Curve Card - What is it & How to get £10 FREE

Curve is a debit card and mobile app that condenses all of your existing VISA and MasterCard accounts into one Curve card to use in-store and online and pay from any of your existing bank accounts or credit cards. Meaning, you can head out of the house and leave all of your other debit and credit cards at home and go about your day using the one Curve Card for all of your purchases.

How does Curve work?

Curve is to Banking what Netflix is to TV and Spotify to Music. We connect All Your Cards in One Smart Card. And One Even Smarter App. - Curve.

Curve is easy to set up and use. If you have ever added a debit or credit card to Apple Pay, Google Pay, or PayPal, then adding your cards to Curve will feel very familiar.

Once you have opened a Curve account you securely add your existing debit and credit cards to the Curve mobile app by either scanning the card with your phone or by typing in the card details manually.

Once you have added your debit and credit cards, you can head out of the house with just one card. Using the Curve mobile app, you select or change the account you want transactions to be deducted from when you use your Curve card.

Curve stores your card details securely and cannot access your accounts, online banking, or other sensitive information.

Curve sends a notification to your mobile phone each time you use your Curve card to make purchases and customers have access to free budgeting tools within the app, which lists all of your transactions in categories across all of your accounts.

Besides condensing your cards and providing free budgeting tools, Curve saves you money when you spend abroad as, instead of using your banks inflated fees and exchange rates, you get access to the market rate through Curve.

How much does the Curve Card cost?

There are three Curve cards available:

• Curve Blue - Free
• Curve Black - £9.99 per month
• Curve Metal - £14.99 per month

Is Curve a Credit or Debit card?

Curve is a MasterCard debit card. However, you can link both debit and credit cards to it. This is especially useful if you want to make a big purchase with your credit card but the merchant charges a credit card fee.

By selecting your credit card as the active payment method within the Curve app and using your Curve debit card to complete the transaction, the merchant will process the payment as a debit card payment, thus avoiding any credit card fees charged by the merchant.

How do I get a Curve Card and £10 free?

It is easy to get a Curve card, and the process takes just a few minutes via its mobile app, with no paperwork.

1. Download the Curve App
2. Create a free account
3. Use Promo Code SELUK to receive £10 FREE credit
4. Select the Curve card you want - Blue, Black, or Metal
5. Your Curve card will be posted to your home address
6. Add your debit and credit cards to the Curve App
7. Use the Curve app to switch your active payment method as you go about your day

Curve Card Features and Benefits

There are many great benefits to having a Curve card, namely condensing down all of your debit and credit cards into one. In addition, Curve customers get access to some other clever features, including:

1. Budgeting Tools
2. Go Back in Time
3. Curve Cash
4. Market Rate Currency Exchange
5. Curve Send
6. Apple Pay and Google Pay

1. Budgeting Tools

One of the main problems with having multiple debit cards and credit cards, is that you have to check each of your mobile banking apps or online banking websites to see how much money you have spent in total across all of your accounts. Curve changes this with its in-app budgeting tool, called Insights.

Insights displays all transactions carried out with your Curve card. It goes one step further by automatically categorising your purchases to show you how much money you have spent on certain things, such as Groceries, across all of your accounts, so long as you used your Curve card to complete the transaction.

To help you keep track of your spending and expenses, you can filter your Insights screen to show purchases you made using a specific bank and view a breakdown of those purchases.

For example, a customer with debit cards with HSBC and Revolut and a credit card with NatWest could:

• View all transactions across all banks.
• View the amount spent on a specific category, such as transport, across all banks.
• View all transactions from a specific bank.

Currently, customers cannot view a breakdown of the amount they have spent on a certain category with a specific bank, such as how much you spent on Groceries with HSBC.

2. Go Back in Time

Arguably one of the most innovative, standout features of Curve is its exclusive Go Back in Time feature, which allows you to change the debit or credit card you used for a purchase within 14 days for free, up to £1,000.

Say, for example, you paid for your weekly food shop using your Curve card which, at the time, was linked to your debit card but you meant to pay for your food shop with your credit card - no problem, just use the Go Back in Time tool to move the payment over to your credit card. Here is how it works:

1. Open the Curve app
2. Tap on the transaction you need to change
3. Under ‘Transaction Features’ tap ‘Go Back in Time’
4. Select the debit or credit card you want the transaction to be switched to
5. Confirm the switch

Curve takes care of immediately refunding the money back to the original card and recharging it to the card you choose, with no fees or charges.

