Curve
1 known investors
Curve offers a digital wallet app (Curve Pay) that consolidates a user's payment cards into one wallet, letting consumers switch the card used after a purchase, avoid foreign transaction fees, and stack cashback rewards on top of existing card benefits. The company serves over 6 million consumers and is regulated across the UK and EEA.
Also known as Curve Pay · Imagine Curve
Investors · 1
Company profile
researched Aug 2026Curve operates Curve Pay, a digital wallet that aggregates a user's existing payment cards into a single wallet used for online, in-store and overseas payments. Payments made through the wallet can be reassigned between the underlying cards after the fact, and the product layers foreign-exchange savings and cashback on top of the rewards already offered by the customer's own bank cards.
The wallet's feature set includes Go Back in Time, which allows a purchase to be moved from one card to another up to 120 days after the transaction; Anti-Embarrassment, which automatically falls back to a backup card if a payment is declined; Smart Rules, which route payments to a chosen card automatically; Curve Protect; a physical card and currency converter; and Curve Flex, covering balance transfers and instalment plans, alongside a PayPal integration. Curve Pay also powers wearable payment form factors such as smart watches and payment rings, including a Huawei collaboration. The company advertises 100% bank coverage, the ability to pay bills with a credit card, one-tap locking of all cards, and ATM withdrawals.
Business model
Curve provides a consumer payments wallet distributed through mobile app stores, with tiered plans offered alongside the free product and features such as cashback, foreign-exchange savings and instalment-based Flex products.
Consumer subscription plans are offered alongside the core wallet, with additional flexible payment products including balance transfers and instalment plans (Curve Flex).
Traction
The company states it serves over 6 million customers and processes billions in payments annually, and offers contactless cashback at hundreds of retailers including Booking.com, Sainsbury's and Netflix.
▸Full profile — market position, technology, go-to-market, geography
Market position
Positions Curve Pay as a wallet that sits above all of a user's cards, differentiating on savings rather than acting as a card issuer replacement.
Technology
Curve Pay routes transactions through a single wallet credential that sits over a user's existing payment cards, enabling post-purchase reallocation of transactions between cards, rules-based card selection, automatic fallback to a backup card on decline, currency conversion and tokenised payments on wearable devices.
Go-to-market
Direct-to-consumer distribution via the Apple App Store, Google Play, Samsung Galaxy Store and Huawei AppGallery, supported by retailer cashback partnerships and hardware/wearable tie-ins such as Huawei.
Consumers holding multiple bank and credit cards, including frequent travellers and cross-border online shoppers seeking to avoid foreign transaction fees and accumulate cashback.
Geography
Regulated across the United Kingdom and the European Economic Area, with a UK headquarters.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
▸Research sources · 1
primary sources listed
- Curveimaginecurve.com · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Curve do?
- Curve is a UK-based digital wallet that consolidates payment cards, enabling card switching after purchase, fee-free FX and cashback.
- Who are Curve's investors?
- Curve's investors include Samos Investments.