Combine all your cards into one using Curve and get £10 FREE (1% Cashback / Payment Protection / Free Spend Abroad) when you join using code
779°

Combine all your cards into one using Curve and get £10 FREE (1% Cashback / Payment Protection / Free Spend Abroad) when you join using code

£0.01
195
Refreshed 21st Jun (Posted 25th Apr)Expires on 31/07/2019
Update 1
Curve launches Curve Cash - 1% instant cashback!

This new program works in addition to reward programs on your underlying cards. This means you can ‘double dip’ on spend you push through your Curve Card.

The new scheme offers cashback at many top retailers. You get different benefits depending on which card you hold:

Curve Blue (the free version): 1% instant cashback on up to three pre-selected retailers for 90 days.

Curve Black: 1% instant cashback on up to three pre-selected retailers indefinitely

Curve Metal: 1% instant cashback on up to six pre-selected retailers indefinitely

You can select the retailers you earn cashback at. The choice includes top brands such as Amazon, Apple, Sainsbury’s, Waitrose, Tesco, M&S, Pret, TFL, Uber, Gett, Spotify and Netflix.
Thought this was a fab offer and something i'm really interesting in doing with my accounts.

The premise of Curve is to give you one card for you to use and replaces ALL your separate cards! No more worrying about bringing an arsenal of plastic with you every-time you shop! Plus, your Curve has some really cool features even using their entry level card which is free to use! You can read about the different tiers of cards and their features here

You need to activate and use the card once to claim your reward, but there is no minimum spend

Curve combines all your debit and credit cards into one smart card and an even smarter app. It simplifies your finances, helping you to make better decisions by connecting your money right at your fingertips.

Download Curve and use the code CRVE7 to get £10 absolutely free when you first use your Curve card**

With All Your Cards in One you can add your existing debit cards and credit cards (Visa and Mastercard) to the app and pay through Curve, bringing some amazing benefits to all your cards: fee-free spend abroad*, military-grade security, instant notifications, plus some incredible additional features which are exclusive to our premium offerings Curve Black and Curve Metal.

Curve Blue is our entry-level card which is free to use. It gives access to the core benefits that all Curve customers know and love:

  • Fee-free spend abroad in 200+ currencies - we don’t charge add any fees or charges* so you can save on hidden bank fees, just in time for your Summer holidays
  • Earn 1% cashback from a list of top retailers* - it pays to spend!
  • Real-time notifications on every purchase you make
  • Military-grade security with intelligent fraud protection and end-to-end encryption
  • Curve Customer Protection - the best purchase coverage on the market protecting your purchases up to £100,000*


3220386.jpg

REWARDS

Join Curve today and get 1% instant cashback from up to 6 premium retailers as an introductory 90-day offer. (Tesco, Boots, Amazon, Starbucks, Just-Eat and more!)

Time Travel


3220386.jpg
Used the wrong card to pay for a flight or a lunch? Our Go Back In Time feature lets you switch cards for up to two weeks. Marty McFly has nothing on us.


Stay Alert

Peace of mind is baked into every Curve Card. You can see what you spend as it happens. Lock your Curve Card with one tap, view your pin and get instant customer support.

Terms of the promotion


For more detailed information on plans, click here.

Click here for more detail on Curve Customer Protection.

*Subject to our Terms of Service and Fair Use Policy.

**By using the promo code CRVE7, you agree to the Terms of Service for Promo Codes.
Community Updates

Groups

Top comments
devlino26/04/2019 14:48

I looked at this a while ago but...What are the cons of Curve?While it …I looked at this a while ago but...What are the cons of Curve?While it does have several plus points, there are some things you need to be aware of when using Curve:There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.



Thanks for raising this - it's true that when you make a purchase using your Curve card, you aren’t covered by Section 75 of the Consumer Credit Act, as it isn’t a direct purchase from your underlying credit card. That's why we created something even better: our Curve Customer Protection. You can read our blog post on it here.
Edited by: "Curve_Official" 14th May
I looked at this a while ago but...


