Apple Pay vs Curve
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Apple Pay | Curve |
|---|---|---|
| Note | 4.4 / 5 | 3.8 / 5 |
| Idéal pour | Contactless payments on Apple devices | Consolidating multiple cards into one |
| Frais mensuels | Free | Free → ~£14.99/mo (Pay→Metal) |
| Taux de change | Uses your card's FX terms | Mid-market weekdays; weekend surcharge |
| Envoyer / recevoir | Apple Cash P2P free; instant 1.7% | N/A (overlays existing cards) |
| Retraits | Standard Apple Cash free; instant 1.7% | Limited free ATM, then fees |
| Carte | No standalone card; tokenises existing cards | Yes — single Mastercard overlaying your cards |
| Disponibilité | Apple Pay 80+ countries; Apple Cash US-only | 30+ European countries (+ US rollout) |
| Devises | Local card currency; Apple Cash USD | Spends in multiple currencies via linked cards |
| Réglementation | Apple Cash via Green Dot Bank (US); rides card networks | FCA-authorised e-money institution |
| Création | 2014 | 2015 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay accepted in 80+ countries with no usage fee. Apple Cash adds US-only peer-to-peer payments inside iMessage. Excellent for everyday spending within the Apple ecosystem but offers no standalone account or Android support.
Avantages
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Inconvénients
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
Curve
Curve is a London-based smart card that consolidates all your existing debit and credit cards into one Mastercard and app, with a standout "Go Back in Time" feature to retroactively switch a payment's funding card. It offers mid-market FX on weekdays but adds a weekend surcharge, and its best perks sit behind paid tiers. An overlay layer rather than a bank or transfer account.
Avantages
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
Inconvénients
- Weekend FX surcharge applies
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
En résumé
Globalement, Apple Pay prend l'avantage avec une note de 4.4 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.