Verdict
- Wise Card scores higher overall (7.3 vs 4.8 out of 10).
- Wise Card is clearly stronger on: FX & international.
- 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.
Wise Card is a good fit for
- Frequent travellers
Stronger on: FX & international
Score by criterion
| Criterion | Curve Pay | Wise Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 3 | – |
| Availability | – | 100 |
| FX & international | 0 | 83 |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | 60 | 51 |
| Transparency | 86 | 86 |
| Best for Cashback | 3.4 | n/a |
| Best for Travel | 3.9 | 7.6 |
| Best for High Spenders | 3.4 | n/a |
| Best for Low Fees | 6.7 | 8.6 |
| Best for Beginners | 6.3 | 7.5 |
| Best E-Money Card | 5.6 | 8.0 |
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: Fees for holding, receiving, and spending money
Official pricing / fee schedule (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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Curve Pay (free) · Curve Pay X £5.99/mo · Curve Pay Pro £9.99/mo · Curve Pay Pro+ £17.99/moShow source
Tiers / plans: Curve Pay (free) · Curve Pay X £5.99/mo · Curve Pay Pro £9.99/mo · Curve Pay Pro+ £17.99/mo
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%
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)
Free*Show source
Monthly fee: Free
No subscription required
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No subscription required
Physical card fee
£7*Show source
Physical card fee: £7
UK one-time fee; US $9; EUR fee not captured; virtual card free
Source: How to use the Wise card abroad: for Brits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
UK one-time fee; US $9; EUR fee not captured; virtual card free
Virtual card fee
FreeShow source
Virtual card fee: Free
Source: How to use the Wise card abroad: for Brits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
0.43%*Show source
FX fee: 0.43%
From; varies by currency pair; 0% when spending a currency you hold
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
From; varies by currency pair; 0% when spending a currency you hold
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
2.69%*Show source
ATM fee: 2.69%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
€250/month*Show source
Free ATM allowance: €250/month
Eurozone-issued cards; no limit on the number of free withdrawals
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Eurozone-issued cards; no limit on the number of free withdrawals
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Cashback type
FiatShow source
Cashback type: Fiat
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
Australia, Brazil, Canada, EEA, Switzerland, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, United States*Show source
Available in: Australia, Brazil, Canada, EEA, Switzerland, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, United States
Personal customers; US excluding Nevada residents; Thailand not for older accounts
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Personal customers; US excluding Nevada residents; Thailand not for older accounts
Account / spend currencies
EUR · GBP · USD · and many moreShow source
Account / spend currencies: EUR · GBP · USD · and many more
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−28 EUR
- Cashback+0 EUR
- Net annual value-136 EUR
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 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