Curve
No referral link here — we do not monetize a service we have not verified.
- This is an EMI, not a bank: funds are safeguarded, not covered by a €100k deposit guarantee.
Pros & Cons
Pros
- Wraps your existing cards into one
- FX savings abroad
- go-back-in-time spend switching
Cons
- Not a bank — no €100k deposit guarantee (funds safeguarded)
Rating breakdown
Why this score
Good fit for
- you need to hold a balance in USD
- you want cashback on card spend
May not fit if
- you need crypto in or out
- you need a complete picture — 1 facts we treat as critical are still not disclosed
This is an electronic money institution (EMI), not a bank. Funds are safeguarded, but NOT covered by the €100,000 deposit guarantee. Convenient, but legally it isn't a bank deposit.
- Licence
- EMI · Bank of Lithuania
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-08-15
Curve runs on an EMI licence: convenient, but your money is safeguarded rather than covered by the €100k deposit guarantee.
It is a global fintech licensed in LT supporting EUR, USD, GBP etc. FX model: Interbank rate on weekdays, weekend surcharge.
It tends to suit card aggregation, fx on existing cards, rewards.
Fees & terms
- Exchange rate
- Interbank rate on weekdays, weekend surcharge
- Card cost
- Free / paid tiers
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- FX and spend limits by tier
- USD yield
- Not disclosed
- Cashback
- Rewards on selected retailers (paid tiers)
- Currencies
- EUR, USD, GBP etc
- Cards
- Global Physical, Global Virtual
- Payments
- Apple Pay, Google Pay
- Licence
- EMI — Bank of Lithuania
- SEPA Instant
- No
- Verification of Payee (VoP)
- No
- FX model
- Interbank rate on weekdays, weekend surcharge
- Opening requirements
- No local address needed; not a bank account
- English support
- Yes
- Remote opening
- Yes
- Headquarters
- United Kingdom
Who holds your money
The name on the app is not always the company holding the balance, and deposit protection follows the licence rather than the brand.
| Role | Organization | Answerable for | Applies to |
|---|---|---|---|
| Licence holder | CurveBank of Lithuania | Operating under regulatory permission | All currenciesNo protection scheme recorded |
What to know before you move money
Elevated exposure — At least one thing here would change a reasonable person’s mind.
- CriticalThis is an EMI, not a bank: funds are safeguarded, not covered by a €100k deposit guarantee.
Read from: eu.license_type, eu.dgs_covered
- MediumDocumented too thinly to score (candidate).
Read from: maturity_level
Recent updates
- 2026-08-15checked11 facts about Curve re-checked against their sources
3 similar services
Chosen by overlap in what people use them for, not by category — the services that would land in the same shortlist as this one.
User reviews
User score
No reviews yet.
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FAQ
- Is my money protected?
- No. Curve operates under an EMI licence — funds are safeguarded but NOT covered by a €100k Deposit Guarantee Scheme. It is not a bank in the deposit-protection sense.
- What IBAN and transfers?
- Curve issues a IBAN. SEPA Instant: no.
- Can I open remotely, in English?
- Opening is remote. English support is available. Requirements: No local address needed; not a bank account.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
We know this service exists, but a fact we consider critical is still missing — so it is not listed, scored or recommended.
Still needed
- Collect a critical field: transfer_rails