3. Curve Cash

Curve Cash rewards customers with 1% cash back when they use their Curve card at select retailers. Depending on which Curve card you opt for, you can select up to six different retailers for your Curve Cash.

With Curve Cash, you can choose from over 100 retailers including:

• Food & Drink - Burger King, McDonald’s, Costa Coffee, Just Eat, Deliveroo, Starbucks, Pret a Manger, Nando’s, Yo! Sushi.
• General - Argos, B&Q, Halfords, Waterstones, Wilko.
• Groceries - Aldi, ASDA, Lidl, M&S, Ocado, Sainsbury’s, Tesco, Waitrose.
• Lifestyle - Everyman Cinema, Netflix, Spotify.
• Shopping - Amazon, Apple, ASOS, Boots, Burton, Debenhams, Dorothy Perkins, H&M, IKEA, River Island.
• Travel - Booking.com, BP, easyJet, Shell, National Express Trainline, TFL, Uber, Virgin Trains.

Curve Cash is held in a virtual Curve Rewards card, within the Curve app. When you want to use your points, select your Curve Reward card as your active payment method, as you would your debit or credit card, and use your Curve Card when making payment in-store or online with any retailer.

One point is equivalent to one penny - so 100 points = £1.00

4. Market Rate Currency Exchange

You can use your Curve card when travelling or going on holiday. Curve uses the Interbank Exchange Rate, which provides a much better rate than most high street banks, and because Curve charges no fees, you can save money by using your Curve card whilst abroad instead of paying with your debit or credit card directly and paying the fees and rates charged by your bank.

You receive the same exchange rate with Curve, no matter which debit or credit card you have active, which gives you more clarity on how much you are spending. In addition, Curve gives you instant notifications when you use your card, so you can see how much you were charged in your local currency.

5. Curve Send

With Curve, customers can send money to other Curve customers from any of their linked debit or credit cards, using the Curve app.

Customers can transfer up to £500 per day in the currency of their choice using the interbank exchange rate offered by Curve, meaning you could get a better rate sending money through Curve than through your bank directly.

The person you are sending money to will receive the money into their Curve app immediately. If they are not yet a Curve customer, they will be prompted to open an account.

6. Apple Pay and Google Pay

Although your Curve card is contactless, some people prefer to pay using Apple Pay or Google Pay. The problem with this is that payments made using your Curve card would show up in the Curve app and also within the Insights screen to help with your budgeting, but any Apple Pay or Google Pay payments would not as they are connected directly to your debit or credit provider.

Fortunately, Curve has you covered as you can add your Curve card to your mobile wallet. Meaning, you can have just the one Curve Card in your Apple Pay or Google Pay wallet and use the app to switch your active debit or credit card and have all of your transaction show up in the Curve app and the Insights screen.

By having just one Curve card linked to your mobile device, you can remove your other debit and credit card numbers, giving you extra security.

Curve Accounts and Prices

Curve Card Reviews

Curve has received some excellent reviews from current and past customers. People praise Curve for making it easy to use multiple debit and credit cards with just the one Curve card and app. It has also received rave reviews for its Go Back in Time feature and inbuilt budgeting tools.

Trustpilot Reviews

On consumer review site, Trustpilot, over 1,800 customers have rated Curve an average of 4 / 5.

• Excellent - 74%
• Great - 13%
• Bad - 6%
• Average - 4%
• Poor - 3%

“Fantastic idea, implemented well. Excellent, efficient customer service too. I use it constantly. It allows me to manage my purchases into groups and make sure they go against the right payment cards without having to carry all those cards around. Brilliant”

“Curve is amazing. It allows me to carry multiple cards in my wallet with just one card. It also allows me to switch my purchase to a different card after the purchase. I really like it and it’s the most important card in my wallet.”

There are a few negative reviews regarding Curve. However, most of these focus on isolated incidents, such as a declined payment.

“I would like to love it, but too unreliable. Sometimes transactions get refused for no reason, which forced me to always have an extra card.”

“Great idea, but no support. I'm waiting now 14 days for reply”

Facebook Reviews

Over on Facebook, Curve is rated an average of 3.7 / 5, with its score and reviews echoing those found on Trustpilot. Customers comment about the simplicity of being able to carry just one card around with them to spend with all of their bank cards.

“I hated having a big wallet, and wished I could have all my cards in one place... boom CURVE. It’s as good as the hype, and now with Apple Pay it’s a no brainier.... there’s no reason not to have one.”

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