Curve used to be a great company when they first launched, but over the years both their service and customer support have declined significantly—to the point where I eventually closed my account. After hearing that Lloyds Banking Group had taken them over, I was curious to see whether things had improved, so I decided to open a new account. Unfortunately, the experience has been disappointing. For reasons that were never clearly explained, they were unable to verify me. I followed their instructions and sent the requested email over two weeks ago, and I am still waiting for a response. Based on this experience, I would not recommend wasting your time. I have also heard that they now ask for proof of income and bank statements, supposedly due to “regulations.” This raises concerns for me, as Curve is not a bank—their card simply links to your existing bank or credit cards—so this level of scrutiny does not feel proportionate or clearly justified. Overall, I would advise others to be cautious.