What are the cons of Curve?

While it does have several plus points, there are some things you need to be aware of when using Curve:

There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.
Edited by: "devlino" 26th Apr
They hide it in the small print, but the fee free use abroad has lots of restrictions on the free card level. You will actually pay different rates (from 0% to 3.5%) depending on which country you're in, how much you've spent in the last 30 days and what day of the week it is (seriously!).

Their fees are higher than any other card on the market - the expensive cards from HSBC, Amex etc. 'only' charge 3%.

If you're after cheap spend abroad, Tandem offers a negative 0.5% fee on every single transaction regardless of spend, country or day, so it's cheaper than cash. And up to 4% cheaper than this Curve card!

I did get a bit excited when I saw the 1% cashback advertised... but the devil is in the details. You can never change your retailers, and there's lots of reports of Amazon purchases not counting (perhaps because they are markeplace?). 1% cashback on 6 retailers for £15 a month means you have to spend £1500 a month at just those shops to earn your money back - that's a heck of a lot.

There is some basic gadget insurance included in the fee, but it only covers phones up to a value of £800 so my iPhone isn't covered.
Edited by: "Return" 21st Jun
tek-monkey22 m ago

So you pay now and then choose which card to pay with at a later date? …So you pay now and then choose which card to pay with at a later date? I'm not sure how I feel about bundling my entire financial capability into one place.


You load all of your current cards into the App, and then select one of them to use. Then when you purchase using the Curve card, it forwards the charge to the card currently selected within the app. The idea being you can carry around just the Curve card instead of more than one card.

I tried this over a year back, but it was unreliable. About 2 months in, there was a notification through the App that the cards were down, so I was stuck without any payment method. I then started carrying around the Curve card and a second 'back-up' just in case Curve failed. At that point, I found it a bit pointless given I normally only ever carry two cards at most anyway.
195 Comments
I looked at this a while ago but...


What are the cons of Curve?

While it does have several plus points, there are some things you need to be aware of when using Curve:

There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.
Edited by: "devlino" 26th Apr
So you pay now and then choose which card to pay with at a later date? I'm not sure how I feel about bundling my entire financial capability into one place.
devlino5 m ago

I looked at this a while ago but...What are the cons of Curve?While it …I looked at this a while ago but...What are the cons of Curve?While it does have several plus points, there are some things you need to be aware of when using Curve:There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.


That’s me out
I've got one, never used it.
tek-monkey22 m ago

So you pay now and then choose which card to pay with at a later date? …So you pay now and then choose which card to pay with at a later date? I'm not sure how I feel about bundling my entire financial capability into one place.


You load all of your current cards into the App, and then select one of them to use. Then when you purchase using the Curve card, it forwards the charge to the card currently selected within the app. The idea being you can carry around just the Curve card instead of more than one card.

I tried this over a year back, but it was unreliable. About 2 months in, there was a notification through the App that the cards were down, so I was stuck without any payment method. I then started carrying around the Curve card and a second 'back-up' just in case Curve failed. At that point, I found it a bit pointless given I normally only ever carry two cards at most anyway.
devlino26/04/2019 14:48

I looked at this a while ago but...What are the cons of Curve?While it …I looked at this a while ago but...What are the cons of Curve?While it does have several plus points, there are some things you need to be aware of when using Curve:There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.


I think Paypal also excludes Section 75 cover!
devlino51 m ago

I looked at this a while ago but...What are the cons of Curve?While it …I looked at this a while ago but...What are the cons of Curve?While it does have several plus points, there are some things you need to be aware of when using Curve:There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.


"There's no Section 75 credit card protection."

Now that one is scary ... :-(

But fair enough I guess?.
devlino1 h, 0 m ago

I looked at this a while ago but...What are the cons of Curve?While it …I looked at this a while ago but...What are the cons of Curve?While it does have several plus points, there are some things you need to be aware of when using Curve:There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.


