TLDR Why Holiday Spending Gets Out of Hand
Seasonal shopping can catch even the savviest spenders off guard:
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Multiple cards and accounts to manage
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Discounts that encourage impulse buys
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Hard-to-track spending across different retailers
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Missed cashback or rewards because the wrong card was used
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Overdraft fees or interest charges that hit next month
Holiday spending doesn’t have to mean draining your wallet. Whether it's Black Friday, festive gifting, or New Year sales, seasonal shopping is a chance to save—as long as you're smart about how you spend.
Enter Curve Pay: the all-in-one wallet that helps you spend smarter, earn more cashback, and stay in control during the busiest (and most expensive) time of the year.
Earn More with Curve Rewards (and Your Card’s Rewards Too)
Most cashback credit cards give you 0.5–1% back. That’s solid—but limited.
With Curve Pay, you get Double Dip cashback:
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Earn your usual card’s rewards (Barclaycard, Chase, Santander, etc.)
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Earn up to 20% cashback through Curve Rewards at top seasonal retailers
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Spend once, get rewarded twice
No need to activate offers. No promo codes. Just instant cashback that stacks.
Shop with Any Card, From One App
Got a grocery deal on one card, a travel booking on another, and gifts going to your business account?
With Curve Pay, you can:
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Add all your cards (debit and credit) into one wallet
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Choose which card pays—from a single tap
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Or set Smart Rules so Curve Pay routes the transaction for you
Less time switching apps or pulling out plastic. More time enjoying the season.
Reassign Purchases with Go Back in Time
Made a big buy and realised you used the wrong card?
Go Back in Time lets you:
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Move a past purchase to a different card (up to 120 days later)
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Optimise your rewards after the fact
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Clean up personal vs. business spending before the new tax year
It’s an undo button for your holiday spend.
Real-Time Tracking and Instant Freeze
During the holidays, things move fast. Curve Pay keeps you covered:
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Get instant spend alerts from any linked card
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Track your transactions in one place
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Instantly freeze your wallet if your phone is lost or stolen
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Control online, ATM, and contactless settings individually
More oversight. Less stress.
Section 75 Protection - Even on Debit Cards
Gifting online from unknown retailers? Booking a festive break?
Curve Pay gives you credit card-level protection even when you spend from a linked debit card, thanks to its regulated credit structure.
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Covered under Section 75 of the Consumer Credit Act
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Applies to eligible purchases over £100
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Protection if goods aren’t delivered, are faulty, or the merchant goes bust
It’s a safety net - built into every festive transaction.
Read more about Curve Pay plans.
