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Neobank · 🇬🇧 United Kingdom

Curve

London, UK · curve.com

50.8Sentiment /100▼ 2.9

Curve is a smart card that consolidates all your bank cards into one Mastercard, with cashback, currency conversion, and 'Go Back in Time' spending features.

✦ Sentiment OverviewUpdated every month · Sep 15, 2026

Curve maintains middling customer sentiment at 3.8/5 across nearly 99k ratings, with steady review momentum masking a softening NeoBase index now at 50.8 (-2.9). Recent headlines pivot toward strategic wins - the Lloyds acquisition and Equifax partnership signal product expansion - yet media coverage remains neutral on fundamental business questions. The gap between positive deal announcements and underlying sentiment decline suggests market enthusiasm for partnerships hasn't yet translated into broad user confidence.

Sentiment index

our score · updated every month
50.8/100▼ -2.86 vs previous reading
025507510050.825 Jul1 Aug15 Aug15 Sep

Ratings across platforms

★ 3.8 · 99K · 3
Trustpilot
2.2★
13K ratings · 66% positive
Google Play
3.8★
64K ratings · 70% positive
1M+ installs
App Store
4.6★
22K ratings · 91% positive
Measured September 15, 2026

Where Curve operates

18 markets
United Kingdom Germany France Spain Italy Netherlands Poland Austria Sweden Denmark Norway Finland Ireland Belgium Portugal Lithuania Latvia Estonia

Rating distribution

All platforms
5★
66% · 65K
4★
8% · 8.1K
3★
4% · 3.6K
2★
3% · 2.7K
1★
20% · 20K

Rating & review volume over time

Trustpilot · 2.2★Google Play · 3.8★App Store · 4.6★Review volume · 99K · +0.83%
1★2★3★4★5★98KJul '26Aug '26Aug '26Sep '26

Brand sentiment trend

positive sentiment, by platform
Trustpilot · 66%Google Play · 70%App Store · 91%
93%78%63%Jul '26Aug '26Aug '26Sep '26

App screenshots

App Store
Curve app screenshot 1Curve app screenshot 2Curve app screenshot 3Curve app screenshot 4Curve app screenshot 5Curve app screenshot 6

In the media

brand coverage
ffnews.com

Shachar Bialick, Curve - What has changed, the company or the market?

ffnews.com · 2mo ago

Shachar Bialick , CEO and Founder of Curve , chats to Bobby Suman about the aims that Curve has set for itself - after such a quick rise to stardom,...

community.nasscom.in

The Hidden Cost Curve of Digital Banking: What Founders Get Wrong About Scale

community.nasscom.in · 3mo ago

Every digital banking founder builds their first financial model around the same optimistic curve: revenue per user climbs, cost per user...

www.ashurst.com

Ashurst advises Lloyds Banking Group on acquisition of fintech innovator Curve

www.ashurst.com · 3mo ago

Global law firm Ashurst has advised Lloyds Banking Group plc on its acquisition of the entire issued share capital of Curve, a London-based fintech company...

www.ashurstperkinscoie.com

Ashurst advises Lloyds Banking Group on acquisition of fintech innovator Curve

www.ashurstperkinscoie.com · 3mo ago

Ashurst advises Lloyds Banking Group on acquisition of fintech innovator Curve ... Global law firm Ashurst has advised Lloyds Banking Group plc on its acquisition...

ffnews.com

Curve and Equifax UK partner to deliver consumer credit solution to Curve Credit

ffnews.com · 3mo ago

Powered by Open Banking, Curve Credit allows consumers to 'Go Back in Time' and pay later via instalments on transactions made with their Curve...

Latest from social

LinkedIn & Facebook
CurveLinkedIn· 4mo ago · Jun 1, 2026

Today, it’s official - Curve is now part of Lloyds Banking Group! 🎉

♡ 177💬 23↻ 6

What people are saying

mentions on X, Reddit & Facebook

About Curve

Curve was founded in 2015 by Shachar Bialick. It offers a single Mastercard that can be linked to multiple existing debit and credit cards from any bank. Key features include 1% cashback, interbank exchange rates with no FX fees (within limits), and 'Go Back in Time' — the ability to switch which card paid for a transaction up to 30 days after purchase. Curve launched BNPL ('Curve Flex') in 2021.

Frequently asked questions

What is Curve and how does it work?

Curve is a Mastercard that sits on top of your existing bank cards. You load your debit/credit cards into the Curve app and pay with one physical or virtual Curve card. You then choose which underlying card gets charged.

Does Curve charge foreign transaction fees?

Curve offers fee-free spending at the Mastercard interbank rate up to £500/month (Curve Free plan). Above that, a 2% FX fee applies. Curve X and Black plans have higher or unlimited FX-free limits.

What is 'Go Back in Time'?

Go Back in Time lets you switch which card paid for a transaction up to 30 days after it happened. This is useful if you paid with the wrong card or want to move a purchase to a card with better rewards.

Does Curve replace my existing bank account?

No. Curve works alongside your existing accounts — it doesn't replace them. You must have at least one underlying bank card to use Curve.

Is Curve available outside the UK?

Curve is available in most EEA countries. It withdrew from the US market in 2022 to focus on European growth.

Compare Curve with similar neobanks

Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.

Spotted incorrect data on this page? Let us know.