Curve

Curve is a London-based fintech founded in 2015 that consolidates multiple bank cards into a single Curve Mastercard, allowing users to choose which underlying card is charged at the point of sale. The app provides spending insights, instant notifications, and a Go Back in Time feature that lets users move a past transaction to a different card. Curve offers free and premium subscription tiers with varying cashback rates, travel insurance, and fee-free foreign spending. The referral programme rewards existing users with £50 in Curve Cash for each successful referral, with new users receiving 30 days of 1% cashback and up to £10 as a welcome bonus. Referred users must order a physical card, make three purchases of £5 or more within seven days, and maintain any subscription for at least 40 days.