A European replacement for Wallet: Curve (www.curve.com)

submitted 1 month ago* (last edited 1 month ago) by [email protected] to c/[email protected]

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Location: United Kingdom, Ireland Note that the app isn't OS.

Curve is a Google wallet replacement app that consolidates multiple bank cards into a single smart card and digital wallet, making it easier to manage your finances. Here are some key points:

PRO:

Curve allows you to link multiple debit and credit cards to one Curve card, simplifying your wallet and making it easier to switch between accounts.
The app claim to offer robust security features, including instant card freezing, transaction notifications, and the ability to set spending limits.
Curve provides cashback and rewards on purchases, which can add up over time and provide extra value.
The app is intuitive and easy to navigate, with clear transaction histories and spending insights.
Go Back in Time: A unique feature that lets you switch the card used for a transaction after the purchase, providing flexibility and control.

CONS:

While the basic version is free, some premium features come with a subscription fee.
Curve is not available in all countries, however, should be available in all EU and the UK.
Isn't an Open Source app and very likely they will sell your transactions history to other company (like google)

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[-] [email protected] 8 points 1 month ago* (last edited 1 month ago)

There are two (really) good things about Curve:

no forex for your first 250€
fallback cards if the selected card declines the transaction

Otherwise, would not recommend

Edit: here https://feddit.it/post/17220902 they say that on Android it will work as an NFC wallet, so I'm wrong!

[-] [email protected] 4 points 1 month ago

Is there any other replacement for Google Wallet you would recommend?

[-] [email protected] 9 points 1 month ago

Hi OP! I didn’t mean to be negative, but it depends on what you use x Wallet for:

if you use to consolidate cards, then it will be a bit harder but it will accomplish the goal
if you use to pay from your phone, then there are a multitude of national apps, which UX this again a bit worse, imho. In Italy we have Satispay, then there's Wero Pay (DE, FR, BE, NL iirc), Swish (SE) and Mobile Pay (DK, FI and maybe NO). We should aim for a EU-wide payment app

[-] [email protected] 5 points 1 month ago

There is a project for a wide eu platform, it goes a bit further than that including other functionality, however, even if they started a few years ago, they didn't make massive progress. This is the only service based in Europe (UK) that provides service to all Europe.

[-] [email protected] 2 points 1 month ago

Why not? Got Curve for about two years to make Amazon and other online payments with my otherwise unsupported Diners Club via Curve. Works really good. Although I wish there was a EU based payment system that's available everywhere...

[-] [email protected] 1 points 1 month ago* (last edited 1 month ago)

That’s an edge case I didn’t consider. Diner’s cards aren’t so widespread.

Edit: there are a few cases where Curve is really useful, but not as an Apple/Google Wallet replacement

this post was submitted on 07 May 2025

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