Apple Pay vs Curve
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Apple Pay | Curve |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Contactless payments on Apple devices | Consolidating multiple cards into one |
| Ежемесячная комиссия | Free | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Курс обмена | Uses your card's FX terms | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) |
| Отправка / получение | Apple Cash P2P free; instant 1.7% | N/A (overlays existing cards) |
| Выводы средств | Standard Apple Cash free; instant 1.7% | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Карта | No standalone card; tokenises existing cards | Yes — single Mastercard overlaying your cards |
| Доступность | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only | UK and EEA (residents aged 18+) |
| Валюты | Local card currency; Apple Cash USD | Spends in multiple currencies via linked cards |
| Регулирование | Apple Cash via Green Dot Bank (US); rides card networks | FCA-authorised e-money institution |
| Основан | 2014 | 2015 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay available in 100+ countries and regions with no Apple 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.
Плюсы
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Минусы
- 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. Its free Curve Pay plan includes only £/€250 of fee-free FX a month and adds a 1.5% weekend fee, so its best travel value sits in the paid tiers. An overlay layer rather than a bank or transfer account.
Плюсы
- Combine all cards into one card & app
- No FX fee on paid plans up to high monthly allowances
- "Go Back in Time" to switch a payment's card
Минусы
- Free plan: 2.99% FX above £/€250 a month plus 1.5% at weekends
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Итог
В целом Apple Pay выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.