About
Curve is a card-aggregation wallet: users link their existing debit and credit cards to the Curve app, and each purchase made with the Curve card or Curve Pay is passed through to whichever underlying card they choose. Its distinguishing feature, Go Back in Time, lets users move a past purchase to a different linked card for up to 120 days, and Smart Rules can pick the card automatically per merchant. It is run by Curve UK Limited, regulated by the FCA (FRN 900926), with Curve Europe UAB licensed by the Bank of Lithuania for the EEA. Founded in 2015, Curve reported over 6 million customers when Lloyds Banking Group agreed to buy it in November 2025; the deal completed in May 2026.
Card-consolidation layer routing to the user's underlying cards; its volume overlaps with Visa/Mastercard rather than adding to it.
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