Curve Review: What is Curve and How to Use a Curve Card

Curve Review What is Curve and How to Use a Curve Card
My Curve Review
  • Spend from All Your Cards with just One Card
  • Free Physical Card
  • Free Account
  • No Monthly Card Fees
  • Card insurance up to €100,000
  • Earn 1% instant Curve Cashback
  • Transfer Money Globally
  • Freeze and Unfreeze Your Cards
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My Curve Overview:

A very powerful tool in this day and age where identity theft is more evident across the globe. You can take advantage of the FX rates when traveling abroad and stretch your budget further. 

We’ve found that the Curve card offers a multi-card management package in their app, so you can use them all. You can also take advantage of weekend card fees by easily switching to your favorite localized cards. 

If you need just one card up your sleeve, this is the perfect choice for you. Just by combining all of your cards into one makes perfect sense too. You can easily track all your expenses at a glance. And since you don’t need so many cards to carry – traveling just got a lot lighter in return.

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Short Curve Overview?

Curve isn’t the newest card on the block, yet it is certainly a challenger bank that’s smarter than your bank card. 

It’s a card that will help manage how you do your spending all over the world. If you’re looking to save more in wallet space, then this Curve review helps you understand how Curve aims to please.

What is Curve?

When you have several bank cards that you constantly need to juggle, the Curve card is the perfect solution. This is one payment card that combines everything you want in a physical bank card that does so much more. 

Curve Review

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What Curve essentially does is, helping to combine all of your other bank cards into one. You manage them through the Curve app on your smartphone.

Rather than hassle with several cards when you travel, Curve card allows you to access all the accounts at once. Payments are simplified, and cash advances have instant currency exchange rates without any fees. And there is more, read further and see why?

How Does Curve Work?

A better way to navigate your spending when you’re on-the-go, you manage your banking through the Curve app. Within the app, you can see how all your accounts fit into categories that follow a timeline. 

You can choose which bank card pays for the business and which it pays for the pleasure. It protects your digital banking details all in one card, therefore, your card numbers are never revealed when you pay.

You also have access to Go Back In Time’ to switch card payments for free between cards before your billing period. Payments to your other Curve friends are made simple with free daily limit transfers.

Whenever you spend at their partnered businesses (Tesco, Shell, Lidl, or IKEA), you earn 1% cash-back payments for 90 days. All of your most sensitive functions can be controlled through the app, including locking card payments and theft protection freezing. It just gets better, sees why:

The App is Easy to Navigate. Features Include:

Home: Through the app, you have access to view all your bank cards and spending history. Add details such as receipt photos to track expenses. You can also add several bank or debit cards to your collection of cards you prefer to use. It even works with the Revolut card and other challenger banks out there as well.

Timeline: This nifty in-app tool helps you track which payment comes from which card. At the touch of a button, you can view the details of all your finances. Filters within this app allow you to mark purchases with icons letting you know what you had bought.

Using Curve Abroad

The advantage of using your Curve card when traveling abroad is the free currency conversion in that local currency and country. Conversions are real-time market rates that can be a bonus if you’ve hit a peak rate streak for your money’s worth. 

ATM withdrawals are also free for all the local foreign currency needed. Weekends do have some minimal charges whenever using the card for payments or ATM withdrawals. However, you can easily switch cards (via your app), to local cards of that country and skip weekend fees altogether.

Using Curve Abroad

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Curve Fees, Limits, and Pricing

Depending on which cards you decide to use, there are 2 different versions that all have standard features and bonuses. There is the Curve Blue and the premium Curve Black. 

Since Curve Blue has no monthly fees, Curve earns its’ money through your transactions. And since your standard card is free, you get additional bonuses along the way. 

This section covers the Curve Blue rates

  • Cash-back Curve Money: Earn 1% at 3 top business partner retailers all over the world for 90 days.
  • Insurance protected: 100,000€ Customer protection insured.
  • Transaction fees: 0.2-0.3% on any purchase.
  • Monthly limits: Access to interbank FX rates up to 500€ per month are free.
  • Send friends money: 500€ per day.
  • ATM withdrawal: Free up to 200€ per month for foreign travel.

Curve Black 

Curve Black is roughly 10€ per month and offers the same services above with some extra bonuses added. This card is meant for those who use their cards very often while traveling.

  • Unlimited transaction fees: Access to interbank FX rates are free (Some fees may apply on weekends).
  • Worldwide Travel Insurance: Covering UK, FR, DE, IE, IT, PT, and ES residents only.
  • Electronic Gadget insurance: Covering UK, FR, DE, IE, IT, PT, and ES residents only.

Is Curve Safe?

One of the great benefits you’ll get from Curve is the safety features they’ve included. If you’ve lost or misplaced your card, your app can quickly freeze it until you’ve found it again. 

Similarly, all of your bank card information is also protected from being identified. All the bank card numbers are never exposed or revealed when you use the Curve card.

The Pros and Cons of Curve

Curve’s Pros:

  • Free standard card with no monthly fee;
  • Free built-in app for iPhone or Android;
  • Free foreign cash withdrawals;
  • Free interbank FX real-time rate exchange for your currency;
  • Low transaction fees of 0.2-0.3%;
  • Freeze functions;
  • Card insurance up to 100,000€;
  • Go Back in Time function lets you switch between card payments up to 14 days and 1000€.
  • Curve lets you earn 1% instant Curve Cash from your choice of 100+ awesome brands. Spend it anywhere immediately. Or save up to spoil yourself with something special – for free!

Earn bonus points with Curve

Curve’s Cons:

  • The weekend rate charged on all foreign purchases or withdrawals (unless you have a local foreign card);
  • No physical bank means no face to face service. (they do have a 24/7 service number);
  • Not a credit card, therefore you can only spend the balances of your other attached cards.

Which are the Best Curve Alternatives?

So far, I am using alternative banking cards from RevolutMoneseTransferwise, and iCard. I also use Coinbase to buy altcoins.

Final Thoughts on My Curve Review

A very powerful tool in this day and age where identity theft is more evident across the globe. You can take advantage of the FX rates when traveling abroad and stretch your budget further. 

We’ve found that the Curve card offers a multi-card management package in their app, so you can use them all. You can also take advantage of weekend card fees by easily switching to your favorite localized cards. 

If you need just one card up your sleeve, this is the perfect choice for you. Just by combining all of your cards into one makes perfect sense too. You can easily track all your expenses at a glance. And since you don’t need so many cards to carry – traveling just got a lot lighter in return.

£5 Bonus. Use Code - EKPJGPQN

*Sign-up and get Get £5 Bonus when you apply Bonus Code – EKPJGPQN.


Some links on this page may contain affiliate links, which means that I may earn a commission if you register through them. None of the posts on this blog have been sponsored. Opinions are mine.

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