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30 June 2025
Curve Pay for Freelancers & Business Owners: Simpler Finance, Smarter Spend

Curve Pay for Freelancers & Business Owners: Simpler Finance, Smarter Spend

Running your own business means wearing all the hats—CEO, finance lead, operations manager, and often your own bookkeeper. When every card swipe and expense counts, having a tool that simplifies your financial life isn’t just helpful—it’s essential.

That’s where Curve Pay comes in.

Whether you're a freelancer, sole trader, or small business owner, Curve Pay lets you streamline business spend, organise your cashflow, and reclaim your financial headspace—without switching banks or juggling multiple apps.

Why Curve Pay Is Built for Freelancers & Business Owners

Curve offers dedicated commercial cards, tailored for freelancers, directors, and business owners.

  • Available as soon as you open a Curve Business account

  • Offers all the same benefits as personal cards—plus better spend categorisation and more data visibility

  • Automatically recognised as a business card, helping you stay compliant with business tools and merchant platforms

Using a Curve commercial card means your business spend gets treated like it should be: professionally. All Your Business Cards, One Digital Wallet

Business & Personal? 

Curve Pay also offers personal accounts which lets you link all your business debit and credit cards—into one smart wallet.

  • Use a single digital wallet for all spend

  • View all your transactions, across all accounts, in one app

It simplifies bookkeeping, helps with expense tracking, and keeps your business spend clean and separated—even when your day doesn’t go as planned.

Go Back in Time: Fix Mistakes Without the Admin

We’ve all been there. A work expense accidentally goes through on a personal card. Or the wrong card is used while travelling.

With Go Back in Time, you can:

  • Reassign business spend to the correct card—up to 120 days later

  • Keep your accounting clean, without refunds or back-and-forths

  • Adjust purchases after the fact, from your phone, in seconds

No admin. No finance headaches. No friction.

Curve ReFi: Move Balances. Free Up Cash. Save on Interest.

Curve Pay isn’t just smart—it’s strategic.

With Curve ReFi, you can instantly move balances between cards to:

  • Avoid overdraft fees by shifting past purchases onto a credit card

  • Lower interest rates by moving from high-interest credit to lower-cost accounts

  • Simplify repayment by moving transactions from credit to debit and settling immediately

Curve ReFi gives you more control over interest-free periods, better cash flow, and less debt stress—right when you need it most.

Flexibility That Works on Your Timeline

With Curve Flex, you can split past payments into instalments, without needing to plan ahead:

  • Turn any eligible business expense into 3, 6, 12 or 24 monthly payments

  • Choose the card to pay from

  • Manage cash flow dynamically—without needing a loan or new credit line

It’s flexibility that adapts to real business conditions: late invoices, seasonal spikes, or lean months.

Eligibility criteria and Ts&Cs apply.

Spend Abroad Like a Local

Curve Pay gives business travellers a real advantage:

  • Up to £100,000 fee-free limits per month on foreign exchange transactions, even if your bank normally charges fees

  • Mastercard’s interbank exchange rate, updated daily

  • Spend on the go without the usual international cost creep

  • Earn 1% cashback on foreign exchange transactions outside of Europe

Whether you're sourcing from overseas or just working remotely, Curve Pay keeps your business globally ready.

Real-Time Control, Smart Tracking

Managing business spend should be proactive—not reactive.

With Curve Pay, you get:

  • Instant transaction notifications across all your cards

  • Categorised business expenses in one view

  • Smart tracking and export-friendly reports for accounting or tax time

You know exactly where the money's going. In real time.

Section 75 Protection—Even on Debit Cards

When you pay with Curve Pay, you get credit card-level protection on every eligible transaction—even if your underlying card is a debit card.

That means:

  • Section 75 protection on purchases over £100

  • Added confidence when making high-value or supplier-dependent purchases

  • Legal coverage if things go wrong with goods or services

It’s peace of mind for every pound you spend—without needing to think about which card you used.

TL;DR – Curve Pay for Business

  • One wallet for all your business (and personal) cards

  • Fix spend mistakes with Go Back in Time

  • Access commercial cards made for freelancers and owners

  • Move balances with Curve ReFi to avoid overdraft or interest

  • Split payments after you spend with Flex

  • Get real-time spend control, better exchange rates, and Section 75 protection

All your cards. None of the compromise.

To read more about the Curve Pay plans

Terms and conditions apply. Limits may vary depending on Curve Pay tier.

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