Curve Pay

Proxy card: all your cards in one — with a Go Back in Time feature and Apple/Google Pay integration.

Rating: 7.4 / 10 · 980 reviews

Best for: Card bundling

Overview

The Curve Pay is a debit card from Curve on the Mastercard network. Proxy card: all your cards in one — with a Go Back in Time feature and Apple/Google Pay integration. It comes with no annual fee on a permanent basis. A surcharge of 2.99 % applies to payments in foreign currency.

Who is it for?

The card is particularly suited to card bundling. Its strengths lie in cashback (1 %) and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a debit card, transactions are debited directly from your account.

Highlights

• Bundle all your cards into one
• €0 monthly base fee
• Go Back in Time — reassign payments afterwards
• 1% cashback at selected retailers

Costs & Fees

There is no annual fee. Outside the euro area a 2.99 % foreign currency fee applies.

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This card in our comparisons: Free Credit Cards · Miles & Cashback Credit Cards · Debit Credit Cards

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• Wise Debitkarte – Multi-currency debit card with a fair exchange rate — ideal for travel and foreign payments.
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• ING Visa Card – Solid Visa debit card with the free ING checking account and a German IBAN.
• C24 Smart Debitkarte – Free debit card with the C24 Smart account and fee-free payments worldwide.

Frequently asked questions

What does the Curve Pay cost per year?

The Curve Pay has no annual fee on a permanent basis — there are no fixed yearly costs.

Does the Curve Pay charge foreign currency fees?

Yes. Outside the euro area the Curve Pay charges a 2.99 % foreign currency fee.

Is the Curve Pay a genuine credit card?

The Curve Pay is a debit card — transactions are debited directly from your account.