Curve Pay

4.8 9.6/10 DebitCue Score Verified Jun 20, 2026

One free card to rule all your cards

Fee: No fee
Foreign fee: None
Rewards: Cash back

Rewards

Access to single-use and always-active cashback offers (up to 5% from selected merchants, UK only). Cashback credited as Curve Cash Points.

Our verdict

What stands out, and where it falls short.

What we like

Access to single-use and always-active cashback offers (up to…
No card fee
No foreign transaction fees
Pay in installments

Who It Is For

Whether the Curve Pay fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending
People who pay big purchases off over time

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Foreign transaction fee: None
Monthly fee: £0
Fee-free FX limit: £250/month; 1% thereafter
Fee-free ATM abroad: None included

Rewards and features

Rewards: Access to single-use and always-active cashback offers (up to 5% from selected merchants, UK only). Cashback credited as Curve Cash Points.
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: 30 days (3 transactions)
Smart Rules: 1 rule maximum
Curve Fronted fee: 2.5% (use credit card where only debit accepted)

Benefits and perks

Extras that come bundled with the card.

Purchase protection up to £100,000

Curve's chargeback-backed consumer protection covers purchases up to £100,000 per transaction.
Fee-free FX up to £250/month

Spend abroad at interbank rates with no foreign transaction fee on up to £250 per month; 1% fee applies beyond the limit.

Eligibility

What you need before you apply.

Minimum age: 18
Residency: UK or EEA

Curve Pay: your questions answered

Does the Curve Pay have a card fee?

No - the Curve Pay has no card fee.

What rewards does the Curve Pay earn?

The Curve Pay earns Access to single-use and always-active cashback offers (up to 5% from selected merchants, UK only). Cashback credited as Curve Cash Points..

Does the Curve Pay charge foreign transaction fees?

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

Can I pay in installments with the Curve Pay?

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 a credit, debit or prepaid card?

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

Does the Curve Pay support Apple Pay and Google Pay?

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

Where can I get the Curve Pay?

The Curve Pay is currently offered in United Kingdom.

How does DebitCue rate the Curve Pay?

DebitCue rates the Curve Pay 4.8 out of 5 (9.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Curve Pay?

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