These are good points but when you know you're going to purchase something over £100, simply take the physical card of choice.

That's not to say that the s75 limitations and utilisation should see a greater audience. All credit to @devlino for raising it; do not take this to undermine that message.
Question : is it Google Pay compatible? If the underlying card is not Google Pay compatible, can I still use it as such?

Best answer is to get a GP compatible card, but I'm trying to limit the number of credit score affecting applications per annum to one.
Edited by: "justboris" 26th Apr
To many bad things, section 75, and if app or card doesn’t work, your phone runs out and you need to change card. Heat added for effort and might appeal to some
smallsteve35 m ago

I think Paypal also excludes Section 75 cover!


True
Got one since 6 months ago, used daily. Quite reliable, but you should carry a second bank card with you anyway. IMO the app was better a few months ago, but maybe because I was used with it that way. I carry this card with me and the phone with Starling, this combination never let me down. Hot!
Why not just use Google pay or Apple pay? What's the point of the card when you need to have a smart phone to have the app anyway. Solving a problem that doesn't exist.
crixus5 m ago

Why not just use Google pay or Apple pay? What's the point of the card …Why not just use Google pay or Apple pay? What's the point of the card when you need to have a smart phone to have the app anyway. Solving a problem that doesn't exist.


Because sometimes the app does not work. Or maybe you lose your phone or run out of battery. Some shops don't have wireless payments. Carry this one and the phone with you, if one does not work, the other should. Happened to me lots of times.
Edited by: "sheffield788" 26th Apr
devlino26/04/2019 14:48

I looked at this a while ago but...What are the cons of Curve?While it …I looked at this a while ago but...What are the cons of Curve?While it does have several plus points, there are some things you need to be aware of when using Curve:There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.


woah thats huge.
retrend8 m ago

woah thats huge.


Yep!, I have two word's for you - American Express ...

Via the 'correct' America Express card, you could buy a WHOLE house (literally), yeh?.

So that £30k ceiling earlier spoken of (for some at least), is just for starter's ... (eg. American Express Platinum).

But I do hear where you're coming from though. :-)
Code doesn’t seem to be working
Can't believe these guys are still alive.

It's good for a few weeks then the novelty wears off.

Still heat though.
In the age of ID fraud put all you eggs so to speak in one basket - You would have to be stupid. No free £10 is worth the risk voted cold
I've had one of these for just over a year, but I basically use it only where I can't pay with a 'credit card' as the curve card is a debit card- namely paye/ni bills (as an employer) and personal tax bills. However there are are daily, weekly and yearly limits, which means split payments etc, plus you can't load an Amex card. If Amex was allowed I'd be completely converted and would be happy paying for the top level of membership too, but alas Amex have withdrawn. Also the spending limits abroad are extremely small for the free card-too much hassle if you ask me.
Return5 h, 22 m ago

They hide it in the small print, but the fee free use abroad has lots of …They hide it in the small print, but the fee free use abroad has lots of restrictions on the free card level. You will actually pay different rates (from 0% to 4.5%) depending on which country you're in, how much you've spent in the last 30 days and what day of the week it is (seriously!).4.5% is a fee 50% higher than any other card on the market - the expensive cards from HSBC, Amex etc. 'only' charge 3%.If you're after cheap spend abroad, Tandem offers a negative 0.5% fee on every single transaction regardless of spend, country or day, so it's cheaper than cash. And up to 5% cheaper than this Curve card!


Easier to just get a travel card & load your spending money to that
mjpower426/04/2019 18:42

In the age of ID fraud put all you eggs so to speak in one basket - You …In the age of ID fraud put all you eggs so to speak in one basket - You would have to be stupid. No free £10 is worth the risk voted cold


A lot of people will forget to check with their banks if this is allowed & have trouble if fraud occurs I think. I was looking at similar & banks told me they don’t endorse it so I wouldn’t be covered if fraud occurred. I’ll wait u TIL these ‘all in one place’ & ‘app banks’ are a bit more tried & tested before I jump in.
Gracey9826/04/2019 20:22

A lot of people will forget to check with their banks if this is allowed & …A lot of people will forget to check with their banks if this is allowed & have trouble if fraud occurs I think. I was looking at similar & banks told me they don’t endorse it so I wouldn’t be covered if fraud occurred. I’ll wait u TIL these ‘all in one place’ & ‘app banks’ are a bit more tried & tested before I jump in.


