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Free up cash or reduce your interest costs. Move balances from one card to another, or if eligible to an instalment plan, right in the Curve Pay wallet. Quick, flexible, and low-cost.
Move balances between your cards with ease - directly in the Curve Pay wallet. Whether you're switching to a lower-interest card or freeing up cash, Curve Flex balance transfers help you take control of your money in seconds.
Transfer high-interest credit card balances to lower-cost cards with just a 1.5% fee - that’s 40% cheaper than the average fee charged by balance transfer credit cards.
If eligible, unlock the option to spread the cost of your purchases with a Curve Flex instalment plan.
Plans change - and so can your payments. Rebalance your spending whenever you need to. Move purchases, spread a cost, or clear a balance early - all in one tap, without waiting for billing cycles or paperwork.
Learn how to make a balance transfer with Curve Flex
Select the Flex button under the card you want to move purchases from
Select total amount you want to transfer
Review your balance transfer
Curve Flex is a tool built into Curve Pay that lets you move balances smoothly between your cards whenever you need to manage cashflow, giving you total flexibility over how and when you pay.
If you’re eligible, you can take that flexibility further by turning those balances into instalment plans that help you spread costs over up to 24 months.
When you use Curve Flex to move balances between cards, we refund the specific past purchases you select - up to the amount you choose to move - and then create a new charge for the same total on the target card you’ve selected.
You’ll see:
|
From → To |
Use Case |
Fee |
|
Credit → Credit |
Transfer to a lower-interest card |
1.5% |
|
Debit → Credit |
Delay payment, avoid overdraft |
1.5% |
|
Debit → Debit |
Smooth spending across accounts |
0% |
|
Debit → Flex Instalment |
Free up cash in your account. |
0% |
|
Credit → Flex Instalment |
Spread the cost over time |
0% |
Curve Flex is free when you move purchases to a a debit card.
If you move your purchases to an instalment plan there is no additional cost beyond the interest on the instalment plan.
If you choose to move purchases to a credit card, a 1.5% fee applies to the total amount transferred. This fee covers processing costs and will be clearly shown before you confirm the transfer - so there are no surprises.
Transfers are processed instantly. The source card is refunded, and the destination card is charged immediately, however banks may take 3 - 5 business days to present the refunds in your account.
Yes. Curve Flex balance transfers are available across the UK and EEA. It works with any eligible card in your Curve Pay wallet. Instalments plans are only available to eligible Customers in the UK.
When you move purchases to another card using Curve Flex, the original purchases are refunded, and a new purchase is created on your selected card.
Sometimes, one or more of the purchases you selected for your transfer may not be refundable - for example, if the original purchase has already been reversed or the card issuer declines the refund.
If that happens, we’ll automatically adjust the total transfer amount so that it only includes the value of the purchases we were able to refund.
Your transfer amount depends on the value of your eligible purchases. You can move eligible purchases made in the last 4 months via Curve Pay on the specific card you're transferring from.
Terms and limits apply
