Unfortunately, this deal is no longer valid
Curve Card - Minimise foreign transaction fees +  £10 bonus signup + 1% cashback in Ibiza (August) + with 3 other retailers (3 months)
646° Expired

Curve Card - Minimise foreign transaction fees + £10 bonus signup + 1% cashback in Ibiza (August) + with 3 other retailers (3 months)

£0.01£10
99
Refreshed 20th Jul (Posted 20th Jul)Edited by:"morgie"

This deal is expired. Here are some options that might interest you:

Whether you're going to Ibiza or not you may still have some interest here. During August they're offering a bonus 1% cashback on any spend in Ibiza plus the usual ability to avoid foreign transaction costs and the other perks outlined below including the £10 bonus cashback when you signup with code CRVE7 - credited within 72 hours after making your first transaction, no min spend.

What is Curve?

Curve is a physical (Debit) Mastercard that acts as a front to any other Visa or Mastercard you have along side an app that lets you select the actual card you spend on, analyse your spend etc. If you currently juggle spend across mutliple cards, this could appeal to you and lighten the bulk of your wallet.


What are the perks?

* £10 bonus cashback if you sign up with code CRVE7 or if you have a friend who uses the card you can split the £10 between you by using their referral (no referals allowed to be posted here though). The £10 will be added as Curve Rewards to your Curve Rewards account within 72 hours after making your first transaction with your Curve card, no min spend. Terms here

* 1% bonus cashback for the first 3 months at three merchants you select (once selected you can't change them). A nice way to 'stack' cashback if your underlying card also offers some.

* Eliminate hidden bank fees when spending abroad (save up to 5%). You can spend £500 a month abroad with no fee, 2% above that - see support.imaginecurve.com/hc/…ve-

* 1% bonus cashback in Ibiza during August

* "Travel back in time" (up to 14 days) and change the underlying card you made a transaction on.

* Optional email receipts and the ability to easily mark something as a business expense in the app. This feeds nicely into the analytics on your spend the app

* Ability to lock your card if lost/stolen. Imagine one swipe rather than calling several different banks to cancel cards, not to be underestimated.

There are also paid for versions of the card that can offer some bonuses like travel insurance, airport lounge access etc.


Delivery time for the card?

I signed up on a Sunday and my card arrived the following Thursday.


What about Google Pay / Apple Pay / Amex Card Support and Section 75 cover and paying at the pump?

Sadly not at the moment. They did offer Amex support for a bit, but my understanding is Amex pulled it. Instead of section 75 cover Curve offer their own customer protection on purchases - curve.app/en-…ion

Paying at the pump in a petrol station also seems to be an issue, assume to do with pre-authorising the card. It's fine to pay in the kiosk. Sounds like they're looking into this - credit @ainsy69


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I just use Starling card to avoid transaction fee..very good so far
I’ve been with Starling Bank for over a year now, I have used the card and the app in many countries in Europe. Never had an issue with it. I’ve even got it set up with Apple Pay on my ‘phone.... I’d recommend Starling to anybody.
Great idea, but as everything in Ibiza in August, is marked up by 20% more in the first place, not a great way to get any cashback!

Like that Curve are trying to come up with ways to keep up with the others, but they really need to sort out all the Curve Black beta holders first, without their £50 investments on startup, Curve would be struggling like some of the others are now!
Card is a pain in the arse when it comes to refunds. Often get delayed while customer services work out which card needs refund. Personally I would avoid
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Great idea, but as everything in Ibiza in August, is marked up by 20% more in the first place, not a great way to get any cashback!

Like that Curve are trying to come up with ways to keep up with the others, but they really need to sort out all the Curve Black beta holders first, without their £50 investments on startup, Curve would be struggling like some of the others are now!
bitcoin520/07/2019 18:49

Great idea, but as everything in Ibiza in August, is marked up by 20% more …Great idea, but as everything in Ibiza in August, is marked up by 20% more in the first place, not a great way to get any cashback!Like that Curve are trying to come up with ways to keep up with the others, but they really need to sort out all the Curve Black beta holders first, without their £50 investments on startup, Curve would be struggling like some of the others are now!


