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 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.
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Overall Rank | #1 EMI in EUROPE | |||
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Operating Environment | Very Friendly | (4.81) | Very Friendly | (4.81) |
Product Range | Focused | (2.29) | Broad | (4.18) |
Market Niche | Narrow | (1.92) | Very Broad | (4.56) |
Company Background | Strong | (3.49) | Very Strong | (4.88) |
Customer Support | Poor | (1.92) | Poor | (2.29) |
Customer Sentiment | Good | (3.57) | Excellent | (4.49) |
Transparency | High | (3.91) | Very High | (4.94) |
Overall Rating | Average | (3.10) | Excellent | (4.94) |
Card Type | debit physical, virtual contactless | debit physical, virtual |
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Currency | multi 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 Provider | MasterCard | MasterCard |
Order Card | Order Card |
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.
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.
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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.
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.
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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).
Curve Blue (Classic) | Curve Black (Premium) | Curve Metal (Ultimate) | |
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Curve Cash: 1% Cashback | 3 selected retailers (for 90 days) | 3 selected retailers (unlimited time) | 6 selected retailers (unlimited time) |
Access to fair FX rates | up to 500 EUR per month | unlimited | unlimited |
Fee-free foreign ATM withdrawals | 200 EUR per month | 400 EUR per month | 600 EUR per month |
Daily spending limit | 2,400 EUR | 2,400 EUR | 2,400 EUR |
Daily ATM limit | 240 EUR | 240 EUR | 240 EUR |
UK/EU | APAC | US | |
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Card Issuance Fee | 5 GBP/6 EUR | 10 AUD/10 NZD/10 SGD | 7 USD |
Currency Exchange Fee | 0.24–3.69% | 0.24–3.69% | 0.24–3.69% |
ATM Withdrawal Fee | up 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 Limit | 1,500 GBP | 2,700 AUD/NZD/SGD | 1,000 USD |
ATM Withdrawal Monthly Limit | 4,000 GBP | 7,000 AUD/NZD/SGD | 4,000 USD |
Contactless Payment Daily Limit | 1,000 GBP | 1,750 AUD/NZD/SGD | n/a |
Contactless Payment Monthly Limit | 4,000 GBP | 7,000 AUD/NZD/SGD | n/a |
Magnetic Stripe Daily Limit | 6,000 GBP | 10,500 AUD/NZD/SGD | 6,000 USD |
Online Purchase Daily Limit | 10,000 GBP | 17,500 AUD/NZD/SGD | 2,000 USD |
Online Purchase Monthly Limit | 30,000 GBP | 52,500 AUD/NZD/SGD | 10,000 USD |
Card Type | debit physical, virtual contactless | debit physical, virtual |
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Currency | multi 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 Provider | MasterCard | MasterCard |
Order Card | Order Card |
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.
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.
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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.
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.
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).
Curve Blue (Classic) | Curve Black (Premium) | Curve Metal (Ultimate) | |
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Curve Cash: 1% Cashback | 3 selected retailers (for 90 days) | 3 selected retailers (unlimited time) | 6 selected retailers (unlimited time) |
Access to fair FX rates | up to 500 EUR per month | unlimited | unlimited |
Fee-free foreign ATM withdrawals | 200 EUR per month | 400 EUR per month | 600 EUR per month |
Daily spending limit | 2,400 EUR | 2,400 EUR | 2,400 EUR |
Daily ATM limit | 240 EUR | 240 EUR | 240 EUR |
UK/EU | APAC | US | |
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Card Issuance Fee | 5 GBP/6 EUR | 10 AUD/10 NZD/10 SGD | 7 USD |
Currency Exchange Fee | 0.24–3.69% | 0.24–3.69% | 0.24–3.69% |
ATM Withdrawal Fee | up 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 Limit | 1,500 GBP | 2,700 AUD/NZD/SGD | 1,000 USD |
ATM Withdrawal Monthly Limit | 4,000 GBP | 7,000 AUD/NZD/SGD | 4,000 USD |
Contactless Payment Daily Limit | 1,000 GBP | 1,750 AUD/NZD/SGD | n/a |
Contactless Payment Monthly Limit | 4,000 GBP | 7,000 AUD/NZD/SGD | n/a |
Magnetic Stripe Daily Limit | 6,000 GBP | 10,500 AUD/NZD/SGD | 6,000 USD |
Online Purchase Daily Limit | 10,000 GBP | 17,500 AUD/NZD/SGD | 2,000 USD |
Online Purchase Monthly Limit | 30,000 GBP | 52,500 AUD/NZD/SGD | 10,000 USD |