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 Starling Personal Account Debit Card
Compare Curve Pay X and Starling Personal Account Debit Card side by side: fees, rewards, APR, and perks.
Last verified
Starling Personal Account Debit Card
No rewards
Starling Personal Account Debit Card
Starling Bank - Mastercard - Debit card
4.3
4.3 out of 5
8.6/10
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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 | Starling Personal Account Debit Card |
|---|---|---|
| Card fee | £5.99 GBP/mo (≈ $7) | No fee |
| 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. | No cashback or points programme. No interest currently paid on current account balance (removed February 2025). The Tail app integration provides selective merchant cashback but is a third-party add-on, not a native Starling reward. |
| 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 Starling Personal Account Debit Card 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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