HomeChallenger BanksCurve Bank Review

Curve Bank Review

Curve, also known as Curve Card is an app-based service that enables you to use a single card to make payments from several cards. You can switch between what bank cards are actually making the payments.

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United Kingdom

About Curve Bank

The company launched in February 2016 and raised 9.9GBP million using Crowdcube. The funding was secured from 11,795 investors in just 54 hours. It is a safe platform because it’s regulated by the Financial Conduct Authority.

Can I use Curve for international transfers?

It’s not possible to send money internationally with the Curve card unless you send to other Curve customers. Using the Curve Send feature, you can transfer funds to other members. The functionality will go offline by Sept 6th 2021, and there are planning to return it.

To make international bank transfers, you will need to use alternatives like Western Union and Currencies Direct. They are low-fee and fast transfer methods that are already used by millions of customers.

How long do transfers take with Curve?

It’s not possible to make regular bank transfers with Curve, so the transfer rate is not applicable. However, when sending money using a 3rd party service, you can expect speeds of instant to 24 hours.

Are there transfer limits?

There are Curve spending limits that you can view on this page.

Can I use a Curve debit card when traveling abroad?

The Curve card is available for use oversees. On selected ATMs you will have free withdrawals and there is a 1% cashback from vendors such as and EasyJet. Also, you’ll receive real time alerts when spending your money in the local currency.

Curve Bank exchange rates and fees

Exchange rate: Curve makes use of the Interbank rate, which varies throughout the day. Therefore, you may notice that the exchange rate might be different in the morning and evening of the same day.

Transfer fees: there are no transfer fees when sending money between Curve customers. However, you cannot make regular bank transfers so a fee is not applicable.

Additional costs: there is a monthly subscription fee for the Curve Black and Curve Metal, 9.99EUR/month and 14.99EUR/month respectively. Also, UK ATM withdrawals charge 50p per transaction and 2% after withdrawing 200GBP per month.

How do Curve Bank transfer fees compare to using a money transfer provider?

Challenger banks like Curve usually have much bigger fees than a money transfer provider. The latter charges a small fixed price or fraction of a percentage of the transfer amount. Services like Wise and Skrill enable you to make savings, which is perfect for customers that handle many transactions per year.

Curve pros and cons

Here is a list of the Curve pros and cons to help you decide if the service is for you:


All-in-one: the convenience of combining all cards onto one platform is beneficial for organizing your finances.
No subscription: the base card does not require a monthly subscription fee.
Mobile app: the mobile app offers an excellent experience. Out of a possible 5 stars it has a rating of 4.4 on the Google Play store and 4.3 on the Apple store.
Perks: you get perks such as cashbacks and travel insurance with the premium cards.


No bank transfers: Curve has no functionality to send money internationally.
Curve send: the feature to send money to other Curve users will be suspended.
Fees: the ATM fees are high once you hit the monthly withdrawal limits.

Curve additional products

  • Cashback: you will receive cashback from big vendors such as EasyJet and

  • Choice of cards: you can choose from 3 cards based on your requirements.

  • Link to tools: you can use 3rd party tools such as accounting software to get the most out of Curve.

  • Airport lounge access: the Metal card users can access airport lounges around the world.


Curve is not a traditional challenger bank since you are not able to send or receive money internationally. The service offers a card that enables you to make purchases worldwide. Also, there is a generous reward program for a wide range of vendors.

To send and receive money you will need to use money transfer services. For example, TorFX and XE Money Transfer are excellent choices that combine fast transfer time with excellent currency exchange rates.

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Keith Hodges
Keith Hodges
Keith is a digital specialist with a background in the financial industry, both as a marketeer and a journalist. Keith joined in order to take the business to the next level and expand our offering in multiple international money transfer markets.