Compare Curve UK vs Wise

Curve UK

Curve UK Limited Logo
TheBanks.eu Rating
Average  (3.10)
providing payment cards

Curve UK Limited (United Kingdom) is an electronic money institution authorized and regulated by the Financial Conduct Authority. Curve UK is focused on providing payment cards. The company offers mobile e-wallets, debit cards to individuals. In 2022 Curve UK Limited had total assets of 42.08 mln GBP, and generated net income of -22,153,000.00 GBP. During 2022 the company had 279 employees in average.



Wise

#1 EMI in EUROPE
Wise Payments Limited Logo
TheBanks.eu Rating
Excellent  (4.94)
global cross-border payments

Wise Payments Limited (United Kingdom) is an electronic money institution authorized and regulated by the Financial Conduct Authority. Wise is focused on global cross-border payments. The company offers prepaid cards, personal accounts with IBAN, business accounts with IBAN, international money transfers, local money transfers, currency exchange, payment infrastructure to individuals, freelancers, entrepreneurs, small- and medium-sized businesses, enterprises, credit unions, banks, financial institutions. In 2023 Wise Payments Limited had total assets of 5,806.20 mln GBP, and generated net income of 100.20 mln GBP. During 2023 the company had 3,192 employees in average. Wise is ranked #1 EMI in Europe. Wise Payments Limited is doing business as Wise.


Business Overview

Solutions
  • payment infrastructure
Products
  • mobile e-wallets
  • debit cards
  • prepaid cards
  • personal accounts with IBAN
  • business accounts with IBAN
Services
  • international money transfers
  • local money transfers
  • currency exchange
Clients
  • individuals
  • individuals
  • freelancers
  • entrepreneurs
  • small- and medium-sized businesses
  • enterprises
  • credit unions
  • banks
  • financial institutions
View Profile +View Profile +

TheBanks.eu Review

Overall Rank#1 EMI in EUROPE
Operating EnvironmentVery Friendly (4.81)Very Friendly (4.81)
Product RangeFocused (2.29)Broad (4.18)
Market NicheNarrow (1.92)Very Broad (4.56)
Company BackgroundStrong (3.49)Very Strong (4.88)
Customer SupportPoor (1.92)Poor (2.29)
Customer SentimentGood (3.57)Excellent (4.49)
TransparencyHigh (3.91)Very High (4.94)
Overall RatingAverage (3.10)Excellent (4.94)

Compare Personal Cards

Curve UK Limited CardWise Payments Limited Card
Card Typedebit
physical, virtual
contactless
debit
physical, virtual
Currencymulti currency
AUD, BGN, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, ISK, INR, JPY, KRW, NOK, NZD, PLN, RON, RUB, SEK, SGD, USD, ZAR
multi currency
as per account
Card ProviderMasterCardMasterCard
Order Card Order Card

Card Type

Curve UK cards are debit cards, rather than prepaid cards. Curve UK cards are issued as both physical (plastic) and virtual cards; plastic cards are delivered to the customer's address.

Wise cards are debit cards, rather than prepaid cards. Wise cards are issued as both physical (plastic) and virtual cards; plastic cards are delivered to the customer's address.

Currency

Curve Personal Card is a multi-currency card,the funds can be held in different currencies at the same time. AUD, BGN, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, ISK, INR, JPY, KRW, NOK, NZD, PLN, RON, RUB, SEK, SGD, USD, ZAR.

Wise Personal Card is a multi-currency card,the funds can be held in different currencies at the same time. Wise Personal Card can hold funds in any as the corresponding account, namely in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.

Customer Group

n/a

Wise cards are currently available for the holders of Wise Multi-Currency accounts in the United Kingdom, United States, Switzerland and the European Economic Area (with the exception of Greece), Gibraltar (British Overseas Territory) and the UK Crown Dependencies: Guernsey, Isle of Man, and Jersey.

Card Loading

Curve card doesn't hold funds, funds be be added to the Curve app and then you can select select the card you'd like to spend with through Curve.

Wise card does not have a separate balance from Wise Multi-Currency account. So, topping up a Wise Multi-Currency account actually loads the Wise cards connected to the account.

Card Security

n/a

3D Secure Payments. For some online payments, a Wise cardholder can be asked to approve the payment from his/her Wise app, or by using a code sent by SMS or voice call. This is called a 3D Secure online payment, and is an added level of security some websites ask for.At the moment, 3D secure payments are only supported for cards issued in the UK and the European Economic Area (EEA).

