Curve Pay
- Custody
- Not applicable
- Network
- Mastercard
- Card types
- Virtual + physical
- Wallets
- Apple Pay, Google Pay
Shipping countries are not published.
Partly verified · 8 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
Curve Pay is a crypto card that comes as a virtual and a physical card. Payments run on the Mastercard network.
Funding and spending
It is funded with fiat money.
Fees
It has no physical card issuance fee. The annual fee is GBP 71.88 to GBP 179.90, depending on tier. The foreign currency fee is 1% to 2.99%, depending on tier. The ATM withdrawal fee is 2%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the monthly fee, crypto conversion spread and top-up fee yet.
Limits and rewards
You can withdraw cash at ATMs. It pays 1% back on card spend. It works with Apple Pay and Google Pay.
Signing up
You can apply in 31 countries. You cannot apply in India. Where the issuer states who can apply, you need to be a resident of the country.
How we check
We last checked this card on 15 Oct 2026, against 10 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | Curve Pay Pro | Curve Pay X | Curve Pay | Curve Pay Pro+ | X |
|---|---|---|---|---|---|
| Card issuance | Free | Free | Not verified | Free | Not verified |
| Annual fee | GBP 99.90 | GBP 71.88 | Not verified | GBP 179.90 | Not verified |
| Foreign currency (FX) | 1% | 1% | 2.99% | 1% | Not verified |
| ATM withdrawal | 2% | 2% | 2% | 2% | Not verified |
| Card replacement | Not verified | Not verified | GBP 5.99 | Not verified | Not verified |
| Account monthly fee | GBP 9.99 | GBP 5.99 | Free | GBP 17.99 | Not verified |
| Other fee | Free | 2.5% | 2.5% | Not verified | Not verified |
| Back on card spend | 1% | Not verified | Not verified | Not verified | 1% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of Curve Pay
Pros
- No card issuance fee
- 1% back on spending
- You can apply in 31 countries
- Works with Apple Pay and Google Pay
- Comes as a virtual and a physical card
Cons
- Annual fee: GBP 71.88 to GBP 179.90, depending on tier
- 4 of 12 key facts are not verified yet
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
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Limits
Rewards
Top-up assets and networks
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
- Curve Pay works with standard credit and debit card readers, and is accepted worldwide wherever Mastercard® is used.Checked 03 Oct 2026agingsource
- Curve is currently available to people over 18 years old that reside in the UK and all countries within the European Economic Area (EEA).Verified 22 Oct 2026source
No country matches your search.
No information for 5 countries yet
Frequently asked questions about Curve Pay
Is Curve Pay a virtual or a physical card?
Curve Pay comes as both a virtual and a physical card.
Can I withdraw cash from an ATM with Curve Pay?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is 2%.
Does Curve Pay work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Does Curve Pay have an annual fee?
Yes. The annual fee is GBP 71.88 to GBP 179.90, depending on tier. The conditions are listed in the fees table on this page.
What does Curve Pay charge on payments in a foreign currency?
The foreign currency fee is 1% to 2.99%, depending on tier. The conditions are listed in the fees table on this page.
Does Curve Pay pay cashback?
Yes. It pays 1% back on card spend.
In which countries can I apply for Curve Pay?
You can apply in 31 countries. You cannot apply in India.
Sources
- Rewards termsCashback rewardscurve.comChecked 15 Oct 2026
- Fees pageCurve premium planscurve.comChecked 15 Oct 2026
- Cardholder termsCurve rewards and cashcurve.com
- Cardholder termsLegalcurve.com
- Rewards termshelp.curve.com/en_gb/curve-cash-BJgZVSO3L_Checked 15 Oct 2026
- Fees pagePlanscurve.comChecked 15 Oct 2026
- Fees pageKiller fx HyquHdnUuhelp.curve.comChecked 15 Oct 2026
- Cardholder termswww.curve.com/en-gb/subscriptionsChecked 15 Oct 2026
- Supported countrieshelp.curve.com/en_us/what-is-curve-H1y1HdnIOChecked 15 Oct 2026
- Other official pagehelp.curve.com/en_gb/curve-pay-SJRY5GBXKChecked 15 Oct 2026
- Other official pageWalletcurve.comChecked 15 Oct 2026
- Supported countrieshelp.curve.com/en_us/what-is-curve-H1y1HdnIO.mdPage no longer available, checked 18 Oct 2026
- Other official pageYour curve spending limits ryS1H 2Ldhelp.curve.com