You can use it online. If you want to use it as tap to pay, unfortunately Curve doesn't allow it as it is in usd, so you need goolag pay. As i keep a spare phone just for banking apps and other things attached to my "government" persona, its on that. I hasten to add that said spare Goolagged phone is switched off unless needed, has no Sim card and only gets to piggy back from wifi or hotspot