# Curve Pay — Wallet & Cashback — All Cards Payment by Phone Tap > Global wallet app consolidating cards, eliminating foreign fees, and offering cashback. (iPhone/iPad app by CURVE UK LIMITED.) - Source: https://appshunter.io/ios/app/curve-pay-wallet-and-cashback/id1049397112 (this page in markdown: same URL + `.md`) - Developer: [CURVE UK LIMITED](https://appshunter.io/developer/1049397111) - Category: Finance, Business - Price: Free - Rating: 4.51/5 from 3,826 App Store ratings · 362 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 426 MB - Languages: British English, French (France), German (Germany), Italian, Lithuanian, Norwegian Bokmål, European Spanish - Released: 2016-02-15 - Data updated: 2026-08-29 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/curve-pay-wallet-and-cashback/id1049397112/reviews.md ## What is Curve Pay? Meet Curve Pay – Your All-in-One Smart Wallet & Travel Payment App Say goodbye to wallet clutter and hello to smarter spending with Curve Pay. This powerful app lets you combine all your debit and credit cards into one sleek, easy-to-use travel card—perfect for life at home or on the go. Pay effortlessly with your phone anywhere in the world, using Curve Pay with no need for a physical card. Curve Pay helps you maximise cashback and rewards on every purchase while saving you money abroad with real exchange rates and zero hidden FX or ATM fees. Plus, you’ll unlock exclusive perks and offers from top brands just for using the app. Whether you’re shopping around the corner or exploring new countries, Curve Pay makes spending simpler, safer, and far more rewarding. Download Curve Pay today and take control of your payments! Select Your Plan Curve Pay (Free): Add unlimited cards (credit card, debit card) in one travel card and digital wallet. Make contactless payments. 2.99% foreign currency exchange rate fee applies for international travel. Curve Pay X: Add unlimited cards (including debit cards) in your smart wallet, use Curve Pay for tap to pay contactless payments, get free global ATM withdrawals up to £300/month & enjoy competitive currency exchange rates for travel worldwide & cashback. Curve Pay Pro: Link unlimited debit and credit card options to your smart wallet, use any payment app including wearable devices, earn 1% cashback at 6 exclusive retailers, get competitive currency exchange rates, and £500/month free global ATM withdrawals. Curve Pay Pro+: All premium features including the ability to load unlimited cards to your Curve Pay wallet, £1000/month free global ATM withdrawals, all payment app options, get 1% cashback rewards at 12 retailers, competitive FX rates, plus discounted worldwide airport LoungeKey access. Ideal for those who travel frequently, like nomads working remotely, expats and travelers in general. All Your Cards in One Smart Wallet Curve Pay connects your debit card, credit card, and PayPal account into one smart wallet for contactless payment. Your digital wallet enables tap to pay cardless transactions through Curve Pay for travel purchases worldwide. Link your digital wallet for multiple payment app options - perfect for contactless payment (pay by phone) while traveling. Safe Travels Your card numbers stay protected with Curve Pay's secure digital wallet when you travel abroad. When using our digital wallet and payment app, your transactions are always secure. Lock your contactless payment card instantly in the Curve Pay wallet if lost or compromised. Unique Features Go Back in TimeⓇ: Move payments between cards up to 120 days after purchase (limits based on subscription tier) Anti-embarrassment mode: Never experience declined payments with contactless payment options Smart Rules: Automate card choices Enhanced rewards: Get cashback instantly with cardless payments Lock/unlock your digital wallet instantly in the mobile banking Wallet Keep all your debit and credit card numbers hidden Track cashback rewards, currency exchange rates, and spending Seamless integration with Samsung Pay, GPay, and Garmin Pay Budget tracker and expense monitoring built-in for efficient financial management. You need to be 18 years or older to sign up. Terms and privacy policy apply at https://www.curve.com/en-gb/legal/. Free currency exchange subject to limits and weekend charges. Get competitive FX rates for travel. Cashback rewards with selected retailers. Limits and exclusions apply. See terms for details. ## Key features - Eliminate foreign transaction fees - Get mid-market exchange rates - Free ATM withdrawals - Consolidate all cards into one - Earn cashback on purchases - Instant card locking/unlocking - Support for mobile payments ## What do users think of Curve Pay? Overall sentiment: negative **Pros** - 🚀 Convenient all-in-one card - 💰 No foreign exchange fees - 📊 Helpful budgeting and spending insights - 🔒 Secure card management - 🛒 Cashback rewards **Cons** - ❌ Poor customer service and slow response times - 🔒 Account verification issues - 🤔 Unreliable card functionality - 🚫 Unexpected fees and charges - 🚧 Limited card acceptance **Commonly reported bugs** - App crashes and freezes - Transactions not properly recorded - Card verification failures - Incorrect card details displayed **Most requested features** - Apple Pay integration - Multi-language support - Higher spending and withdrawal limits - Ability to update card details - 24/7 customer support ## Recent user reviews (10 of 362) All