Curve Pay Wallet & Cashback

Curve Pay is a prominent digital wallet and fintech application developed by the UK-based company Curve OS Limited (formerly Curve 1 Limited). Launched in 2015, the platform gained popularity for its central feature: the ability to consolidate multiple credit and debit cards into a single physical card and digital app. One of its standout innovations is the 'Go Back in Time' feature, which allows users to retroactively switch the payment card used for a transaction up to several weeks after the purchase.

In November 2025, Curve was acquired by Lloyds Banking Group in a significant deal that integrated its 'smart wallet' technology into one of the UK's largest financial institutions. Headquartered in London, the company is recognized for being the first third-party wallet in the European Economic Area to challenge the mobile payment monopoly on iOS devices by leveraging NFC technology. Today, it remains a key player in the European fintech landscape, providing users with unified spending rewards, cashback, and efficient foreign exchange management.