Very true! I assume anyone going there is August has their eyes open to it being peak season (so peak pricing), so I guess only over paying 19% (or a bit less saving on fees too) will help

They mention they're going to be offering bonus perks for other travel destinations in the future too. A nice way to add a bit more of a differential.
Edited by: "morgie" 20th Jul
morgie20/07/2019 18:52

Very true! I assume anyone going there is August has their eyes open to it …Very true! I assume anyone going there is August has their eyes open to it being peak season (so peak pricing), so I guess only over paying 19% (or a bit less saving on fees too) will help They mention they're going to be doing offering bonus perks for other travel destinations in the future too. A nice way to add a bit more of a differential.


Yes they are, there will be 14 other (+/-) locations, which I think will change monthly, which is a really cool idea and a lot of frequent travelers who use Curve a lot, will love, its free money after all
I use a curve card day to day and find it great, the only downside I've found is they don't work in pay at pump petrol stations, contacted support and they say it's a known issue that being looked into.
Edited by: "ainsy69" 20th Jul
1% cashback... That'll make the €15 bottle of water up Amnesia/Pacha that little less bit expensive!
ainsy6920/07/2019 18:58

I use a curve card day to day and find it great, the only downside I've …I use a curve card day to day and find it great, the only downside I've found is they don't work in pay at pump petrol stations, contacted support and they say it's a known issue that being looked into.


Fine to pay in the kiosk, assume it's an issue with the way pay at pump pre-authorises your card. Hopefully they'll have a way to work with this in the future. Added info to the OP, thanks.
Edited by: "morgie" 20th Jul
I just use Starling card to avoid transaction fee..very good so far
I use the card daily and the 'go back in time' function is very useful.
Pity you can't get cash from a credit card like you could when they first started.
Voted hot! Regardless the inflated prices, this has nothing to do with the card and 1% cashback is better than nothing. I use this daily in The UK, great idea to carry only one card with you, but I rely on my Starling app as well, as occasionally one of the 2 does not work. Prefer Starling or Revolut abroad.
Card is a pain in the arse when it comes to refunds. Often get delayed while customer services work out which card needs refund. Personally I would avoid
marckernow20/07/2019 19:14

Card is a pain in the arse when it comes to refunds. Often get delayed …Card is a pain in the arse when it comes to refunds. Often get delayed while customer services work out which card needs refund. Personally I would avoid


I've had a couple work fine to date. I think the trick is to ensure you've selected the same underlying card you spent on in the app when they're processing the refund? Am I missing something else(?)
morgie20/07/2019 19:16

I've had a couple work fine to date. I think the trick is to ensure …I've had a couple work fine to date. I think the trick is to ensure you've selected the same underlying card you spent on in the app when they're processing the refund? Am I missing something else(?)


It’s been mainly on part refunds. Twice now refunds have not been processed. Customer service put MasterCard claims in for both and were eventually processed.
marckernow20/07/2019 19:14

Card is a pain in the arse when it comes to refunds. Often get delayed …Card is a pain in the arse when it comes to refunds. Often get delayed while customer services work out which card needs refund. Personally I would avoid


I’ve had loads of refunds. Not had an issue with any. I use Curve has my main card home and abroad and it works well. I know just carry my phone with a card slot and my curve.

If Apple Pay were sorted it would be perfect.
Never used to have issues until I upgraded to Metal. Perhaps time fir another conversation with customer services
Is that a referral code?
I’ve been with Starling Bank for over a year now, I have used the card and the app in many countries in Europe. Never had an issue with it. I’ve even got it set up with Apple Pay on my ‘phone.... I’d recommend Starling to anybody.
Same as Starling, Monzo, N26 and a bunch of others lol
I have used both curve and startling over the past year. Have given up on curve. Too many issues. Lately they have been doing too much 'scheduled maintenance' which renders the card useless and leaves me stranded as i only used to carry the curve card alone. Startling on the other hand i can wholeheartedly recommend... You also do not get cover under section 75 of the cca with curve, just to be aware.
rijusbaby120/07/2019 22:06

Same as Starling, Monzo, N26 and a bunch of others lol


Did you actually lol?
anony_mous20/07/2019 21:45

Is that a referral code?


