Náš verdikt
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.
Klady
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
- Cashback & perks on premium tiers
Zápory
- Weekend FX surcharge applies
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
- Some issuers block Curve linking
Poplatky a klíčová fakta
| Registrace | Free |
|---|---|
| Měsíční poplatek | Free → ~£14.99/mo (Pay→Metal) |
| Odeslat / přijmout | N/A (overlays existing cards) |
| Směnný kurz | Mid-market weekdays; weekend surcharge |
| Výběry | Limited free ATM, then fees |
| Karta | Yes — single Mastercard overlaying your cards |
| Dostupnost | 30+ European countries (+ US rollout) |
| Měny | Spends in multiple currencies via linked cards |
| Založeno | 2015 |
| Sídlo | London, UK |
| Regulace | FCA-authorised e-money institution |
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Curve — frequently asked questions
Is Curve safe to use?
Curve is regulated by FCA-authorised e-money institution and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Curve charge?
Account/monthly fee: Free → ~£14.99/mo (Pay→Metal). Sending or receiving: N/A (overlays existing cards). Currency conversion: Mid-market weekdays; weekend surcharge. Withdrawals: Limited free ATM, then fees. Fees can change and may vary by country, so always confirm the latest terms on the official Curve site.
Which countries can use Curve?
Curve is available in 30+ European countries (+ US rollout). Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Curve offer a card?
Yes — single Mastercard overlaying your cards. It supports Spends in multiple currencies via linked cards.
What is Curve best for?
Curve is best for consolidating multiple cards into one. 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.
Who is behind Curve and where is it based?
Curve launched in 2015 and is based in London, UK, regulated by FCA-authorised e-money institution.
Comments 9
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The best card invention! I combined my 5 bank cards into one Curve card. The 'Go Back in Time' feature lets me move transactions between cards. Brilliant!
Very convenient, and the foreign transaction fee savings are real. Sometimes payments get declined if your underlying bank card has safety limits.
I use Curve to add Apple Pay support to my old traditional bank cards that don't support it natively. It works flawlessly every single time.
The best card invention! I combined my 5 bank cards into one Curve card. The 'Go Back in Time' feature lets me move transactions between cards. Brilliant!
Extremely smart card. I love that I only have to carry one card in my physical wallet now. The app notification system is very fast.
The best card invention! I combined my 5 bank cards into one Curve card. The 'Go Back in Time' feature lets me move transactions between cards. Brilliant!
Extremely smart card. I love that I only have to carry one card in my physical wallet now. The app notification system is very fast.
The best card invention! I combined my 5 bank cards into one Curve card. The 'Go Back in Time' feature lets me move transactions between cards. Brilliant!
Great concept, but they have reduced the number of cards you can link on the free plan to only two. You have to pay a subscription for more.