Curve is a Google wallet replacement app that consolidates multiple bank cards into a single smart card and digital wallet, making it easier to manage your finances. Here are some key points:
PRO:
- Curve allows you to link multiple debit and credit cards to one Curve card, simplifying your wallet and making it easier to switch between accounts.
- The app claim to offer robust security features, including instant card freezing, transaction notifications, and the ability to set spending limits.
- Curve provides cashback and rewards on purchases, which can add up over time and provide extra value.
- The app is intuitive and easy to navigate, with clear transaction histories and spending insights.
- Go Back in Time: A unique feature that lets you switch the card used for a transaction after the purchase, providing flexibility and control.
CONS:
- While the basic version is free, some premium features come with a subscription fee.
- Curve is not available in all countries, however, should be available in all EU and the UK.
I am not a huge fan of having multiple cards. Its economic suboptimization.
People tell me they get cashback, points and all sorts of advantages.
If you calculate the actual savings in euros, its not that impressive.
If you spend 10 000โฌ a year with 1% cashback. That's 100โฌ. Which is more than nothing. However you can ignore the whole min/maxing with cards and just make a couple more meals from scratch, bring coffee instead of buying for a couple weeks, buy something used instead of new once or twice etc.
The time spent getting all these points and maximizing is often comprehensive. The credit card bill has to be paid every month, if you miss it once, then the whole thing was a waste of time. So you have to be certain. Checking if everything is paid is thus important.
Also they loyalty part is manipulative and might not actually be beneficial in many cases.
So I stick to my ONE debit card.
Youโd better cut out the avocado toast too. Thatโs the real budget killer.
Haha, with a price of about 1.5 euros per avocado. You got to skip a lot of toasts ๐