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 sits in cautious middle ground: a 3.6/5 customer rating reflects mixed experience, while media sentiment remains constructively positive around its Lloyds acquisition and credit product launches. However, the NeoBase index dropped 10 points week-over-week to 62/100, signalling momentum loss despite headline wins. The divergence suggests institutional validation (banking partnerships, acquisition) hasn't yet translated into broader user satisfaction or confidence.
Sentiment index
our score · updated weeklyWhere Curve operates
18 marketsRatings across platforms
★ 3.6 avg · 98K ratings · 3 platformsRating distribution
All platformsCompany responsiveness
In the media
brand coverageThe Hidden Cost Curve of Digital Banking: What Founders Get Wrong About Scale
community.nasscom.in · 4d 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 · 1w 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...
Curve and Equifax UK partner to deliver consumer credit solution to Curve Credit
ffnews.com · 3w 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...
Fintech startup Curve launches its connected card app
www.digitaljournal.com · 1mo ago
Fintech startup Curve launches its connected card app ... Curve aims to “simplify your financial life” by removing the need to carry multiple physical cards. Once...
Lloyds targets FinTech expansion with Curve Europe acquisition
ibsintelligence.com · 3mo ago
Share ... Lloyds Banking Group is set to acquire Curve Europe, following approval from the Bank of Lithuania, in a move that highlights growing...
Latest from social
LinkedIn & FacebookToday, it’s official - Curve is now part of Lloyds Banking Group! 🎉
What people are saying
SampleMixed feelings on Curve lately — love the product, but the latest update changed a flow I relied on.
Curve's customer service left me hanging on a frozen account. Not a great look.
Switched to Curve and honestly not looking back. The fee transparency alone is worth it.
Switched to Curve and honestly not looking back. The fee transparency alone is worth it.
Great thread on how Curve is rethinking cross-border payments. Worth a read for anyone in fintech.
Company
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.
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.