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Curve, what it is and how it works

It is possible that we have heard the existence of many financial services that we can have through our mobile, Curve is one of the most recent and somewhat unknown in Spain. Not for being more unknown ceases to be interesting, so let's see what Curve is and how this service works.

The world of finance has evolved a lot hand in hand with that of technology, since We can make mobile payments through our smart watch, mobile and even have a checking account on the other side of the world without having to travel to that country.

Most users have several cards to which we give them a different use, one to make the purchase, add gas or drink something, another to make purchases online. In the end we find that we have multiple cards, and it is possible that each card belongs to a different bank.

Image - Curve, what it is and how it works

Curve is the attempt of the Unification of all our cards in just one. It is not a bank, but a physical card that can be several cards at once. Like Revolut or Bnext, it works through an app which is essential for the control and operation of the service.

As with Bnext or Revolut, once we have registered in Curve, the next step is Receive our physical Curve card. We can wait until it arrives or, on the contrary, add the different cards that we have to the app and thus not have to do it when we receive it.

In the Curve app we will add the different cards that we already have either debit or credit. When we have added them, since Curve's main advantage is precisely to be able to use multiple cards from the same app, we will not have the need to carry the card we are using physically.

How do I pay if I don't have the card physically?

Thanks to the Curve card, we select that card in the Curve app and the physical card that we receive in our house that does not have any cost has no credit, but what we do through it is that the charges be transferred to the other immediately.

Although from the Curve app we can choose the card with which we want to pay at all times, always we recommend having the Curve card and an additional In case the service fails. It does it from time to time in some places like tolls, in which more conflicts exist with prepaid cards, among others.

The app as a control center

Image - Curve, what it is and how it works

As we have said before, the app in Curve is essential but, regardless of which it is through which we add the different cards, we can visualize the different expenses we have made with each of them, a balance of expenses, block them if they have been stolen or even see the PIN.

Through the app, we can also send and receive money among other users who use the service. Curve, as in some fintech, has the possibility of enjoying some advantages in certain services such as insurance, loans, accounts

Advantages of Curve

Image - Curve, what it is and how it works

Throughout the article we have seen many of the advantages you have, but we see them in depth:

  1. Benefits: They return us in 1% of our purchases in the form of Curve cash (Curve currency which we can exchange for subscriptions of Netflix, Spotify, among others). This cash back "will only be returned to us in some stores called Top retailers.
  2. Send and receive money: It can be done between friends and in multiple currencies without any commission.
  3. Management: There is the possibility of knowing the PIN of our cards and blocking them so that a charge cannot be made when they are blocked.
  4. Charges: In the charges we can add the invoice of the site through a photo or a description, both being compatible at the same time.
  5. Technology: The Curve card has NFC or contactless.
  6. Notifications: There are real-time notifications of charges.

Disadvantages of Curve

Curve is a really striking service and that can be very practical, but like most services it is not perfect and It has several disadvantages We must assess whether they affect us more or less when making the use of the card.

  1. There are some establishments in which it fails to try to pay, not always the POSs are able to make charges on these cards, although generally there should be no major problem in most situations.
  2. It is not compatible with Google Pay, Apple Pay or Samsung Pay.
  3. App totally in English.
  4. Some users experience problems when withdrawing money from ATMs, depending on the bank if it detects it as a debit or not.
  5. It has payment plans.

Payment plans vs free version, differences

Curve, like Revolut or N26, has payment cards, that is, we must pay a monthly payment almost always in pounds because Curve is an English service born in 2015 but it is totally usable in Spain. We detail all the plans below:

Curve Blue, the free version

Image - Curve, what it is and how it works

The free Curve card is called Curve Blue, in it we will find the following advantages:

  1. All your cards in one.
  2. Curve Card
  3. Mastercard and Visa support.
  4. Curve Cash: We return 1% of our purchases in three stores for 90 days.
  5. Possibility to get up to 200 pounds at ATMs per month free.
  6. Return guarantee up to 100,000 pounds.

Curve Black from 9.99 pounds / month

Image - Curve, what it is and how it works

The intermediate version is called Black curve and has a cost of 9.99 pounds per month. These are the main features of this card:

  1. All your cards in one.
  2. Curve Card
  3. Mastercard and Visa support.
  4. Curve Cash: We return 1% of our purchases in three stores Unlimited access for Forex trading.
  5. Possibility to get up to 400 pounds in ATMs per month free.
  6. Return guarantee up to 100,000 pounds.
  7. Travel insurance worldwide and electronic devices.

Curve metal, for £ 14.99 per month

Image - Curve, what it is and how it works

The version metal, which receives this name because the card that Curve sends us in this case, is built on this material and has a cost of £ 14.99 per month. The highlight of the Curve metal card is the following:

  1. All your cards in one.
  2. Curve Card
  3. Mastercard and Visa support.
  4. Curve card made of metal available in three colors.
  5. Curve Cash: We return 1% of our purchases in six stores Unlimited access for Forex trading.
  6. Possibility to get up to 600 pounds in ATMs per month free.
  7. Return guarantee up to 100,000 pounds.
  8. Travel insurance worldwide, of electronic devices and for car rental in case of collision.
  9. Access to the Lounge area of ​​all airports in the world.

As we see, Each card has its advantages, but you should value each one if they are good enough for the cost of the monthly payment that each corresponds. Almost all of them share services, although in some cases they are more or less complete.

Although the currency is in pounds, it is not a problem since, for the moment, the United Kingdom is within the European Union and on the website of the company itself indicates that there is no problem to use the Curve card in countries like Spain, France, Italy, etc.

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What do you think about Curve? Do you find it useful?

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