free from Curve Pay X

Source states (paraphrased): Works with Google Pay, Samsung Pay & Apple Pay

Source: https://www.curve.com/plans/

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Virtual card: Yes

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

ATM withdrawals: Yes

Fee-free foreign ATM withdrawals only on paid plans (X: up to £/€ 300)

Source states (paraphrased): Foreign ATM withdrawals fee-free up to £/€ 300

Source: https://www.curve.com/plans/

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Spend stablecoins: Yes

Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH

Source states (paraphrased): When you pay, our partner draws CASH from your Cash account, converts it to USD

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Airport lounge access: No

Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it

Source states (paraphrased): Airport lounge access

Source: https://www.curve.com/plans

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Blockchains: Solana

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Spending limit: $2,000

Per day; automatic review for $5,000 after 30 days

Source states (paraphrased): The standard daily transaction limit is $2,000.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Regulation / licences: FCA-authorised e-money issuer (Curve UK Limited, UK) · Bank of Lithuania e-money licence No. 73 (Curve Europe UAB, EEA)

Source states (paraphrased): authorised and regulated by the Financial Conduct Authority to issue electronic money

Source: https://www.curve.com/

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Deposit protection: No

Stated for UK customers and for funds on the Curve Cash card

Source states (paraphrased): FSCS protection does not apply to the funds held on your Curve Cash card

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%