• How it works
    • Everyday Spending

      Everyday Spending

      Get Curve Pay
    • Smart Features

      Smart Features

      Get Curve Pay
    • Flexible Payments

      Flexible Payments

      Get Curve Pay
    • Security & Control

      Security & Control

      Get Curve Pay
    Get Curve Pay
  • Plans
  • ⌚︎ Wearables
  • Huawei x Curve
Get Curve Pay

Your wallet.
Built for the run.

Turn your Garmin smartwatch into a secure, contactless wallet. Add your cards to Curve Pay and unlock bank support for fast, easy payments on the go - no phone, no wallet, no limits.

Get Curve Pay
Garmin Pay

Use Garmin Pay with more banks

Not all banks support Garmin Pay - but Curve Pay changes that. Add your debit or credit cards to Curve Pay, then connect Curve Pay to Garmin Pay to unlock wider compatibility.
Curve Pay works with most Visa, Mastercard, Diners Club, and Discover cards, so you can keep using the cards you already have.

Use Garmin Pay with more banks

All your cards. One smart wallet

Link multiple cards to Curve Pay and access them through Garmin Pay. Set your preferred card in the app and pay instantly from your wrist - no need to switch cards at checkout.

All Cards

Save money every time you travel

Curve Pay applies competitive exchange rates to help you avoid unnecessary FX fees abroad. You can also earn cashback on eligible spending, on top of your existing bank rewards.
Spend like a local - whether you're travelling, training, or commuting.

Save money

Built-In security that puts you in control

Every payment using Curve Pay is tokenised, so your real card details are never shared with Garmin or merchants.Garmin devices require a passcode to enable payments and automatically lock when removed from your wrist.
You can manage or remove your Curve Pay card anytime from the app, with real-time fraud monitoring adding an extra layer of protection.

Built-In security

How Curve Pay works with Garmin

Download Curve Pay

Install the Curve Pay app and add your debit and credit cards.

Download Curve Pay

Add Curve Pay to Garmin Pay

Open the Garmin Connect app, go to Garmin Pay, and add your Curve Pay card by following the on-screen steps.

Add Curve Pay to Garmin Pay

Tap to pay

Hold your device near the terminal to pay instantly.

Garmin - Tap to pay

Frequently asked questions

Can I use Garmin Pay without my phone?

Yes. Once set up, you can make contactless payments directly from your Garmin watch without needing your phone.

Why can’t I add my bank card to Garmin Pay?

Some banks are not supported by Garmin Pay. By adding your card to Curve Pay first, you can then use it with Garmin Pay.

Is Garmin Pay secure with Curve Pay?

Yes. Payments are tokenised, protected by a device passcode, and your real card details are never stored or shared.

What happens if I lose my watch?

You can freeze your Curve Pay card instantly via the app. 

Which cards can I add to Curve Pay?

Curve Pay supports most Visa, Mastercard, Diners Club, and Discover cards. UK users can also link PayPal.

Where is Garmin Pay accepted?

With Curve Pay, Garmin Pay is accepted anywhere contactless Mastercard or Visa payments are accepted.

Can I still earn rewards on my cards?

Yes. You’ll continue earning your existing bank rewards, plus any Curve cashback where eligible.

Can I switch the card after paying?

Yes. With Go Back in Time®, you can move a payment to another card after the transaction in the Curve Pay app.

More benefits

Terms and limits apply

The only wallet that
saves you money.

Curve Pay brings all your cards together in one secure
wallet - so you can save more with every payment.
Switch cards after you pay, skip hidden FX fees, and
stack rewards effortlessly. Regulated across the UK and
EEA and built for people who expect more from their wallet.