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Which credit cards still treat Curve Card ATM withdrawals as a purchase?

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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)

Curve Card ATM withdrawals

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.)


Want to earn more points from credit cards? – November 2020 update

If you are looking to apply for a new credit or charge card, here are my November 2020 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here.

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these:

American Express Business Gold card

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

Earn both Avios and BA On Business points with your business spending Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.