Curve Pay vs Ready Card
E-money / FinTech
Crypto native
Verdict
- Ready Card scores higher overall (7.6 vs 6.0 out of 10).
- Ready Card is clearly stronger on: FX & international, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Curve Pay is a good fit for
- No specific audience can be derived from the published data yet.
Ready Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: FX & international, Limits & ATM
Score by criterion
| Criterion | Curve Pay | Ready Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 3 | – |
| Availability | 100 | – |
| FX & international | 0 | 100 |
| Product features | 100 | 100 |
| Custody & security | – | 80 |
| Credit & financing | – | – |
| Limits & ATM | 60 | 74 |
| Transparency | 86 | 79 |
| Best for Cashback | 4.1 | n/a |
| Best for Travel | 4.9 | 8.5 |
| Best for Self-Custody | n/a | 8.2 |
| Best for DeFi Users | n/a | 7.5 |
| Best for High Spenders | 3.7 | 7.1 |
| Best for Low Fees | 6.7 | 9.3 |
| Best for Beginners | 8.3 | 8.1 |
| Best E-Money Card | 6.8 | n/a |
Product
Product status
ActiveShow source
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%
ActiveShow source
Product status: Active
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
MastercardShow source
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%
MastercardShow source
Network: Mastercard
Source states (paraphrased): Accepted anywhere Mastercard is accepted.
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms
Source states (paraphrased): As the Ready Products are non-custodial, you manage digital assets through the Ready App at your own risk.
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms
Card issuer / program manager
Curve UK Limited (UK); Curve Europe UAB (EEA)Show source
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: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Tiers / plans
Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+Show source
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%
Lite (free) · MetalShow source
Tiers / plans: Lite (free) · Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Monthly fee
Free*Show source
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%
Curve Pay (free plan)
FX fee
2.99%*Show source
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%
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
0%*Show source
FX fee: 0%
Card page; a Ready Learn page lists 1% for Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Card page; a Ready Learn page lists 1% for Metal
Top-up fee
Free*Show source
Top-up fee: Free
Metal tier
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier
ATM fee
2% (min. £2)*Show source
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%
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
2%*Show source
ATM fee: 2%
Metal tier, above the monthly free limit
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier, above the monthly free limit
Free ATM allowance
$800/month*Show source
Free ATM allowance: $800/month
Metal tier
Source states (paraphrased): 2% ATM fee above the monthly free limit of $800.
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier
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 allowanceShow source
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%
Cashback & rewards
Base cashback
0%*Show source
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%
Free plan
Max cashback
1%*Show source
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%
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Cashback paid in
Curve CashShow source
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
FiatShow source
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%
Points*Show source
Cashback type: Points
Ready Rewards Points; may appear in-app as cashback; redeemable to offset eligible card purchases (USDC transfer)
Source states (paraphrased): they are loyalty benefits only, not money, e-money, or cryptoassets
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ready Rewards Points; may appear in-app as cashback; redeemable to offset eligible card purchases (USDC transfer)
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)Show source
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%
Points awarded only after the transaction has settled and a 7-day grace period has elapsed · Points rate depends on Ready plan, transaction type and promotions · Monthly or other caps on Points may apply (shown in app) · Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptionsShow source
Cashback conditions: Points awarded only after the transaction has settled and a 7-day grace period has elapsed · Points rate depends on Ready plan, transaction type and promotions · Monthly or other caps on Points may apply (shown in app) · Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptions
Source states (paraphrased): Points are awarded only after the underlying transaction has fully settled and a grace period (currently 7 days) has elapsed.
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Reward expiry / vesting
Points do not currently expire; forfeited if the account is closed*Show source
Reward expiry / vesting: Points do not currently expire; forfeited if the account is closed
Ready may introduce expiry with at least 30 days' notice
Source states (paraphrased): Points do not currently expire.
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ready may introduce expiry with at least 30 days' notice
Reward exclusions
Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the appShow source
Reward exclusions: Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the app
Source states (paraphrased): Points may be excluded for certain merchants, merchant category codes (MCCs), or transaction types
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Availability
Available in
United Kingdom, EEAShow source
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%
Features
Apple Pay
Yes*Show source
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%
Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX
YesShow source
Apple Pay: Yes
Source states (paraphrased): used for transactions, including through Apple Pay or Google Pay
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Google Pay
Yes*Show source
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%
Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX
YesShow source
Google Pay: Yes
Source states (paraphrased): used for transactions, including through Apple Pay or Google Pay
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Physical card
YesShow source
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%
Blockchains
StarknetShow source
Blockchains: Starknet
Source: Network fees (gas): what do you need to pay?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Security & custody
Regulation / licences
Curve UK Limited: FCA-authorised e-money issuer (FRN 900926) · Curve Europe UAB: electronic money institution licence No. 73, Bank of LithuaniaShow source
Regulation / licences: Curve UK Limited: FCA-authorised e-money issuer (FRN 900926) · Curve Europe UAB: electronic money institution licence No. 73, Bank of Lithuania
Source states (paraphrased): authorised in Lithuania by the Bank of Lithuania (electronic money institution license No. 73 issued on 22 of October, 2020)
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 90%
Deposit protection
No*Show source
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%
Stated for UK customers and for funds on the Curve Cash card
No*Show source
Deposit protection: No
Applies to digital assets managed through the Ready App
Source states (paraphrased): are not covered or underwritten by any regulatory guarantees or compensation schemes
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Applies to digital assets managed through the Ready App
Annual cost at 1,500 EUR/month
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−29 EUR
- Cashback+0 EUR
- Net annual value-136 EUR
Ready Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers