The Curve app aims to simplify the financial life of users by connecting all their cards into one app that’s linked to the Smart Curve Card. It’s available on both Android and IOS. The app is feature-packed with instant notifications for every time you use the card. It also gives users powerful insights related to your spending habits.
Curve launched its BETA in 2016 with two tiers, Curve Blue and Curve Back the latter costing a one-off £50 which offered double cashback in curve rewards. Since then, Curve has moved to a subscription model at the start of 2019.
The tiers available for new customers for 2019 are Curve Blue, Curve Back and Curve Metal, the last two being subscriptions. Curve Blue is essentially the same as the old one, practically unchanged since launch. Curve Black is now a subscription which costs £9.99 a month and includes Worldwide Travel Insurance and Gadget Insurance. Finally, Curve Metal £14.99 a month which has all the same offers as Black with 18g Metal card and increased ATM and cashback for retailers, see a detailed diagram below. Moving through the tiers the ATM Limit increases by £200 per tier making the Metal tier’s a free allowance of £600/Month.
Curve launched its beta in 2016, and I’ve been using this ever since. It’s an amazing solution for people who have several cards for all kinds of reasons. Whether it’s for business or personal, purchasing using Curve is super simple with instant notifications when you make purchases and switching between cards is a breeze.
A feature which initially made me sign up was the ability to use my credit card abroad allowing me to enjoy low foreign exchange fees, ability to withdraw cash without my credit card company knowing if I used an ATM. However, the latter is no longer an option when Curve changed how they process transactions and including additional transaction details sent to the card issuer. This means that if you withdraw cash and your credit card as the underlying payment card, will mean you may incur a charge from your credit card provider.
But my favourite feature by far is the go back in time, allowing me to change the initial underlying payment card within 14 days of the transaction. This is useful so you don’t have to change payment before you use the card. This has some limitations and only works for payments under £1,000.