Updated September 29, 2026 · SumCue Editorial Team
ANNA Money vs Curve
ANNA Money
Higher score in this comparison
Curve
Where ANNA Money and Curve differ
| Compare | ANNA MoneyReviewSee alternativesSee alternatives | CurveReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 1% | 0%Lower |
| Rewards type | None | Cashback |
| APR | Not confirmed | 19.99% |
| Rewards rate | Not confirmed | 1% at chosen retailers and on non-European currency spend on premium plans |
| Perks | Not confirmed | 1% cashback on foreign currency spending, Fee free spending abroad up to plan limit |
| Cashback rate | Not confirmed | 1% |
| Card kind | Not confirmed | Credit |
Same on both: Annual fee (£0).
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Key differences
- Currency conversion fee is lower at Curve: 0% vs 1%.
- Support channels: only ANNA Money offers Email, Chat.
- Features: only ANNA Money offers Multi currency.
- Features: only Curve offers Rewards.
Our verdict on each
ANNA Money
ANNA Money suits businesses and sole traders who want a straightforward multi-currency account with no monthly or annual charge. Spend comes off a Mastercard debit card rather than a credit card, and the only real cost to weigh is the currency conversion fee of 1% when money moves outside the UK.
Curve
Curve combines a free annual fee with fee-free spending abroad, so it suits travellers and anyone who pays in several currencies. Borrowing on the Flex plan costs 19.99%, so check that rate before treating the card as free to run.
Score breakdown
| Area | ANNA Money | Curve |
|---|---|---|
| Cost | 9.2Monthly fee £0 and annual fee £0 are both no annual fee, so running the account costs nothing. | 9.2Annual fee of £0 and currency conversion fee of 0% keep running costs low, though Flex APR of 19.99% raises borrowing costs. |
| Offer | 9.4Higher | 8.4Rewards type is cashback on a credit card, but cashback of 1% runs on premium plans only. |
| Trust | 8.3 | Not confirmed |
How they place
| Ranking | ANNA Money | Curve |
|---|---|---|
| Credit and debit cards | 563 of 1594 | 588 of 1594 |
Every fact side by side
| Fact | ANNA Money | Curve |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Multi currency | Rewards |
| Audience | Business | Not confirmed |
| Legal entity | Not confirmed | Curve Europe, UAB |
| Headquarters | United Kingdom | Lithuania |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Chat, Help centreCovers more | Help centre |
Debit cards
| Fact | ANNA Money | Curve |
|---|---|---|
| Monthly fee | £0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
Where each stands against the rest
| Fact | ANNA Money | Curve | Median |
|---|---|---|---|
| Annual fee | £0at the median | £0at the median | £0 |
| APR | Not confirmed | 19.99%above the median | 11.635% |
| Currency conversion fee | 1%at the median | 0%below the median | 1% |
| Cashback rate | Not confirmed | 1%below the median | 1.5% |
Median across 486 listed providers.
Pros and cons
ANNA Money
Pros
- No monthly fee of £0 and no annual fee of £0, and the account is run as no annual fee
- Multi-currency accounts are supported as a multi currency
- Card is a debit card on the Mastercard network, so spending draws on current balance rather than credit
Cons
- Currency conversion costs 1% on foreign spend, so frequent overseas buying adds up
- Help is limited to email, chat and help centre, with no phone line listed
Curve
Pros
- Annual fee of £0 on the card, with a currency conversion fee of 0% on the travel card.
- Cashback of 1% on foreign currency spending, plus fee-free spending abroad up to the plan limit.
- The issuer is Curve Europe, UAB, based in Lithuania and holding an LT_BL licence with reference PSD_EMI 305626541.
Cons
- Flex borrowing costs 19.99%, above the site median of 15.5%, so a carried balance is costly.
- Cashback of 1% at chosen retailers and on non-European currency spend applies on premium plans, so the reward depends on the plan you hold.
- Support runs on help centre only.
Who each suits
ANNA Money
Who it suits
- Businesses and sole traders that hold and spend in more than one currency
- Anyone who wants everyday spending on a Mastercard debit card with no monthly charge
Who should look elsewhere
- Anyone wanting a credit card, since the card offered is debit and rewards are none
- Frequent overseas spenders who would rather pay Wise's currency conversion fee of 0%
- Households rather than businesses, since the account is built for a business audience
Curve
Who it suits
- Travellers and anyone paying in several currencies, because the currency conversion fee is 0%.
- People who want rewards without a yearly charge, since the annual fee is £0 and the rewards type is cashback.
- Card users who clear their balance each month, because the Flex rate of 19.99% is the part that bites.
Who should look elsewhere
- bunq, if you want a fee-free card from another provider, with an annual fee of €0.
- Varo Believe Secured Credit Card, if you want a secured card, with an annual fee of $0.
- Starling Personal Account Debit Card, if a debit card suits you better, with an APR of 15%.
Country by country
| Country | ANNA Money | Curve |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
ANNA Money
How much does an ANNA Money account cost to run?+
The monthly fee is £0 and the annual fee is £0, and the account is sold as no annual fee. The main charge most customers will meet is the currency conversion fee of 1% when spending or converting in another currency.
Is this a credit card or a debit card?+
It is a debit card on the mastercard network, so purchases draw on the money in the account rather than borrowing. Rewards are listed as none, so there is nothing to earn back on everyday spending.
Curve
What does the Curve card cost each year?+
Curve's annual fee is £0 and the model is listed as a no annual fee card. Keeping the card open for its rewards therefore adds no yearly charge in these terms, and Curve ranks 1 of 312 cards on annual fee.
Does Curve charge for spending abroad or converting currency?+
The currency conversion fee is 0% on the travel card, so foreign spending carries no currency mark-up in these terms. The listed perks also include fee-free spending abroad up to the plan limit, and cashback of 1% on foreign currency spending.
Other options to compare
ANNA Money
Curve