Free Curve Card, potentially free £5 in rewards points too (Do NOT offer/request referral codes)
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Free Curve Card, potentially free £5 in rewards points too (Do NOT offer/request referral codes)

37
Found 4th Mar
I've had this card for a couple of weeks now and really impressed with it. It's not a bank card, it's not even an online bank card like Monzo or Revolut, it's simply a card to link all your other ones to.

So instead having 5-6 bank and credit cards I now have two; my Curve and a backup debit card (because I'm always wary).

It's just brilliant! You set on the app which card you'd like to use, then use your curve card online and in shops and it comes off the card you have set. Load up the app, swipe to another and it will use that one.

What's more you can also "Go back in time" once per transaction, so if you put it on the wrong card or have changed your mind, you can change the card it came off. I think that has to be done within 14 days of the transaction.

What's MORE is you also get rewards points at certain places for using the card. Zizzi, B&Q, Debenhams etc all give 1.5% which are awarded as points on your virtual Curve card. To spend them simply make sure you have enough points for your transaction, select your curve card to spend on and spend away. By using a referral code from an existing member I also got 500 point (£5) for free which was a nice bonus (they appear as pending until you've made your first purchase with the card).

On top of that they also offer some currency foreign transfer type perks where they charge a flat 1% fee. Not the best around, I probably won't use it but it's better than most normal bank cards I guess.

The app is really slick on android, haven't seen it on iOS, and it aggregates all your spending into a "timeline" so you can see all the takeaway you've bought
Only thing it doesn't have is Android/Apple/Samsung/Fitbit pay, but if your bank already supports them then you can always pay on your phone using android pay direct to your bank.

Just be aware that there's a waiting list when I signed up... took a few weeks to come.

But yeah... I've been really impressed with it. Hopefully it won't just be another failed card like that Supercard thing from Travelex but we'll see.

Oh and I've just got back from Costco where I used my Curve card successfully, and my curve card was linked to a credit card. This means it seems you can now spend on your credit card in costco using this method - useful to some perhaps. Don't blame me if it doesn't work but it did for me
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There’s no Section 75 protection

Don't use it to buy goods over £100, use the credit card directly.

Source (from curve themselves): support.imaginecurve.com/hc/…489
Edited by: "ritchie1" 4th Mar
No Section 75 protection! No chance of me using it. Which is a shame as i liked some of the features described in the Which article.
34 Comments
There’s no Section 75 protection

Don't use it to buy goods over £100, use the credit card directly.

Source (from curve themselves): support.imaginecurve.com/hc/…489
Edited by: "ritchie1" 4th Mar
It's great. Had mine for about 6 months, while I don't use it on a day to day basis, it's exceedingly handy for travelling as you don't pay the banks extortionate transaction fees for foreign spending.
Only 45,700+ people in the queue at the moment ..
Sounds good but I try to use AMEX all time unless merchant don’t accept. Then backup MasterCard.
I am off as we cant link amex
No Section 75 protection! No chance of me using it. Which is a shame as i liked some of the features described in the Which article.
I had curve premium for couple of week and I returned it as I was not impress as it advertise. It is same as paypal...except curve provide physical plastic card.
Edited by: "Mak26" 4th Mar
So.....

Get wallet out, pick card, pay cashier....

Or....

Get wallet out, get card out, get phone out, unlock phone, do security on app (it better have extra an layer of security) select card to use, put phone away, pay cashier...

Revolut is a far far better.
Original Poster
Admast7911 m ago

Revolut is a far far better.


Different type of card, it's not a competitor.
DingIs11 m ago

So.....Get wallet out, pick card, pay cashier....Or....Get wallet out, get …So.....Get wallet out, pick card, pay cashier....Or....Get wallet out, get card out, get phone out, unlock phone, do security on app (it better have extra an layer of security) select card to use, put phone away, pay cashier...


Yes if you change card every time you spend. For me I have a default then occasionally put something on a credit card or different bank. Handy I don't have to take those "occasional" cards out anymore.

Dave47 m ago

Only 45,700+ people in the queue at the moment ..


