I’ve been using Curve since 2020. Here’s my honest take on what’s changed, what’s still great, and whether you should bother in 2026.
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The Short Answer
It depends on which tier you pick:
- Free: Very limited (only 2 cards, 3 Go Back in Time a month)
- Pro (£9.99/mo): Worth it if you travel abroad
- Metal (£14.99/mo): Premium perks plus travel insurance
BEST REASON: Double Cashback!
This is the game-changer most people don’t know about.
Curve stacks on TOP of your existing card’s cashback.
Already have a cashback credit card? Use it through Curve and you get:
- Your card’s cashback
- PLUS Curve’s cashback
That’s double dipping. If your card gives 1% and Curve gives 1%, you’re getting 2% total on every purchase.
Examples from my Curve app just this week:
- Argos: 3.5% cashback (on top of whatever your card gives)
- Wilko: 3% cashback
- Thousands of other retailers
This alone can be worth £10 to £50+ per month depending on your spending.
What Actually Made Me Keep Curve
1. Go Back in Time Saved Me £30
Last month, I bought £200 of groceries on my debit card without realising I’d hit my overdraft. Instead of paying £30+ fees, I switched it to my credit card via Curve. Done.
This feature alone has saved me hundreds over the years.
2. Fee-Free Foreign Spending
My bank charges 3% abroad. Curve? Zero (on Pro/Metal). If you travel once a year, the £9.99 per month pays for itself.
The Drawbacks
- Free tier is very limited now (only 2 cards)
- Trustpilot rating is rough: 2.6/5, mainly KYC and support issues
- No Amex support
- Lloyds acquisition: uncertain what happens next
Verdict
If you have a cashback card, Curve is a no-brainer. You’re literally throwing money away otherwise.
Even without cashback cards, the travel and overdraft features are still useful.
Start with free, upgrade if needed.
Other Ways to Earn Free Money
Join Curve with my link (£5 bonus)
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There are plenty of other ways to boost your income alongside this method. If you want to explore more options, check out our UK beermoney megalist which covers over £1,450 in available offers right now. Every little helps — and most of these take less than 20 minutes to set up.