Now with Apple Pay, Curve’s all-in-one card takes consolidation to its conclusion

By Oliver Smith on Wednesday 29 January 2020

Digital Banking

All your cards, in one card, in Apple Pay.

Now with Apple Pay, Curve’s all-in-one card takes consolidation to its conclusion
Image source: Curve.

Curve has finally launched its long-awaited Apple Pay integration, letting users add their Curve Card to their iPhones.

It marks the natural evolution of Curve’s mission to consolidate all of your payment cards in-one, this time with the card itself disappearing.

Last year Curve launched Samsung Pay which let the company bring the mobile wallet to every bank it supports, regardless of whether the banks have a relationship with Apple or not.

It appears a similar workaround is now in effect for Apple Pay, with banking services like Tide, Holvi and Soldo (that don’t directly support Apple Pay) working with Apple’s mobile wallet via their Curve integration.

Curve’s integration with Apple Pay is a magnificent addition to Curve’s unique money management features, superbly complimenting Curve’s commitment to simplifying and unifying people’s financial lives and enabling even more ways for customers to pay with one of the most rewarding and feature-packed personal finance products on the market,” said Diego Rivas, Curve’s Head of Product-OS.

The addition also means that Curve’s extra features like 1% instant cashback with certain retailers, the ability to change the account that you spent with (“time travel”), and free foreign exchange (up to a cap) are available through Apple Pay.

Of course, with Apple Pay integration Curve is also now relying on these perks, like its cashback and cheap FX rates, to keep consumers hooked. 

With contactless mobile payments quickly taking over from physical bank cards, Curve must be keenly aware that its key selling point (reducing the number of cards in your wallet) is gradually being eroded.

Once we live in a cardless world, an all-in-one card is somewhat less appealing.

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