Should move fairly quick. I seem to remember it being a similar number when I signed up and got mine in 2-3 weeks I think.
Mike62622 m ago

Different type of card, it's not a competitor. Yes if you change card …Different type of card, it's not a competitor. Yes if you change card every time you spend. For me I have a default then occasionally put something on a credit card or different bank. Handy I don't have to take those "occasional" cards out anymore.Should move fairly quick. I seem to remember it being a similar number when I signed up and got mine in 2-3 weeks I think.


I use 3 or 4 cards depending on shop, as should anyone with any sense...
Could you have 2 curve cards with the same account on them? We have a credit card we use but its only in one of our names so could we both have this one card on two accounts?
harlzter54 m ago

Could you have 2 curve cards with the same account on them? We have a …Could you have 2 curve cards with the same account on them? We have a credit card we use but its only in one of our names so could we both have this one card on two accounts?


I rang my bank and got a 2nd card with the wife's name on it, same number etc.
Listen to the people here raising concerns on the no Section 75 protection. This is where you are covered by the credit card company for purchases between £100 - £30,000 if something goes wrong! You really do not want to be using something that removes your Section 75 protection!
Mine was 45K waitting list, As per current demand, when my card will get delivered, and idea ?
I went for this a few weeks back and received it within a couple of days. It works great and would highly recommend it.
Had mine for over a year now I think. It's great for me as I can see at a glance what I have used and where.. It's not infallible, I have stopped using it on Amazon for example, as the transaction goes through straight away instead of when Amazon has shipped the goods... so instead of the money being placed "on hold" at your bank the money has actually come out of your bank to curve, so if you changed your mind and cancelled the order, you then have to wait for curve to refund you your money back, which can take 10 days.
But for things like tesco shop and stuff where you're physically at the store, or not likely to change your mind before the order has shipped it's great. You can add notes too, so you know exactly what the amount was paying for. And the best thing is that if you're only using your curve card then loads of businesses then don't even HAVE your debit/credit card info to lose, just the curve card, which you can block within seconds.
Euclid4th Mar

Listen to the people here raising concerns on the no Section 75 …Listen to the people here raising concerns on the no Section 75 protection. This is where you are covered by the credit card company for purchases between £100 - £30,000 if something goes wrong! You really do not want to be using something that removes your Section 75 protection!


Surely if you are going out to specifically spend over £100+ on a product which required the section75, then you just take the card you want. However, if you have multiple cards for different things, ie joint accounts, personal accounts, business accounts, credit cards, then surely this can be a good thing?
Euclid4 h, 28 m ago

Listen to the people here raising concerns on the no Section 75 …Listen to the people here raising concerns on the no Section 75 protection. This is where you are covered by the credit card company for purchases between £100 - £30,000 if something goes wrong! You really do not want to be using something that removes your Section 75 protection!


Seems to be little known, but tou can actually part pay to get Section 75 protection. No need to pay the full 30k on your credit card - you could just pay £100 on the card and the balance by another method.
Original Poster
deleted579594th Mar

What’s the point if this card I have Apple Pay all my cards are on my p …What’s the point if this card I have Apple Pay all my cards are on my phone and section 75 still applies for everything else I have revolut and monzo


Things over £30, withdraw cash from any card etc. I have monzo too - added the monzo card to curve so don't even need to bring it with me Starling bank too.
carnivaist2 h, 8 m ago

Seems to be little known, but tou can actually part pay to get Section 75 …Seems to be little known, but tou can actually part pay to get Section 75 protection. No need to pay the full 30k on your credit card - you could just pay £100 on the card and the balance by another method.


....but doesn't that undermine the whole premise of this rolled-up service?
DingIs8 h, 50 m ago

So.....Get wallet out, pick card, pay cashier....Or....Get wallet out, get …So.....Get wallet out, pick card, pay cashier....Or....Get wallet out, get card out, get phone out, unlock phone, do security on app (it better have extra an layer of security) select card to use, put phone away, pay cashier...


Curve is way better than you suggest here, to start with if you are a multi card carrier and you lose your wallet then the thief will have access to all your credit if he is quick enough and smart enough, however using the curve card which you could store all your cards on but can only have 1 selected to use at any 1 time, so thief will only have access to the avail funds on that single card and if you are quick enough you will have already froze your card before this happens without having to call your card supplier.

