Check the live Curve exchange rate any time with our global currency converter. We always pass on the Mastercard rate directly, with no hidden Curve currency conversion fee, so you know exactly what your Curve FX rates are before you spend.
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Think of it as the Curve rate, the same fair Mastercard rate for every transaction, with zero markup. Other banks add 0.5%–3%, but with Curve Pay, your currency conversion fees stay at £0. What you see in the converter is what you’ll get when you tap to pay. Terms and limits apply.
Most banks hit you twice: first with a sneaky markup baked into the exchange rate, then with a foreign transaction fee on top. Curve Pay cuts out both. With the Curve rate - straight from Mastercard - you pay zero currency conversion fees. That’s up to 3% saved on every trip, every time you spend. Terms and limits apply.
Travelling somewhere card payments aren’t accepted? With Curve Pay you still get the same transparent FX rates on ATM withdrawals, no surprise conversion markups. Upgrade to a Curve Pay Pro plan and you’ll get up to £1000/month in fee-free cash withdrawals while still benefiting from the live Curve exchange rate. Terms and limits apply. Fee-free limits per plan.
Earn rewards that actually count. With the Curve exchange rate, nothing gets lost to hidden fees—your points, miles, and cashback all stack on top of Curve Pay’s own 1% outside Europe. Upgrade to a Curve Pay Pro plan and unlock even more, with 1% back at travel favourites like Booking.com, easyJet, Uber, and more. Ready to go further? Travel with Curve and make every trip more rewarding. Terms and limits apply - see Fair Use Policy for details.
Whether you’re in Tokyo or Tenerife, Curve Pay keeps your money secure and your exchange transparent. If your card’s lost or skimmed, freeze it instantly in-app—your funds stay protected and every spend runs on the genuine Curve FX rate, not a padded tourist exchange rate. Learn more about Curve security and how we keep your wallet safe wherever you go.
The Curve rate is the real exchange rate you get when spending abroad with Curve Pay — no hidden markups, no weekend surcharges. It’s powered by Curve’s Killer FX technology, which eliminates hidden conversion costs from every linked card. That means you always pay at a fair mid-market rate (Mastercard rate), not the inflated rate most banks use
No. Curve Pay doesn’t charge a currency conversion fee when you spend abroad. Whether you’re using a debit or credit card underneath, Curve removes the hidden FX fees your bank would normally apply — saving you up to 3% on every foreign purchase
Traditional banks often add 2.75–3% in foreign transaction or exchange markups. Curve Pay’s Killer FX removes those hidden costs, applying the live interbank rate instead.
Yes. You can preview the live exchange rate directly in the Curve Pay app before confirming your payment. Each transaction also shows your exact conversion and how much you saved versus your bank’s typical FX fee — so you’re never in the dark about what you pay
Curve Pay supports over 200 currencies, covering every country where Mastercard, Visa, or Diners cards are accepted. You don’t need to preload or hold balances in multiple wallets — Curve automatically converts at the best rate when you spend, so you can pay like a local anywhere
Curve Pay automatically detects the currency at checkout and converts it instantly at the real exchange rate. Simply pay in the local currency, and Curve handles everything behind the scenes.
There’s no need to buy or preload foreign currencies — just tap, spend, and Curve ensures you avoid hidden conversion fees and dynamic currency conversion traps