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.
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 monthRatings across platforms
★ 3.8 · 99K · 3Where Curve operates
18 marketsRating distribution
All platformsRating & review volume over time
Brand sentiment trend
positive sentiment, by platformApp screenshots
App StoreIn the media
brand coverageShachar 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,...
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...
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...
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...
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 & FacebookToday, it’s official - Curve is now part of Lloyds Banking Group! 🎉
What people are saying
mentions on X, Reddit & FacebookAbout 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.
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