Curve pricing review – Is it the right choice for your business?

Managing business expenses efficiently is critical for every organisation, no matter its size. Curve, a financial technology platform, has gained significant traction by offering a streamlined solution for managing multiple cards and transactions in one place. But is Curve the right choice for your business? This review explores Curve features, pricing, and suitability for UK businesses.

What is Curve?

Curve is a financial service that consolidates all your payment cards—debit, credit, or prepaid—into a single smart card and mobile app. By using Curve, businesses and individuals can simplify their financial management, track spending across accounts, and benefit from features like cashback and rewards.

For businesses, Curve offers added functionality, such as seamless expense management and the ability to issue virtual and physical cards to team members.

Curve business features review

Curve’s offering for businesses is packed with features designed to save time and money. Here’s an overview:

1. All-in-one card solution – Curve allows you to link multiple cards and use a single Curve card for all transactions. This simplifies expense management and reduces the need to carry multiple cards.
2. Go Back in Time – This unique feature lets users move a payment from one card to another within 30 days, a useful tool for rectifying errors or managing cash flow.
3. Business expense tracking – With Curve’s app, businesses can categorise transactions, upload receipts, and integrate with accounting software like Xero and QuickBooks.
4. Rewards and cashback – Eligible businesses can earn cashback on purchases made with selected merchants, a handy perk for companies with regular expenses.
5. No foreign transaction fees – Curve eliminates foreign transaction fees when spending abroad, making it ideal for businesses that travel frequently or deal with international suppliers.
6. Custom limits and controls – Businesses can set spending limits and track team members’ spending in real time, offering better financial oversight.

Curve pricing review

Curve offers three tiers to cater to different needs and budgets. Below is a breakdown of its pricing structure:

Curve Free

• Price: £0/month
• Features:
  • Link up to two payment cards
  • Basic expense tracking
  • Up to £1,000 foreign exchange fee-free per month
  • Limited cashback options (90-day introductory period)

Curve X

• Price: £5.99/month
• Features:
  • Link up to five payment cards
  • Access to Go Back in Time (up to 60 days)
  • £10,000/month foreign exchange fee-free limit
  • Cashback at three selected retailers

Curve Pro

• Price: £9.99/month
• Features:
  • Unlimited card linking
  • Go Back in Time (up to 90 days)
  • £15,000/month foreign exchange fee-free limit
  • Comprehensive travel insurance
  • Higher cashback rates

Curve Pro+

• Price: £17.99/month
• Features:
  • Premium metal card
  • Unlimited card linking
  • Go Back in Time (up to 120 days)
  • Unlimited foreign exchange fee-free spending
  • Worldwide travel insurance and rental car collision waiver insurance
  • 1% cashback at up to six selected retailers

Pros and cons of Curve for businesses

Pros

• Simplifies financial management by consolidating cards.
• No foreign transaction fees, saving money on international purchases.
• Cashback and rewards provide added value.
• Useful integrations with accounting tools.

Cons

• Some features, such as unlimited card linking, require premium plans.
• Cashback rewards are limited to selected retailers.
• Curve Free has restricted capabilities for growing businesses.

Review verdict – Is Curve the right choice for your business?

Curve is an excellent tool for businesses seeking to simplify expense management, especially those with employees who travel frequently or require spending oversight. Its pricing tiers allow flexibility, catering to small startups as well as larger organisations with more complex needs.

However, businesses with minimal expenses or no need for features like foreign transaction fee elimination or travel insurance may find the free version adequate. Meanwhile, those requiring higher foreign exchange limits or premium insurance benefits might benefit from Curve Pro or Pro+.

Final thoughts

To conclude our pricing review, Curve provides a compelling solution for UK businesses looking to streamline expenses and manage multiple cards effectively. Its innovative features and tiered pricing make it adaptable for various business sizes and industries. While not every business will require the premium plans, the flexibility offered ensures Curve is a strong contender for modern expense management.

Explore the options, compare them to your business needs, and see if Curve can simplify your financial processes while saving you money.

FAQ – Curve pricing review