Curve Pay
Proxy card: all your cards in one — with a Go Back in Time feature and Apple/Google Pay integration.
Score: 7.2 / 10 · Good
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?
Our take: Card bundling. Its strengths lie in 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.
How the score is calculated
Overall score: 7.2 / 10 · Good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 2.5 / 10 |
| Cash worldwide (14 %) | 5.0 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 7.7 / 10 |
Highlights
- Bundle all your cards into one
- €0 monthly base fee
- Go Back in Time — reassign payments afterwards
- 0% FX surcharge up to €250/month
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Mastercard |
| Issuer | Curve |
Cashback: 1% cashback only for the first 30 days (Free plan); afterwards only variable Rewards
There is no annual fee. Outside the euro area a 2.99 % foreign currency fee applies. A fee of 2 % (min. €2) applies to cash worldwide. Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Debit Credit Cards · Mastercard Credit Cards Compared · Credit Cards Without SCHUFA Compared
Related guides: What is SCHUFA? Germany's credit score guide · Types of credit cards in Germany explained · Virtual credit cards, Apple Pay & Google Pay
Similar credit cards
- Trade Republic Card – Debit card for the Trade Republic account with 1% Saveback into your savings plan.
- C24 Smart Debit Card – Free debit card with the C24 Smart account and fee-free payments worldwide.
- DKB Visa Debit Card – Popular debit card with the DKB account — free for active customers.
- Klarna Card – Free Visa debit card with no foreign currency fee, ideal for online shopping.
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.
- Is the Curve Pay available without SCHUFA?
- Yes, the Curve Pay can generally be obtained without a classic SCHUFA credit check or without a negative SCHUFA record. The provider's terms always apply.
- How is money on the Curve Pay protected?
- NO statutory deposit guarantee. Curve is an e-money institution. Customer funds are safeguarded (segregated accounts), not covered by a DGS.