Curve Reviews 12,696

Good idea when it works.
Unfortunately, I've had the card two months and spent 6 weeks of it blocked. It works a week, you spend four weeks blocked for some odd reason and waiting for a fix or a reply as to why. They then magically unblock you after the longest wait, with no explanation, only for you to get blocked again without notice or reason that same week.
And the cycle continues.

If I could link my wearable payment to a different platform I would. It’s all overly bureaucratic and long-winded, especially when you have a problem (of which I’ve had one too many) I’m waiting a LONG time again for my latest query to be addressed.
It seems like ambition over talent, as there are a bewildering number of features on the app, but none are particularly easy to use.
The BNPL facility has been unavailable for at least 6 months now, while they search for a new finance partner.
Really not a good, reliable, efficient service.

Giving 2 stars due to the fact the concept is good and when it works it's good. However far too often I have had to contact customer services and last time my card kept getting declined. Tried contacting customer services but they don't reply for days. In the end I cancelled my £10 a month subscription and cancelled the card altogether.

Curve closed my account with a current balance but I have tried multiple times to contact them to get my money back but have had no success.

They don't even respond

Never had a issue with this company. Used my card abroad multiple times again with no issues. Then I got a notification to verify my address, so I did just that via the app.
It said it had failed and locked my account.

I contacted customer service and they told me I couldn't have a account... I wasn't asking for one, I wanted access to the account I already hold. I sent proof over of the emails I was getting from them telling me to verify my address, sent them a picture of my card to show I hold a account.
Then nothing, complete silence from them!

I have been emailing since December and every single email ignored, but I continue to get emails about my address. Had 2 in 7 days. How are they allowed to get away with this, just closing someone's account and holding their money. It's theft! I will be looking at taking this further. Do not open a account with this company if you are thinking about it.

The ring is brilliant using it all the time now

My account has been frozen for 20 DAYS (since Feb 15th) and the support is non-existent.
​I provided my French ID 3 weeks ago. I explained my trip to Miami and confirmed I am back in France, but Curve is holding my account hostage with zero explanation. Out of desperation after 15 days of silence, I tried to recreate my account to reset the KYC process, which has now led to a total technical deadlock.
​Despite multiple formal complaints, I only get automated 'be patient' replies. 20 days is not a security check, it is professional negligence.
​I have already contacted the Financial Ombudsman Service and the ACPR (France) to report this unlawful withholding of my account access.DO NOT reply to this review with a template. Search for my account: en*********@gmail.com and unblock it TODAY.

I’ve been using Curve for a while now and it has genuinely simplified the way I manage and use my cards. Having multiple cards in one place and being able to switch between them easily is incredibly convenient. The app is clean, easy to use, and features like Go Back in Time and spending notifications make it much easier to stay on top of my finances.

One thing I particularly like is how flexible Curve is with contactless payments. I’ve paired it with my Orukka payment ring and bracelet, which means I can literally tap and pay anywhere without even taking out my wallet or phone. Whether I’m heading into the gym, grabbing a coffee, or paying at a restaurant, it just works instantly. It feels like the future of payments.

Overall, Curve has made everyday payments faster, simpler, and more flexible for me.

Combining it with wearable payment devices like Orukka makes the experience even better. Highly recommended for anyone who wants a smarter and more convenient way to pay. Orukka

What has gone wrong? Closed my account with no warning with my money in it and I cannot speak to anyone to get it back.

I've been a Metal Curve Customer for four years and as a product it works wonderful. However one of the biggest downside of Curve is their customer service and support, it's one of the worst out there in the financial industry.

My card has stopped working since the 28th of February 2026, on tap, pin or online transactions and I've emailed and contacted via the app five different occasions and still no response apart from thanks for your message we will be in touch!!

My card is used to pay suppliers via CURVE because they don't accept credit cards, which is what the card is meant to be used for, however Curve are not responding 96 hours later having chased them every day for four days in a row.

I would like verbal Communications like it used to be so now I don't rate it at all cuz I can't get verbal Communications

the way things have changed I'm looking of discontinuing the card

My experience with Curve has been deeply frustrating. After waiting months for a response to my application, I was met with a generic rejection. When I tried to engage with them to understand what went wrong or even just to offer valid documentation to correct a potential error - I was met with a wall of "security policy" excuses.

The way they handle this is absurd. They treat a standard account application request like they are protecting state secrets or nuclear codes. There is zero nuance, zero human review, and absolutely no willingness to actually help a prospective customer solve a problem.

When you ask for a simple reset or a pathway to resolve a potential data mismatch, you are told it’s impossible because their "systems" don't allow it. It’s a "computer says no" culture that lacks any customer-friendly service or basic accountability. They would rather permanently block a potential customer than take five minutes to have a human glance at a document.

If you value a service that is transparent, responsive, or willing to work with you when a technicality goes wrong, look elsewhere. Curve’s support process is intentionally designed to be a dead-end, and they seem perfectly comfortable leaving users in the dark.

I just joined and paid £179.90 for the Pro+ plan. In the process of adding cards the card got blocked without even having started using it. Zero customer support. Why Lloyds Bank are buying this company is bizarre

Blocked card and no help 5 days later - doesn’t feel like a premium service.

As an update I managed to get them to cancel my account - they didn’t once ask what they could do to stop me leaving. SOMETHING ISN'T RIGHT WITH CURVE, BEWARE!!!

Used to be good when it was Samsung Pay+, but now it is terrible. They charged me a month's subscription and immediately blocked my account when I tried to make a large (valid) payment for a holiday. After several emails and contact with support, they still haven't unblocked my account after 1 month. My other card providers didn't have any issues with the transactions I made. Watch out! Make sure you have a backup payment method as you can't rely on them when travelling!

Good in the beginning but now is a nightmare. This has been the worst experience I've ever had. I’m in holidays and when I arrived at the hotel to pay, and they blocked my card and suspended my account. Customer service never showed up; they just sent me an email saying my request had been passed on to the relevant department. The worst part is that they've left me stranded in another country, unable to pay or use a card I pay £5.99 a month for. What for? The worst service ever. My account is now closed. Always carry an alternative payment method for any eventuality.

Most of the time payments are getting declined, especially using card.

Customer Service won't listen to you and have zero care.

They shouldn’t be allowed to be a bank or named as anything financial.

The worst company ever, they take days if not weeks to reply to their customer service messages because you cannot contact them any other way. When you eventually get past a bot you get through to a human who does not listen to you, ignores your comments on complaints and then says please confirm if you want us to do something - so it was NOT confirmed and they did it anyway and then said sorry nothing we can do now we’ve removed that access off your account and you’re never allowed it again! Apparently once you cancel flex (even though I never approved cancellation), you’re never ever allowed to have that service again, goodness know what that means to my credit score now! They don’t care about their customers full stop, even when you pay them money to have an account with them.

Does exactly as I need it to do. Only use for NFC payments. Excellent for this use.