Imagine a financial app which is not a bank. Imagine a card which gives you more; one card you can use instead of all of your debit and credit cards and which gives you more Rewards and saves you money when you travel. Imagine getting simple smart insights and instant notifications when you spend. Imagine the safety of industrial-grade security and the ability to lock or unlock your account with one tap. Imagine that, and more. Imagine Curve.
With all your Visa and MasterCards added securely to the app, you just need your Curve card to spend from all your accounts. Curve works in over 30 million Mastercards locations globally and unlike mobile phones, Curve works at ATMs so you have full access to your money. Curve's Mastercard works even when your phone is out of action.
"EXCELLENT" - TRUSTPILOT
"Curve made my life simpler!" - Laurent, Curve user
"My wallet feels safer and lighter." - Daniel, Curve user
"Best all-in-one card on the market!" - Sven, Curve user
"Saved me lots of money when travelling on exchange and bank fees! No hidden fees anymore!" - Piotr, Curve user
"it's so easy - no topping up, no extra bookkeeping, it just works." - James, Curve user
"I love the fact that it also ties in with Xero" - Col, Curve user
*** GET MORE FROM CURVE ***
GET REWARDED FOR YOUR SPEND
Choose between retailers of your choice and get a 1% cashback on selected retailers of your choice as an introductory 3-month offer - a little “thank you” from Curve.
TRAVEL LIKE A LOCAL WITH THE REAL EXCHANGE RATE
When you spend abroad with Curve, we do the currency conversion instead of your bank - you get the real rate, compared to typical bank fees of up to 5%. With Curve, all of your cards are fee-free when travelling! Unlike typical travel cards, Curve needs no top-ups. No running out of currency while abroad, no leftover amounts on your card at the end of your trip. Simpler, safer, cheaper travel spend.
***SIMPLICITY IS CURVE***
With Curve you don’t need to guess. Get instant notifications on your mobile with every account activity such as purchases or ATM withdrawals.
EASIER SPEND INSIGHTS
Ever tried budgeting but given up? Budgeting apps mean manual work after each purchase and you can quickly lose track. Instead, Curve instantly categorises and adds each purchase to your spend timeline.
How much for monthly groceries? Filter by category: Done.
Did you overspend on holiday? Filter by currency and date: Done.
How much have you spent on your joint account? Filter by card: Done.
Whether you're spending at home or abroad, keeping track or trying to save: Curve is there to simply help.
SMARTER BUSINESS EXPENSES WITH XERO
Curve's connection to Xero makes it easier to automate expenses, so you're free to manage your business. It's a spending card and automated receipt app, all in one. Whether you’re the accountant, bookkeeper or the business account holder, Curve cuts out the hassle of expenses to make life easier.
***CURVE PUTS YOU IN CONTROL***
INTELLIGENT FRAUD PROTECTION
Security is our first priority. Your data is secured by industry-standard SSL encryption applied to all Curve systems. In fact, you're safer with Curve: no data about your existing cards is stored on your phone, or shared with the merchant or ATM.
Your card has been used? You get an instant notification on your phone.
You see a fraudulent transaction? Lock the card instantly in the app and contact our 24/7 support team.
If something goes wrong, with in-app chat support you can get help and order a new card within minutes. That’s safety.
GO BACK IN TIME
Made a mistake and used the wrong card to pay? Here’s where Curve does its magic. It allows you to go back in time and change the charge to a different card. Especially helpful for those who use personal and work cards, but appreciated by all our users. Including Marty McFly.
Download Curve and get your card today.
In this version, we've fixed a few bugs that were affecting users:
• Ability to change card currency has been re-enabled
• A crash that some users were seeing on the timeline
• International dialling code has been corrected for Cyprus
• Card verification during on-boarding has been fixed
• Magic link login and unintended logout issues
Ratings and Reviews
Some great features
Generally I think this is a great concept only needing one card, although I generally use applepay which removes the need for me to carry any cards with me. The feature that I find the most useful is the ‘Go back in time’ which allows you to swap transactions on to a different card. The only reason that I gave 4 stars is that I have had 2 occasions in a short space of time where a transaction has been charged twice on my account because the terminal told me it had declined or I needed to insert the card even though it had already debited my account. Customer service takes about 2 days to get back to you and the response was that it would normally be refunded back within 10 working days. On these occasions they were small amounts, however if they were larger amounts that would cause me major concern. So all in all it’s useful but at times unreliable.
While this is a great idea you are do you have to be quite concerned that you are giving a company all of your card details with all of the providers that you are with. Not only that they also have access to all your transactions when and where items were brought!
I contacted support regarding a “fraudulent transaction” which was invested however I found the support had an I don’t care attitude! They would contradict each other. If your support team don’t care about my security does anyone at Curve? Using ‘bank grade’ security is great but not if you haven’t locked the safe due to staff saying oh it’s secure there was a key around here somewhere?
I liked the idea but second thoughts after my run in with support left me concerned by staff understanding. Oddly it isn’t the potentially fraudulent transaction itself that has me concerned me but rather the way support has handled it! Faith lost.
Developer Response ,
At Curve, we are committed to protecting your personal data and privacy.
At Curve, we want you to enjoy your life by giving you simple control of your finances, via our unique app and debit card. We always strive for excellence and to make our customers happy. Our apologies as that was not your experience in your interaction with us, this is not the usual for our customers. We hope you’ll consider us again soon.
Next-gen personal finance
There is a lot to love about the whole Curve experience. The app is brilliantly designed, and makes what could be a horrible setup process straightforward and even pleasurable. And then about a week later your card arrives and it’s also beautiful, and using it has been great so far. For many people, Curve will be a god-send - there is now finally a way to track and manage cashless spending. However, I don’t know how useful Curve will be in say, a years’ time. All the traditional banks and card issuers are updating their apps to give better visibility over spending and for many this will be good enough. For them, Curve is just another card and complication to carry around.
Up to six family members will be able to use this app with Family Sharing enabled.