No, it's Pepper Promotion code so of course allowed by HUKD, see the link in the OP.
morgie20/07/2019 22:20

No, it's Pepper Promotion code so of course allowed by HUKD, see the link …No, it's Pepper Promotion code so of course allowed by HUKD, see the link in the OP.



Well it seems like referrals are £5 each and this is allegedly £10 to the new user, so it's probably just a promo.
anony_mous20/07/2019 22:22

Well it seems like referrals are £5 each and this is allegedly £10 to the n …Well it seems like referrals are £5 each and this is allegedly £10 to the new user, so it's probably just a promo.


Yes, it is a promo as I said. Just a reminder, no referals are allowed on HUKD.
If they would add Google Pay or Apple Pay then it would be a killer card..
Is this one of those dodgy ‘app’ banks/cards that are unregulated and ask you to upload government ID and selfies and stuff
JoeSpur20/07/2019 22:28

Is this one of those dodgy ‘app’ banks/cards that are unregulated and ask y …Is this one of those dodgy ‘app’ banks/cards that are unregulated and ask you to upload government ID and selfies and stuff


No
Just reading all the comments and have to say that Curve isn't a bank or a building society - you don't actually have any money with them - just some curve cash/points
To compare them to Starling Monzo et al is completely wrong you can only use a Curve card with another bank or credit card linked to it and these could be Starling or Monzo or Barclays
They provide a service which is either free or you pay for and it's a great convenience to me and many others but like everything we have a choice to use or not
Criticism where it's justified is merited but where it's not is misleading
icap211620/07/2019 22:48

Just reading all the comments and have to say that Curve isn't a bank or a …Just reading all the comments and have to say that Curve isn't a bank or a building society - you don't actually have any money with them - just some curve cash/points To compare them to Starling Monzo et al is completely wrong you can only use a Curve card with another bank or credit card linked to it and these could be Starling or Monzo or BarclaysThey provide a service which is either free or you pay for and it's a great convenience to me and many others but like everything we have a choice to use or not Criticism where it's justified is merited but where it's not is misleading


We are just asking the question
mush786uk20/07/2019 22:11

You also do not get cover under section 75 of the cca with curve, just to …You also do not get cover under section 75 of the cca with curve, just to be aware.


I'd mentioned this and the alternative cover they do offer in the OP.
Why it is asking for photo and additional photo id ?
metastasis220/07/2019 23:19

Why it is asking for photo and additional photo id ?


Where are you seeing this?
This is the same deal and code that was posted a month ago. It’s just plain wrong to say this card avoids foreign transaction fees.

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 premium subscription fee, but it only covers phones up to a value of £800 so my iPhone isn't covered.

Unless you’re spending thousands of pounds in Ibiza next month, there are much better and more transparent deals out there.
Return20/07/2019 23:51

This is the same deal and code that was posted a month ago.


Same code, but I understood I was within the time frame to re-post at HUKD and I was also trying to emphasize the Ibiza offer as well as the other perks as they stand.

Return20/07/2019 23:51

It’s just plain wrong to say this card avoids foreign transaction fees. T …It’s just plain wrong to say this card avoids foreign transaction fees. They hide it in the small print, but the fee free use abroad has lots of restrictions on the free card level.


I can only go from their site and my use so far. I think you're thinking of the up to £500 bit? I'll add a clarification to the OP.

As of the 20th of September, Curve does not charge fees foreign transactions or ATM withdrawals made abroad, subject to our Terms of Service.

