Apple Pay vs Curve
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Apple Pay | Curve |
|---|---|---|
| Skóre | 4.4 / 5 | 3.8 / 5 |
| Najlepšia na | Contactless payments on Apple devices | Consolidating multiple cards into one |
| Mesačný poplatok | Free | Free → ~£14.99/mo (Pay→Metal) |
| Výmenný kurz | Uses your card's FX terms | Mid-market weekdays; weekend surcharge |
| Odoslať / prijať | Apple Cash P2P free; instant 1.7% | N/A (overlays existing cards) |
| Výbery | Standard Apple Cash free; instant 1.7% | Limited free ATM, then fees |
| Karta | No standalone card; tokenises existing cards | Yes — single Mastercard overlaying your cards |
| Dostupnosť | Apple Pay 80+ countries; Apple Cash US-only | 30+ European countries (+ US rollout) |
| Meny | Local card currency; Apple Cash USD | Spends in multiple currencies via linked cards |
| Regulácia | Apple Cash via Green Dot Bank (US); rides card networks | FCA-authorised e-money institution |
| Založené | 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.
Výhody
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Nevýhody
- 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.
Výhody
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
Nevýhody
- Weekend FX surcharge applies
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Záverečné zhrnutie
Celkovo sa Apple Pay dostáva dopredu so skóre 4.4 oproti 3.8 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.