Curve Pay X
Cash back
Curve Pay X
Curve - Mastercard - Prepaid card
4.4
4.4 out of 5
8.8/10
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Head-to-head
Curve Pay X vs Monzo Max
Compare Curve Pay X and Monzo Max side by side: fees, rewards, APR, and perks.
Last verified
Monzo Max
Cash back
Monzo Max
Monzo - Mastercard - Debit card
4.5
4.5 out of 5
9.0/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Curve Pay X | Monzo Max |
|---|---|---|
| Card fee | £5.99 GBP/mo (≈ $7) | £17 GBP/mo (≈ $21) |
| Purchase APR (from) | - | - |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 0% |
| 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. | All Perks-tier rewards plus: 3.25% AER on savings pots, Billsback (chance to have bills covered up to £150/month), and retailer cashback offers. Family insurance add-on available for £5/month. |
| 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) | - |
| No card fee | - | - |
| No foreign transaction fee | ||
| Welcome bonus | - | - |
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Curve Pay X if its checked rows above line up with how you spend most.
- Choose the Monzo Max if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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