Curve Pay
Card and wallet that routes payments to your existing bank cards. Plans differ in fee-free FX allowance, ATM allowance and cashback. Formerly Lite / X / Black / Metal.
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%
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%
Base 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%
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%
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%
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- Apple Pay and Google Pay
Cons
- FX fee up to 2.99%
- Top rate of 1% only with conditions — Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
- ATM fee 2% (min. £2)
Good for
Not enough data to say.
Not for
- Frequent travellers paying in foreign currencies
- Users who insist on self-custody
Risks to understand
- E-money balances are safeguarded, not covered by deposit insurance unless the provider is a licensed bank.
All details
Fees4/15
- 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
- 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
- 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%
Not yet researched: Annual fee, Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards5/14
- 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%
- 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%
Not yet researched: Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies1/4
- 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%
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets4/11
- 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
- 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
- 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%
- Airport lounge access
No*Show source
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 today (Fresh) · confidence 95%
Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it
Not yet researched: Virtual card, ATM withdrawals, Spend stablecoins, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody2/3
- 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
Not yet researched: Smart-contract risk.
Limits0/2
No limits data published or researched yet.
Product5/7
- 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%
- 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%
- Custody model
Custodial*Show source
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 today (Fresh) · confidence 95%
The provider holds the funds
- 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%
Not yet researched: Card type, Launch date.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | 3 |
Availability 31 of 60 tracked countries | 15% | 100 |
FX & international FX fee 2.99% | 10% | 0 |
Product features 3 of 3 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: custodial · Regulated / protected (+15) | 10% | 75 |
Credit & financing | 5% | No data — excluded |
Limits & ATM ATM cost on €200 ≈ 2.0% | 5% | 60 |
Transparency 6 of 6 checked key terms disclosed · 2 contradiction(s) between official sources | 5% | 86 |
Data coverage 95%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Curve Pay have an annual or monthly fee?
Base tier: Free (Curve Pay (free plan)). Source: What Curve Pay subscription plans are available?.
What is the FX fee of Curve Pay?
2.99% (Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free). Source: Fees – Curve Help Centre.
How much cashback does Curve Pay pay?
Base rate: 0% (Free plan). Highest advertised rate: 1% (Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)). Paid in Curve Cash.
Where is Curve Pay available?
United Kingdom, EEA.
Is Curve Pay self-custodial?
Custodial (The provider holds the funds).
Does Curve Pay work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history23 entries
- Airport lounge access not disclosed → false · 24 October 2026 · approved
- Custody model not disclosed → "custodial" · 24 October 2026 · approved
- Physical card not disclosed → true · 24 October 2026 · approved
- Google Pay not disclosed → true · 24 October 2026 · approved
- Apple Pay not disclosed → true · 24 October 2026 · approved
- Regulation / licences ["Curve UK Limited: authorised by the FCA to issue e-money (FRN 900926)","Curve Europe UAB: electronic money institution licensed by the Bank of Lithuania (No. 73)"] → ["Curve UK Limited: FCA-authorised e-money issuer (FRN 900926)","Curve Europe UAB: electronic money institution licence No. 73, Bank of Lithuania"] · 24 October 2026 · approved
- Available in not disclosed → ["GB","EEA"] · 23 October 2026 · approved
- Deposit protection not disclosed → false · 23 October 2026 · approved
- Regulation / licences not disclosed → ["Curve UK Limited: authorised by the FCA to issue e-money (FRN 900926)","Curve Europe UAB: electronic money institution licensed by the Bank of Lithuania (No. 73)"] · 23 October 2026 · approved
- Cashback conditions not disclosed → ["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)"] · 23 October 2026 · approved
- Cashback paid in not disclosed → "Curve Cash" · 23 October 2026 · approved
- Card issuer / program manager not disclosed → "Curve UK Limited (UK); Curve Europe UAB (EEA)" · 23 October 2026 · approved
- Tiers / plans ["Curve Pay (free)","Curve Pay X £5.99/mo","Curve Pay Pro £9.99/mo","Curve Pay Pro+ £17.99/mo"] → ["Curve Pay","Curve Pay X","Curve Pay Pro","Curve Pay Pro+"] · 23 October 2026 · approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved