Here is a quick update on our story last week that Curve Card is now coding ATM withdrawals in a way which allows your credit card issuer to spot them. You can read about that here.
The coding changes were apparently fully operational from Friday. This is what we have seen so far – but expect changes:
Tesco Bank credit cards – ARE adding a 2.95% cash advance fee to ATM withdrawals done via Curve (reader feedback)
HSBC credit cards – are NOT adding cash advance fees, withdrawals still treated as purchases (reader feedback)
Creation credit cards – are NOT adding cash advance fees, withdrawals still treated as purchases (my own feedback, see screenshot below)
MBNA credit cards – less clear because I have only tested this on a Horizon card which offers free ATM withdrawals in the UK anyway. I won’t know until my statement is generated whether or not my test withdrawal was treated as cash and so incurred a small interest payment.
More reader feedback is welcome, especially with Barclaycard / Hilton cards. I am only interested in ATM withdrawals made since last Friday and not earlier.
Remember that this is a very fluid situation so keep an eye on your statements regardless. It is also possible some charges could get added on later when statements are produced.
(EDIT: reader comment below says that Barclaycard is not charging either. Tesco Bank appears to be the only one so far.)
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