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An update on using Curve Card to pay HMRC / Inland Revenue

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We wrote recently about how Curve Card looks like it could be a replacement way of earning miles and points from HMRC now that HMRC refuses to take credit cards.  The article is here.

Curve Card is a debit card which recharges your transactions to a linked Visa or Mastercard credit card, with no fees in the UK.  This has a lot of potential for earning miles and points at places where only debit cards are accepted, like HMRC.

When I wrote our latest article on Curve I didn’t expect cards to arrive in time for the January tax bill deadline.  Quite a few did, however, but some readers found that Curve did not want to process their transactions.

This is what the Curve team told me last week, which to be fair is also what they say on their site:

“When new users sign up and try to make a first payment of multiple thousand pounds (e.g. we’ve had well over £10k as a first attempt), it triggers our fraud engine. Understandable, I hope. This results in declined payments and that’s not the experience we want to provide. We have limits that increase over time (ie. with regular spending activity) in line with user risk profiles, so for some existing cardholders the payment has worked.”

As I wrote in the article, I paid £1750 in one transaction with no problems.  Your Curve usage limits also increase with use – a new cardholder may get a £15000 annual cap, whilst I have £50000 for example, having had a card for a year or so.

If you do pay self assessment, the best thing to do is to use your Curve Card for some general Visa and Mastercard spending over the next few months to build up your profile.  You will then be in a good position to use Curve to settle your 31st July tax bill.

One other thing to note – some people are still receiving the pre-paid Mastercard version of Curve.  If it doesn’t say ‘Debit’ on the front and you specifically want to use yours at places like HMRC, contact Curve via the app and they will replace your card with a debit version.

If you want to give Curve a try – and they will pay you £5 for trying it out if you use my referral code – full details are in this HFP article.  You will need a smartphone to use it.