Curve and Equifax UK partner to deliver consumer credit solution to Curve Credit

25 Mar 2021

London, March 25: Equifax UK, the business and consumer insights expert, has signed an exclusive agreement with UK consumer fintech and payment card app Curve to deliver comprehensive verification and ID solutions to its new personal finance product, Curve Credit. Powered by Open Banking, Curve Credit allows consumers to ‘Go Back in Time’ and pay later via instalments on transactions made with their Curve card.

Rich bureau datasets, as well as leading know your customer (KYC) identity and income verification technology from Equifax, enables robust credit assessments to be carried out whilst supporting regulatory compliance. The agreement provides Curve Credit with market-specific scores that assess a customer’s credit risk and affordability helping to make accurate credit decisions at the point of application and allowing new customers to be on boarded quickly.

The partnership gives Curve Credit customers a secure platform, enabling responsible lending and borrowing decisions to be made efficiently, ensuring a seamless user experience.

Gary Brown, Sales Director at Equifax UK, said: “Curve Credit’s unique solution offers customers greater autonomy and flexibility over their personal finance decisions, which is extremely important in the current climate. We’re delighted to be partnering with Curve, providing insightful data and best-in-class technology, to support responsible credit decisions that put consumers in control.”

Paul Harrald, Head of Curve Credit, said: “Curve Credit is focused on empowering consumers to make better financial decisions. Equifax’s world-class data service and technical expertise, combined with their challenger mindset and clear commitment to the Open Banking experience, makes them the best possible partner in this mission.”

This collaboration with Curve sees Equifax which is already a CRA partner to many of the UK’s leading financial services organisations further increase the adoption of its credit services solutions among the UK’s leading fintechs and expands its presence in the online consumer payments space.

For more information about the partnership read our case study here.


Curve is a fintech that combines multiple cards and accounts into one smart card and even smarter app. The unique Curve card allows customers to supercharge their legacy banks to the 21st century without leaving their bank. Curve is live in 31 markets across the UK and Europe, and plans to launch in the US later in 2021.

Curve offers a host of benefits to its customers, including instant notifications and categorisation across their spend, the ability to fit their cards into Google Pay, Apple Pay and Samsung Pay, even if their banks don’t support this, and Curve’s patented Time Travel functionality, which enables customers to swap spend to a different card in the app for up to 30 days after the purchase was made. Curve supports Mastercard ® and Visa networks. The Curve Card and e-money, related to cards issued in the UK, is issued by Curve OS Limited, authorised in the UK by the Financial Conduct Authority to issue electronic money (firm reference number 900926). The Curve Card and e-money, related to cards issued in the EEA, is issued by Curve Europe UAB, authorised in Lithuania by the Bank of Lithuania (electronic money institution license  No. 73 issued on 22 of October, 2020).

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ABOUT EQUIFAX: Equifax is a global data, analytics, and technology company. We believe knowledge drives progress. We blend unique data, analytics, and technology with a passion for serving customers globally, to create insights that power decisions to move people forward.

Headquartered in Atlanta, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard & Poor's (S&P) 500® Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs approximately 11,000 employees worldwide. 

Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit and follow the company’s news on LinkedIn.

For more information contact:

Alastair Doyle, Nick Richardson or Max Gibson at Four Communications


Telephone: +44(0) 20 3697 4200

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Curve OS Ltd, enregistrée en Angleterre et au Pays de Galles, #09523903
Copyright - 2021 © Curve OS Limited. La Curve Card, Samsung Pay+ et la monnaie électronique liée à ces cartes sont émis au Royaume-Uni par Curve OS Limited, autorisé au Royaume-Uni par la Financial Conduct Authority à émettre de la monnaie électronique (numéro de référence 900926). Curve OS Ltd, enregistrée en Angleterre et au Pays de Galles, Royaume-Uni (numéro de référence de la société : 09523903) et située au 15-19 Bloomsbury Way, Holborn, Londres, Royaume-Uni, WC1A 2TH.La Curve Card et la monnaie électronique liée aux cartes émises dans l'EEE sont émises par Curve Europe UAB, agréé en Lituanie par la Banque de Lituanie (licence d'établissement de monnaie électronique n° 73 délivrée le 22 octobre 2020). La Curve Card et Samsung Pay+ sont émis sous licence par Mastercard International Inc. Mastercard® est une marque déposée de Mastercard International Incorporated. Curve Europe UAB, est enregistrée en Lituanie (numéro de référence de la société : 305626541) et située à Jogailos g. 9, LT-01116 Vilnius.

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