I have a friend who use to carry enough plastic thast if she lost it someone could have bought a bloody Ferrari at her expense, but now I have got her onto curve and she loses her wallet the worst case scenario is that someone may be able to buy a clapped out old Mondeo...

This card is pretty great in my eyes, and I'd compare it more to a card that has thed same functionality as Google pay.

So it is way more secure than having 10 cards in your back pocket, it is just unfortunate that it loses the section 75 protection.

Also, it allows me to share my bank account with my gf, she uses the real bank card and as i hsve it loaded on to my curce card I can a also access the same account, effectively giving me more freedom...

I think you should get 1 and give it a go, you will be impressed.
trevwmitchell16 m ago

Curve is way better than you suggest here, to start with if you are a … Curve is way better than you suggest here, to start with if you are a multi card carrier and you lose your wallet then the thief will have access to all your credit if he is quick enough and smart enough, however using the curve card which you could store all your cards on but can only have 1 selected to use at any 1 time, so thief will only have access to the avail funds on that single card and if you are quick enough you will have already froze your card before this happens without having to call your card supplier. I have a friend who use to carry enough plastic thast if she lost it someone could have bought a bloody Ferrari at her expense, but now I have got her onto curve and she loses her wallet the worst case scenario is that someone may be able to buy a clapped out old Mondeo... This card is pretty great in my eyes, and I'd compare it more to a card that has thed same functionality as Google pay.So it is way more secure than having 10 cards in your back pocket, it is just unfortunate that it loses the section 75 protection.Also, it allows me to share my bank account with my gf, she uses the real bank card and as i hsve it loaded on to my curce card I can a also access the same account, effectively giving me more freedom... I think you should get 1 and give it a go, you will be impressed.


No thanks, too much stuff I don't like about it..
... and I have a joint account, you're bank might not be happy with you giving your gf your card, if they find out they can deny responsibility if you get scammed, you will effectively be liable for all fraud and their costs...
Euclid46 m ago

....but doesn't that undermine the whole premise of this rolled-up …....but doesn't that undermine the whole premise of this rolled-up service?


I wasn't commenting on that either way. Just letting people know that they can get Section 75 with part payment by Credit Card.
I don't know why this is cold, too many very cautious people, no wonder some people don't progress!! I have this and it's brilliant.
carnivaist11 h, 48 m ago

I wasn't commenting on that either way. Just letting people know that they …I wasn't commenting on that either way. Just letting people know that they can get Section 75 with part payment by Credit Card.


It was a very good and valid point you made.
Euclid4 h, 47 m ago

It was a very good and valid point you made.


Spoken like a true philosopher.
That was quick, I was at the front by this morning
Why bother?
I think I'll stick to my AMEX
Mak264th Mar

I had curve premium for couple of week and I returned it as I was not …I had curve premium for couple of week and I returned it as I was not impress as it advertise. It is same as paypal...except curve provide physical plastic card.


PAYPAL now offer the ability to get a card from them. Its new :-)
tashacx1 h, 47 m ago

PAYPAL now offer the ability to get a card from them. Its new :-)


Err, it's not new at all. I've had a Paypal prepaid Mastercard (i.e. prepaid card linked to my Paypal balance) for the last 5 years.
Edited by: "cb-uk" 6th Mar
I applied for mine 2 days it just arrived in the post.

I know there seems to be mixed opinion on this but i'm sold on the concept, as for the section75 protection , you still have full mastercard chargeback and its no difference to me as i would use a CC for a purchase over £100 anyways.

The main selling point for me was travelling, instead of possibly loosing numerous cards if my wallet got lost/ stolen i can now only have to worry about one card i can instantly stop and still have my normal cards active without the hassle that causes.
Did anyone go for the TUMI wallet limited offer with this?
Worth it?
monkeyboy4482 h, 10 m ago

Did anyone go for the TUMI wallet limited offer with this?Worth it?


The wallet is a complete rip-off - it's simply an overpriced RFID wallet (which has a thin layer of metal mesh built into it to reduce the chances of data being remotely scanned)

You can get a similar wallet from China for about £3.50 if you can wait 10 - 14 days or so. For example: aliexpress.com/ite…html

Other alternatives are available in eBay for slightly more if you need something sooner.

HTH
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