You can make purchases in foreign currency converted at the real exchange rate i.e. the rate at which banks exchange money, also known as the interbank rate or mid-market rate. There are certain limits on the amount up to which you can make fee free transactions or ATM withdrawals, after which charges will apply.

Please note, if the currency of your transaction and the currency of the underlying payment card used with Curve is the same, Curve will always pass through the transaction with no additional fees.

For Curve Blue (free) customers, you can spend of £500 per month with no currency conversion fees. From £501 and above (cumulative) a month, you will be charged an additional 2% as currency conversion fees.


Source: support.imaginecurve.com/hc/…ve-

Return20/07/2019 23:51

I did get a bit excited when I saw the 1% cashback advertised... but the …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?).


I mentioned you can't change them once selected in the OP. I've selected Amazon as one of my 3, I get notified instantly about the bonus points, all as expected so far, but I've possibly not purchased anything from the market place. I may get to test.

Return20/07/2019 23:51

There is some basic gadget insurance included in the premium subscription …There is some basic gadget insurance included in the premium subscription fee, but it only covers phones up to a value of £800 so my iPhone isn't covered.


As you say, that's for the paid for service - I'm only really explaining a deal with the free card here. iPhone users would miss out (but I presume just not purchase the service). The majority of Android users would be fine with the up to £800 cover.

Return20/07/2019 23:51

Unless you’re spending thousands of pounds in Ibiza next month, there are m …Unless you’re spending thousands of pounds in Ibiza next month, there are much better and more transparent deals out there.


If you're spending any money in Ibiza next month this could help, it's obviously not life changing, but a nice offer that I don't see any banks or credit card companies making. I've been using my Revolut card as one of my cards behind the Curve card when abroad, no reason why anyone else couldn't do this or similar with any other cards.
Steveyorkie20/07/2019 19:06

I use the card daily and the 'go back in time' function is very …I use the card daily and the 'go back in time' function is very useful.Pity you can't get cash from a credit card like you could when they first started.


Cash withdrawal works fine here
If you use Curve with a credit card and when you buy online will it see it as a debit card?
metastasis220/07/2019 23:19

Why it is asking for photo and additional photo id ?


I signed up added card and now got email link to upload photo id, a recent photograph . That is stupid if I am going to link my own card still need to send them all...
kevchavda21/07/2019 08:22

If you use Curve with a credit card and when you buy online will it see it …If you use Curve with a credit card and when you buy online will it see it as a debit card?


Yes, the Curve card itself is a Mastercard Debit card. Some advantages spending in places such as Costo where they wouldn't allow you to use a credit card, but you can use Curve with the underlying card as one of your credit cards.
metastasis221/07/2019 08:54

I signed up added card and now got email link to upload photo id, a recent …I signed up added card and now got email link to upload photo id, a recent photograph . That is stupid if I am going to link my own card still need to send them all...


Never seen or heard of them doing this before, sorry. Maybe someone else knows. @Curve_Official maybe you are able to comment on why this may happen or if it's becoming standard practice?
morgie21/07/2019 08:58

Yes, the Curve card itself is a Mastercard Debit card. Some advantages …Yes, the Curve card itself is a Mastercard Debit card. Some advantages spending in places such as Costo where they wouldn't allow you to use a credit card, but you can use Curve with the underlying card as one of your credit cards.


So will work for paying taxes?
Great deal. I have Starling, Curve, and Revolut (as well as Halifax Clarity) but I keep going back to curve as my go-to for foreign business trips, even with the weekend surcharge.

Obviously most of the new tech options have instant spending notifications, ability to add a photo of receipts, and minimal/free foreign transaction fees. However, the ability for my spending with Curve to just be passed through to a credit card (and earn reward points) is really useful to me. No topping up of the accounts, no consideration if there's enough credit available - just straight pass through to the credit card.

I'd still opt for Halifax Clarity for big foreign purchases though, thanks to S75 protection. And some of the features in Revolut and Starling are always worth going back to (virtual cards and higher limits, for example)
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