Curve
All cards in one; go-back-in-time.
- Who holds it
- An e-money institution holds your balance in a safeguarding account — E-money institution (FCA UK, FRN 900926); EEA via Curve Europe UAB EMI (Bank of Lithuania).
- The ledger
- The e-money institution’s own ledger.
- If it fails
- Safeguarded funds are returned in administration — ring-fenced, but access can be frozen and slow.
Derived from Curve’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | London, UK |
| Founded | 2015 |
| Custody | Custodial |
| Regulation type | E-money institution |
| License detail | E-money institution (FCA UK, FRN 900926); EEA via Curve Europe UAB EMI (Bank of Lithuania) |
| Card | MC · Card aggregator |
| Cashback | 1% select |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Countries | United Kingdom, European Union |
| Founders | Shachar Bialick |
| Funding | ~$250M raised |
| FX markup | Interbank 0% up to £/€250/mo then 2.99%; +1.5% weekend/holiday surcharge (2026-07) · source ↗ |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @imaginecurve ↗
Common questions about Curve
What is Curve?
Curve is a fiat neobank, headquartered in London, UK and founded in 2015. Your money is held custodially, so Curve or its partner bank holds the balance and you hold a claim on it. It is regulated as an e-money institution (E-money institution (FCA UK, FRN 900926); EEA via Curve Europe UAB EMI (Bank of Lithuania)).
Does Curve have a card, and where can you use it?
It issues a Mastercard card aggregator. It is available in 2 countries, across Europe.
Does Curve require KYC?
Yes. Curve requires identity verification (KYC) to open an account, as a e-money institution.
What does Curve cost?
From the verified fields: FX abroad — Interbank 0% up to £/€250/mo then 2.99%; +1.5% weekend/holiday surcharge (as of 2026-07); cashback 1% select. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Curve before relying on them.
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
Curve appears in
Neobanks authorised as e-money institutions (48) · Neobanks available in Europe (144) · Neobanks that issue a Mastercard (150) · Neobanks in United Kingdom (29)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.