Curve connects all of your credit cards and debit cards into one single smart card and app.
Instead of a bulky wallet full of cards, you simply carry one Curve card with you wherever you go.
By adding all of your cards, you can spend from any account at any time using just one Curve card.
That means you can make specific purchases between multiple cards, so that you are always maximizing your rewards.
It also gives you access to your bank account funds at ATMs, which is especially useful when traveling.
Unfortunately, Curve only works with Visa and Mastercard cards, so you won’t be able to connect your American Express or Discover cards.
However, it is free to use Curve, as there are no subscription costs for the standard Curve Blue smart card and app.
To unlock additional features, you can upgrade to the Curve Black or Metal cards, which also come with subscription costs.
If you mainly use Visa and Mastercard cards, Curve can help you slim down your wallet and simplify your spending.
Curve is currently available to all 31 countries within the European Economic Area (EEA), but it is launching in the U.S.A. in 2020.
Curve U.S.A. Registration Waitlist
While Curve is not currently available for the U.S.A., you can Register for Curve U.S.A. now to get access when they launch in 2020.
After you register for the Curve U.S.A. waitlist, refer your friends to get bumped up 10 places in the queue for every friend that signs up.
How Curve Works
You can use Curve to spend from any of your debit and credit cards accounts using just one smart card and app.
To get started, add your Visa and Mastercard debit and credit cards to the Curve app.
Once you’ve added your cards in the Curve app, select which account you would like to use as your payment card.
That account will instantly become active as your payment card when you use your Curve smart card for a purchase.
To use a different payment card, you can switch your card accounts in the Curve app at any time.
Through the Curve app, you’ll have complete control over which payment card you use on each transaction.
However, if you happen to use the wrong payment card on a purchase, Curve even lets you go back in time and switch the payment card that you used.
There is no money stored in your Curve account, so you never put money on the Curve card itself.
Instead, when you use your Curve card in-store, online, or at ATMs, Curve instantly charges the payment card that you have selected in the app.
Because your purchases are being charged directly to your payment card, you will still earn your spending rewards.
On top of that, you’ll earn Curve Cash, which gives you 1% cash back from your choice of 100+ popular brands.
Through the Curve app, you can quickly see how much you spend on all of your accounts at a glance.
In addition to being a spending tool, you can use Curve Send in the app to send money between friends with just a tap.
Curve £5 Refer-A-Friend Bonuses
Participate in the Curve Refer-A-Friend Program to share £5 referral bonuses with your friends.
When current users refer new users, you will both receive £5 once you’ve both made your first transaction.
To refer people to Curve, you can access your referral code in the app: “Account” tab > “Profile” icon > “Share Curve and Get £5.”
Once you are there, just tap the “Invite Friends” button to share your unique Curve referral code.
If you are a new Curve customer, you can get a £5 sign-up bonus when you join Curve via a referral.
If you are a current Curve customer, you can get a £5 referral bonus for sharing Curve with friends.
To qualify, the new customer must open a Curve account and make a transaction with the Curve card for any amount within 7 days.
In addition, the current customer must also have completed at least 1 transaction on their Curve card.
Once the first transaction is completed, both parties will receive a £5 bonus credit.
£5 Referral Bonus Payouts
The £5 bonuses are paid out in the form of Curve Cash points on your Curve account.
Your Curve Cash points will be pending on your Curve Cash card until both parties have made their first transaction.
The new customer must make a transaction within 7 days of entering the referral code, or they won’t get the signup bonus (applies from June 22, 2020).
As soon as you’ve both spent with your Curve card, and the new customer has made a transaction within 7 days, the signup bonus will be available for you to spend on whatever you’d like.
To spend your £5, you just make a purchase using your Curve card, and the £5 will be credited to the purchase.
However, it’s worth noting that you can’t withdraw your Curve Cash points at an ATM.
If you are a current Curve customer, please feel free to share your experiences along with your Curve referral codes in the below comments, so that you can exchange £5 referral bonuses with other readers.