That’s a valid point. Probably the most important.
faisel.khan1 m ago

That’s a valid point. Probably the most important.


Thanks
Looked for so long when they kept saying the Android compatibility was "Coming soon" and lost interest after about a year of waiting.
devlino7 h, 22 m ago

I looked at this a while ago but...What are the cons of Curve?While it …I looked at this a while ago but...What are the cons of Curve?While it does have several plus points, there are some things you need to be aware of when using Curve:There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.


Curve offers its own protection which is more or less equivalent to s.75.

support.imaginecurve.com/hc/en-gb/articles/213620489-Am-I-covered-by-section-75-of-the-Consumer-Credit-Act-?mobile_site=true

Also, has anybody that raves about the virtues of s.75 ever actually made a claim. The only claim I ever made was rejected for some arbitrary reason.

I’ve had a curve card since day dot. I like it very much and it’s allowed me to ditch having a wallet.
Edited by: "ms2005" 26th Apr
Avatar
deleted1568309
devlino9 h, 9 m ago

I looked at this a while ago but...What are the cons of Curve?While it …I looked at this a while ago but...What are the cons of Curve?While it does have several plus points, there are some things you need to be aware of when using Curve:There's no Section 75 credit card protection.Normally when you buy something costing between £100 and £30,000 and pay for any of it on a credit card, you get Section 75 protection which means your card firm's jointly liable with the retailer if things go wrong (see Section 75 for full info). Using Curve invalidates this protection, though you will still be able to use Mastercard's chargeback scheme.


A pretty big con. Thanks but no thanks.
I just use cash, cash for everything. Always have bundles of fifties. Cash is king! Long live the King!

(also then the banks, government, and the Mrs can’t track which pubs you spend all your money in)
Edited by: "unhappybunny" 27th Apr
Very rare I carry a wallet, cash or card these days. Applepay everything. Switching between cards at a swipe on the phone. Starling Card as day to day spends. Credit card for fuel (paid in full each month).
Not bothering taking any foreign currency to Budapest next month. Can Applepay bus ticket at airport to city centre. Same with tram ticket to hotel. Will pull £50 worth pocket cash from an ATM. Just for the very few cash only places. But leave the card in room safe with passports etc.
I had one of these cards, but cancelled it after 6 months. Worked ok, but did not provide any additional benefits that were useful. Break down of expenditure into various categories was good, but a lot of competitors provide this functionality now. Never used the ability to switch payments from one card to another after the purchase was made. Also, did not connect with Amex (did at one stage, but only for a few days as Amex then withdrew consent I believe). Nice black card though!
CRVE7 Isn’t working for me. I get invalid code error message. Alarm bells!
The main benefit is that you can withdraw cash from an ATM and have it charged to the card you choose. I charge it to my Tandem card in order to avail of the 0.5pc cashback. Note that some CCs may recognise it as an ATM withdrawal and charge a fee. Tandem doesn't (at least not yet).
Code worked okay for me, but only gave me £5 credit
Maybe for £100 but it really isn't worth putting all the effort for a tenner. Or a fiver, if ^^^gslgregory^^^ is right.
smallsteve26th Apr

I think Paypal also excludes Section 75 cover!


Not if you use Paypal credit
crixus26th Apr

Why not just use Google pay or Apple pay? What's the point of the card …Why not just use Google pay or Apple pay? What's the point of the card when you need to have a smart phone to have the app anyway. Solving a problem that doesn't exist.


Not all credit cards support Apple or Android pay, so this is another option
Post a comment
Avatar
@
    Text