Curve vs Wise
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Curve | Wise |
|---|---|---|
| Bewertung | 3.8 / 5 | 4.5 / 5 |
| Ideal für | Consolidating multiple cards into one | Cheap, transparent international transfers |
| Monatsgebühr | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 | Free (one-time card fee in some regions) |
| Wechselkurs | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) | Mid-market + transparent fee (often <0.5%) |
| Senden / Empfangen | N/A (overlays existing cards) | Low variable fee (~0.33%+) |
| Auszahlungen | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month | Free up to a monthly cap, then small fee |
| Karte | Yes — single Mastercard overlaying your cards | Yes — physical & virtual debit Mastercard |
| Verfügbarkeit | UK and EEA (residents aged 18+) | 160+ countries |
| Währungen | Spends in multiple currencies via linked cards | 40+ currencies |
| Regulierung | FCA-authorised e-money institution | FCA (UK), NBB (Belgium), FinCEN (US) |
| Gegründet | 2015 | 2011 |
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.
Vorteile
- 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
Nachteile
- 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
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Vorteile
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Nachteile
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Das Fazit
Insgesamt liegt Wise mit einer Bewertung von 4.5 gegenüber 3.8 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.