Prepaid card

Curve Pay X

Cash back

MASTERCARD

Apply for Curve Pay X

On Curve's secure site

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Prepaid card Curve Mastercard

Card review

Curve Pay X

4.4 8.8/10 DebitCue Score Verified Jun 20, 2026

More FX freedom and cashback for occasional travellers

Fee: £5.99 GBP/mo (≈ $7)
Foreign fee: None
Rewards: Cash back

Rewards

1% cashback on all spending outside GBP and EUR zones. Up to 10% cashback offers from selected merchants (UK only). Rewards issued as Curve Cash Points, expiring 6 months after accrual.

Our verdict

What stands out, and where it falls short.

What we like

1% cashback on all spending outside GBP and EUR…
No foreign transaction fees
Pay in installments

Worth weighing

£5.99 GBP/mo (≈ $7) card fee

Who It Is For

Whether the Curve Pay X fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the £5.99 GBP/mo (≈ $7) fee

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: £5.99 GBP/mo (≈ $7)
Foreign transaction fee: None
Monthly fee: £5.99
Fee-free FX limit: £3,333/month; 1% thereafter
Fee-free ATM abroad: £300/month; 1% thereafter

Rewards and features

Rewards: 1% cashback on all spending outside GBP and EUR zones. Up to 10% cashback offers from selected merchants (UK only). Rewards issued as Curve Cash Points, expiring 6 months after accrual.
Installments: Curve Flex available: convert past purchases into 3–12 month instalment plans at a fixed rate (approx. 14.18% APR, subject to affordability check)
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Go Back in Time window: 60 days (3 transactions)
Smart Rules: Up to 5 rules
Curve Fronted fee: 2.5%

Benefits and perks

Extras that come bundled with the card.

Fee-free FX up to £3,333/month

Spend abroad at interbank rates with no foreign transaction fee on up to £3,333 per month; 1% fee beyond.
Purchase protection up to £100,000

Curve's chargeback-backed consumer protection covers purchases up to £100,000 per transaction.

Eligibility

What you need before you apply.

Minimum age: 18
Residency: UK or EEA

Curve Pay X: your questions answered

How much does the Curve Pay X cost?

The Curve Pay X costs £5.99 GBP/mo (≈ $7).

What rewards does the Curve Pay X earn?

The Curve Pay X earns 1% cashback on all spending outside GBP and EUR zones. Up to 10% cashback offers from selected merchants (UK only). Rewards issued as Curve Cash Points, expiring 6 months after accrual..

Does the Curve Pay X charge foreign transaction fees?

No - the Curve Pay X has no foreign transaction fees, so it suits spending abroad.

Can I pay in installments with the Curve Pay X?

Yes - Curve Flex available: convert past purchases into 3–12 month instalment plans at a fixed rate (approx. 14.18% APR, subject to affordability check).

Is the Curve Pay X a credit, debit or prepaid card?

The Curve Pay X is a prepaid card issued by Curve on the Mastercard network.

Does the Curve Pay X support Apple Pay and Google Pay?

Yes - the Curve Pay X works with both Apple Pay and Google Pay.

Where can I get the Curve Pay X?

The Curve Pay X is currently offered in United Kingdom.

How does DebitCue rate the Curve Pay X?

DebitCue rates the Curve Pay X 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Curve Pay X?

Use the Apply now button to continue on Curve's secure site. Comparing and applying through DebitCue is free.