Curve 

Combine all your cards, earn rewards and cashback as you spend

  • Combine/link all your credit card, debit cards and loyalty cards in one
  • Works with Google Pay, Samsung Pay & Apple Pay
  • 1% instant cashback
  • Receive better exchange rates including fee-free foreign ATM withdrawals
  • Move up to 30-day old payments to other cards

Join Curve

What is Curve?

Curve is the next generation money app that allows you to link all of your credit and debit cards in one place so that you can switch spending between them at any time to suit you, whilst also providing a range of benefits such as earning cashback on your spending to using popular digital payment methods such as Apple Pay.

How does Curve work - Main features

  • Earn 1% cashback with retailers (up to 6 major retailers depending on which Curve card you have)
  • Use your Curve card anywhere in the world that accepts MasterCard payments
  • Get instant spending alerts and notifications to your phone
  • 'Go back in time' feature to switch card spending to another card up to 90 days after purchase
  • Pay with your smartphone via Apple Pay, Google Pay and Samsung 
  • Add your loyalty cards
  • Fee-free and free ATM withdrawals abroad 
  • Set up backup cards for payments if one is declined 
  • Customer protection for Curve customers of up to £100,000
  • Money monitoring & spending analysis - see your spending across your cards in one place
  • You only need to remember one pin

How to get and activate a Curve card

To get started, you'll need to download the Curve App from the iTunes app store or Google Play and then register for an account. Here you will need to enter some simple details and sign up for your new Curve card. Your physical card usually arrives within 4-5 working days from the submission of your details.

Once your card arrives in the post, you'll be able to link your standard credit and debit cards by entering details of each account to your Curve app or taking a photo of your card and then choose which ones your payments will be taken from each time you make a purchase.

Join Curve

How to use a Curve card

Curve cards are provided by MasterCard so you can use it in any retailer or for online payments where you see the MasterCard logo. 

When signing up you will have the choice of earning cashback from over 60 well-known brands such as Sainsbury's, Waitrose, Tesco, Amazon, Netflix, McDonald's, Burger King and Shell. Each time you use your card with your chosen retailers, the cashback you earn is added into a section of your Curve card app called Curve Cash. You can make use of these earnings and spend them at any point by selecting it as an option from within the app.

For those that opt-in for the free account (Curve Blue), you will be able to choose up to 3 retailers and earn cashback for the first 90 days of you activating your account. If you choose Curve Black, you will also be able to earn cashback from 3 retailers but have no time limit on how long you can earn, whereas Curve Metal customers can earn cashback from up to 6 retailers with no time limit whilst also receiving additional benefits such as increased amounts for fee-free foreign ATM withdrawals to phone and travel insurance.

Adding loyalty cards to your Curve Account

Most high street stores and online retailers such as Tesco, Boots & Starbucks provide loyalty cards to reward customers with offers and personalised discounts. Carrying all these cards around with you can be a pain, so Curve have revolutionised this by creating the ability to add these to your account.

All you need is a barcode or a loyalty card number and then follow the simple steps to add it.

Compare Curve Cards

Currently, there are 3 different types of Curve cards available (Curve Blue, Curve Black and Curve Metal) with a range of features, benefits and charges. We've put these into the table below so you can compare and choose which type of Curve card is right for you and your needs.

Curve Blue

(The Classic)

Curve Black

(The Premium)

Curve Metal

(The Ultimate)

Monthly Cost Free £9.99 £14.99
Free Foreign ATM Withdrawals (per month) £200 £400 £600
Card Spending Abroad £500 (per month) £15,000 (per year) £60,000 (per year)
Curve Cash (aka cashback) 3 retailers (90 days) 3 retailers 6 retailers
Curve Fronted Fee 1.50% 1.50% Free up to £10,000 per month. 1.5% after
Worldwide Travel Insurance Not included Yes Yes
Extras - - Mobile phone insurance
Worldwide airport LoungeKey access
Rental car collision waiver insurance

Is it safe?

The Curve app uses financial services industry-standard encryption and security measures to ensure your data is protected at all times. Curve is also an appointed representative of a firm regulated by the Financial Conduct Authority.

Your Curve App will be equipped with a 4 digit access code and your Curve card will come with a PIN like your other standard debit or credit cards so that you can withdraw cash from an ATM.

If you ever lose your card, which can easily happen with any kind of debit or credit card, you can cancel it quickly by opening your Curve app and clicking a button to disable the card and stop it from being used.

Curve Promo Code

Click on the button below to sign up and you’ll automatically receive £5 when you join via Bobatoo

Join Curve