indexed reviews: https://appshunter.io/ios/app/curve-pay-wallet-and-cashback/id1049397112/reviews.md ### 5/5 — Garmin must have ! *2026-08-15, version 5.53.0* After moving from an Apple Watch to a Garmin really missed Apple Pay, and the Garmin equivalent has very limited uk functionality. With Curve it works perfectly, accepts all main Uk cards 👍 ### 1/5 — No Longer Works *2026-08-15, version 5.53.0* Since selling out to Lloyds Bank, the Curve app, card and Support services isn’t working as it used to. What a shame. ### 1/5 — Bad customer service *2026-08-15, version 5.53.0* I have been using Curve for 3 years, it was all good until recently, my card stop working, contact customer support for over 3 weeks, no response at all. ### 5/5 — Why wouldn't you 🤷🏼‍♂️ *2026-08-12, version 5.53.0* Such a useful card and couple of times a year I have a nice meal out with my wife using the cash back rewards. Anti-embarrassment is a great feature that I think is possibly unique. They sold out to Lloyds and I got stiffed on my crowd funding investment, but I forgive that, on balance. ### 5/5 — Great service *2026-08-10, version 5.52.0* Thanks ### 5/5 — On point *2026-08-08, version 5.52.0* Been using for some time now, and could no longer live without it. Works perfectly with my astari ring ### 1/5 — Poor performance *2026-08-06, version 5.52.0* Really difficult to contact and struggling now to see its benefits given £19.99 taken each month . Shop around before committing here ### 5/5 — Easy and Helpful *2026-08-05, version 5.52.0* I really like using my Curve app. The rewards are clear and quick and I use them for treats. They do exceed what I pay for the service because I use the card in those places I shop most. ### 1/5 — Run by clowns *2026-08-03, version 5.51.0* Customer service is non existent ### 1/5 — Verification failed *2026-08-03, version 5.51.0* Verification failed. First time in my life anything life(66) this has happened to me. I have an excellent credit score. Unable to try again, message saying it’s a secret why failed! Clearly something has gone wrong but unable to fix. ## Frequently asked questions about Curve Pay ### What does the Curve app do? The Curve app acts as a global wallet, allowing you to consolidate all your debit and credit cards into a single physical card. It enables you to spend abroad without incurring foreign transaction fees, offers competitive exchange rates, and provides cashback rewards on your purchases. ### What are the key benefits of using Curve? Key benefits include avoiding bank fees on foreign transactions, saving up to 3% on purchases abroad, getting the mid-market exchange rate, free ATM withdrawals up to a certain limit, and earning cashback on spending. You can also manage all your cards from one place and secure them instantly via the app. ### Is Curve free to use? The app itself is free to download and use. While there might be different tiers or premium features available, the core functionality of consolidating cards, avoiding foreign fees, and earning cashback is accessible. Specific limits and terms apply to features like ATM withdrawals and cashback offers. ### What cards can I link to Curve? You can link Mastercard, Visa, and Diners Club international cards to your Curve Wallet. The app also supports integration with mobile payment platforms like Apple Pay, Google Pay, Samsung Pay, and Garmin Pay, allowing you to use your linked cards with your phone or smartwatch. ### How does Curve help with travel expenses? Curve is designed to simplify travel money by eliminating hidden fees, unexpected bank charges, and unfavorable exchange rates. You can use your existing home cards abroad with better rates and no extra charges, effectively saving money on every purchase and ATM withdrawal while traveling. ## Version history (last 5 releases) ### 5.55.0 — 2026-08-25 This release includes minor bug fixes, and we've laid down the foundations for cool upcoming features. ### 5.54.0 — 2026-08-17 This update includes important security improvements, performance enhancements, and bug fixes to help keep your experience safe and reliable. ### 5.53.0 — 2026-08-11 This update includes important security improvements, performance enhancements, and bug fixes to help keep your experience safe and reliable. ### 5.52.0 — 2026-08-05 This update includes important security improvements, performance enhancements, and bug fixes to help keep your experience safe and reliable. ### 5.51.0 — 2026-07-27 This update includes important security improvements, performance enhancements, and bug fixes to help keep your experience safe and reliable. ## Apps similar to Curve Pay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Apple Wallet](https://appshunter.io/ios/app/apple-wallet/id1160481993) | 4.8 (6,665,079) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [Skrill - Pay & Transfer Money](https://appshunter.io/ios/app/skrill-pay-and-transfer-money/id718248239) | 4.6 (24,157) | Free | Finance | | [Wallet - Daily Budget & Profit](https://appshunter.io/ios/app/wallet-daily-budget-and-profit/id1032467659) | 4.6 (5,864) | Free | Finance | | [Secure Card Manager & Wallet](https://appshunter.io/ios/app/secure-card-manager-and-wallet/id1405577445) | 4.5 (510) | Free | Finance | | [Revolut: Send, spend and save](https://appshunter.io/ios/app/revolut-send-spend-and-save/id932493382) | 4.7 (71,412) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*