Pricing Plans

Card Fees and Limits

Curve Blue (Classic)Curve Black (Premium)Curve Metal (Ultimate)
Curve Cash: 1% Cashback3 selected retailers (for 90 days)3 selected retailers (unlimited time)6 selected retailers (unlimited time)
Access to fair FX ratesup to 500 EUR per monthunlimitedunlimited
Fee-free foreign ATM withdrawals200 EUR per month400 EUR per month600 EUR per month
Daily spending limit2,400 EUR2,400 EUR2,400 EUR
Daily ATM limit240 EUR240 EUR240 EUR

Card Fees and Limits

UK/EUAPACUS
Card Issuance Fee5 GBP/6 EUR10 AUD/10 NZD/10 SGD7 USD
Currency Exchange Fee0.24–3.69%0.24–3.69%0.24–3.69%
ATM Withdrawal Feeup to 200 GBP: free
above that: 2.00%
up to 350 AUD/350 NZD/350 SGD: free
above that: 2.00%
up to 250 USD: free
above that: 2.00%
ATM Withdrawal Daily Limit1,500 GBP2,700 AUD/NZD/SGD1,000 USD
ATM Withdrawal Monthly Limit4,000 GBP7,000 AUD/NZD/SGD4,000 USD
Contactless Payment Daily Limit1,000 GBP1,750 AUD/NZD/SGDn/a
Contactless Payment Monthly Limit4,000 GBP7,000 AUD/NZD/SGDn/a
Magnetic Stripe Daily Limit6,000 GBP10,500 AUD/NZD/SGD6,000 USD
Online Purchase Daily Limit10,000 GBP17,500 AUD/NZD/SGD2,000 USD
Online Purchase Monthly Limit30,000 GBP52,500 AUD/NZD/SGD10,000 USD

Compare Corporate Cards

Curve UK Limited CardWise Payments Limited Card
Card Typedebit
physical, virtual
contactless
debit
physical, virtual
Currencymulti currency
AUD, BGN, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, ISK, INR, JPY, KRW, NOK, NZD, PLN, RON, RUB, SEK, SGD, USD, ZAR
multi currency
as per account
Card ProviderMasterCardMasterCard
Order Card Order Card

Card Type

Curve UK cards are debit cards, rather than prepaid cards. Curve UK cards are issued as both physical (plastic) and virtual cards; plastic cards are delivered to the customer's address.

Wise cards are debit cards, rather than prepaid cards. Wise cards are issued as both physical (plastic) and virtual cards; plastic cards are delivered to the customer's address.

Currency

Curve Business Card is a multi-currency card,the funds can be held in different currencies at the same time. AUD, BGN, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, ISK, INR, JPY, KRW, NOK, NZD, PLN, RON, RUB, SEK, SGD, USD, ZAR.

Wise Business Card is a multi-currency card,the funds can be held in different currencies at the same time. Wise Business Card can hold funds in any as the corresponding account, namely in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.

Customer Group

n/a

Wise cards are currently available for the holders of Wise Multi-Currency accounts in the United Kingdom, United States, Switzerland and the European Economic Area (with the exception of Greece), Gibraltar (British Overseas Territory) and the UK Crown Dependencies: Guernsey, Isle of Man, and Jersey.

Card Loading

Curve card doesn't hold funds, funds be be added to the Curve app and then you can select select the card you'd like to spend with through Curve.

Wise card does not have a separate balance from Wise Multi-Currency account. So, topping up a Wise Multi-Currency account actually loads the Wise cards connected to the account.

Card Security

n/a

3D Secure Payments. For some online payments, a Wise cardholder can be asked to approve the payment from his/her Wise app, or by using a code sent by SMS or voice call. This is called a 3D Secure online payment, and is an added level of security some websites ask for.At the moment, 3D secure payments are only supported for cards issued in the UK and the European Economic Area (EEA).

Pricing Plans

Card Fees and Limits

Curve Blue (Classic)Curve Black (Premium)Curve Metal (Ultimate)
Curve Cash: 1% Cashback3 selected retailers (for 90 days)3 selected retailers (unlimited time)6 selected retailers (unlimited time)
Access to fair FX ratesup to 500 EUR per monthunlimitedunlimited
Fee-free foreign ATM withdrawals200 EUR per month400 EUR per month600 EUR per month
Daily spending limit2,400 EUR2,400 EUR2,400 EUR
Daily ATM limit240 EUR240 EUR240 EUR

Card Fees and Limits

UK/EUAPACUS
Card Issuance Fee5 GBP/6 EUR10 AUD/10 NZD/10 SGD7 USD
Currency Exchange Fee0.24–3.69%0.24–3.69%0.24–3.69%
ATM Withdrawal Feeup to 200 GBP: free
above that: 2.00%
up to 350 AUD/350 NZD/350 SGD: free
above that: 2.00%
up to 250 USD: free
above that: 2.00%
ATM Withdrawal Daily Limit1,500 GBP2,700 AUD/NZD/SGD1,000 USD
ATM Withdrawal Monthly Limit4,000 GBP7,000 AUD/NZD/SGD4,000 USD
Contactless Payment Daily Limit1,000 GBP1,750 AUD/NZD/SGDn/a
Contactless Payment Monthly Limit4,000 GBP7,000 AUD/NZD/SGDn/a
Magnetic Stripe Daily Limit6,000 GBP10,500 AUD/NZD/SGD6,000 USD
Online Purchase Daily Limit10,000 GBP17,500 AUD/NZD/SGD2,000 USD
Online Purchase Monthly Limit30,000 GBP52,500 AUD/NZD/SGD10,000 USD
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