Curve review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Curve suits travellers and anyone spending across several currencies who wants a card without a monthly charge. It costs £0 a month, charges 0% for currency conversion and holds 200 currencies, so everyday spending abroad stays cheap.
Key facts
- Best for
- A fee free travel card with no currency conversion charge.
- Monthly fee
- £0↗
- Licence type
- E money↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0%↗
- Currencies
- 200↗
- Free ATM withdrawals
- £300 to £1,000↗
- Legal entity
- Curve Europe, UAB↗
- Headquarters
- Lithuania↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Travelers
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals
- Official website
- curve.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataXinstagram.com
Pros and cons
Pros
- No monthly charge: fees run £0 a month.
- Currency conversion costs 0%, and it handles 200 currencies.
- ATM withdrawals come under free atm.
- Money sits under EU DGS up to EUR 100,000.
Cons
- Currency conversion is not covered everywhere, since it runs 0% while rivals in this group sit at €0 on the monthly charge but vary on conversion.
- Local account details in the multi-currency group are limited to what the plan gives, since only e money entities appear among the compared brands.
- Fee free months depend on the plan chosen, as no monthly fee and low fx covers only the plans the brand lists.
Who it suits
- Travellers who spend in several currencies, the audience the brand lists as travelers.
- People who want free cash withdrawals, covered by free atm.
- Customers comfortable with an e money institution rather than a bank.
Who should look elsewhere
- Anyone wanting a bank licence, since the licence type is e money and XTB or Skrill suit those comparing differently.
Who runs it
Curve is operated by Curve Europe, UAB, registered in Lithuania and authorised as an e money institution. The Bank of Lithuania appears under 73, and the Financial Conduct Authority under 900926. Its Lithuanian permission is listed as PSD_EMI 305626541. Customer contact runs through email, chat and phone, so phone and written help are both offered.
How Curve compares
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 9.0Its monthly fee is €0, so it fits readers who want a wallet rather than a card.
9.3 vs 8.7
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.9
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.1- 9.3 vs 8.1
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 9.1
Where Curve is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
- Licence in Lithuania
- Bank of Lithuania (73), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (900926), checked September 26, 2026
- Licence in Lithuania
- LT_BL (PSD_EMI 305626541), checked September 26, 2026, also valid in Iceland, Liechtenstein, Lithuania, Norway
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Curve cost to keep?+
The monthly fee is £0, so the account carries no standing charge. Currency conversion is listed at 0%, which is the number that matters most for spending abroad. The brand groups these plans under no monthly fee and low fx.
How many currencies can I hold?+
Curve covers 200 currencies, far above the 5 median across the brands on this site. It ranks 4 of 379 on currency count. That reach is why the card suits frequent travellers.
Is my money protected?+
Balances are covered by EU DGS up to EUR 100,000, the EU deposit guarantee scheme. The account runs on an e money licence, so the protection comes from that scheme rather than a bank guarantee. Amounts above the limit would fall outside it.
Who regulates Curve?+
The licence details list the Bank of Lithuania under 73 and the Financial Conduct Authority under 900926. The registered entity is Curve Europe, UAB, based in Lithuania. Licence reference PSD_EMI 305626541 covers the Lithuanian permission.
What support can I reach?+
Support runs on email, chat and phone, so help is available by phone as well as written channels. On the wider site, 79.5% of brands offer phone support and 86.1% run a help centre. Curve sits among the brands that offer both.
Can I take out cash without a charge?+
Free ATM withdrawals are listed under free atm, and the cash withdrawal allowance is £300 to £1,000. On this site, 52.9% of brands offer the same feature. That allowance is the practical limit on free cash.
How does it rank on price?+
Curve ranks 1 of 500 brands on monthly fee, and 1 of 312 on currency conversion. Against the site medians of €0 and 0.5%, it sits at the cheap end of both.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licence type, Licences
“EntityCode=305626541; EntityType=PSD_EMI; ENT_NAM=Curve Europe, UAB”
- curve.com/legal/1-cashback-referral-offer-terms checked September 26, 2026
Backs: Deposit protection
- curve.com/legal/terms checked September 26, 2026
Backs: Support channels
“just drop our friendly customer support team a line at support@imaginecurve.com or get in touch via the Curve Wallet ... by calling +44(0)2033222585 (this line is open for messages 24/7) ... We also...”
- curve.com/plans checked September 26, 2026
Backs: Free ATM withdrawals, Features, Pricing model, Monthly fee
“Foreign ATM withdrawals fee-free up to GBP 300 (Curve Pay X), GBP 500 (Curve Pay Pro), GBP 1000 (Curve Pay Pro+)”
- curve.com/travel-card/currency-converter checked September 26, 2026
Backs: Audience, Currencies, Currency conversion fee
“Simply pay in the local currency, and Curve handles everything behind the scenes”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.