Get Curve Pay

Smarter spending,

on autopilot.

Let Curve Pay take care of the admin. Smart Rules automatically chooses the right card for each purchase, so you stay in control — without thinking about it. Set it once, and let your wallet do the work

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Always Use the Right Card

Set rules to use your rewards card for supermarkets or your travel card for flights — and never miss out on points, cashback, or perks again. It’s precision spending, without the effort.

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Stay on Budget Without Micro-Managing

Set up card rules based on transaction amounts or merchant categories, and keep your budget on track automatically. Ideal for managing subscriptions, groceries, or recurring spend.

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Designed for Commercial Card Users

If you’re using Curve Pay for business, Smart Rules make sure every transaction goes to the right card. Automatically allocate expenses to different cards for better expense management and accounting.

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No More Mental Load

Smart Rules means you don’t need to remember which card to use at checkout. Just set your preferences once — Curve Pay takes care of the rest.

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Frequently asked questions

What are Smart Rules in Curve Pay?

Smart Rules let you define automated rules for which card Curve Pay should use based on the merchant category or transaction amount. You stay in control, but Curve Pay does the heavy lifting.

How do I set up Smart Rules?

Go to the “Wallet” section in the Curve Pay app and tap “Smart Rules.” You can create rules by merchant category (e.g., groceries, travel) or by transaction amount (e.g., use Card A for any purchase over £100).

Can I still use Go Back in Time® if I have Smart Rules?

Yes — Smart Rules prevent mistakes before they happen, but if you ever want to move a transaction after the fact, Go Back in Time® is always available.

Are Smart Rules only for personal use?

Not at all. If you’re using Curve Pay with a business, commercial card, Smart Rules can help streamline company expenses by automatically routing transactions according to your company’s spend policies.

What happens if none of my rules apply?

If no rule matches the transaction, Curve Pay will use your default payment card — which you can change anytime in the app.

More benefits

Unlock 1% cashback and skip the FX fees.

A Travel Card

Unlock 1% cashback and skip the FX fees.

Earn instant cashback on top of any card rewards.

Instant Cashback

Earn instant cashback on top of any card rewards.

Made a payment on the wrong card? Fix it with Go Back in Time®.

Go Back in Time®

Made a payment on the wrong card? Fix it with Go Back in Time®.

Free up cash or reduce your interest costs. Quick, flexible, and low-cost.

Curve Flex

Free up cash or reduce your interest costs. Quick, flexible, and low-cost.