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Curve Card relaunches – charge ANY debit or credit card payment to your American Express

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Curve Card launched its new subscription plans on Monday – and it is very interesting, to say the least.  It is also a major departure for Curve as it tries to create a sustainable business model.

From today, if you are a Curve customer in the UK, you can use a Curve Mastercard to pay for anything and have it charged to any American Express card you own.

(UPDATE:  American Express withdrew from Curve shortly after this article was published! Unless you want to read this article for a history lesson, I suggest that you click here to read this 2020 article instead which explains how Curve currently operates, without American Express.)

Even merchants who only accept debit cards, such as HMRC, can be used with Curve.  Your tax payments can now go through your Amex card.

When you top-up your Curve card with an Amex, it will go through as a purchase.  This means it will earn you points on your American Express card and count towards any spending target such as the British Airways American Express 2-4-1 voucher.

The only exception is that you are not allowed to use your Curve Card to pay a credit card bill, unless your Curve Card is linked to a debit card.

Importantly, you CANNOT have ATM withdrawals charged to your Amex card.  You can have ATM withdrawals charged to most Visa or Mastercards as a purchase, unless you are a Tesco Bank or NatWest / BoS credit card holder, as long as you remain within Curve’s ‘fair use’ guidelines.

To summarise what Curve will now cost you:

The basic Curve Card remains FREE – in fact Curve will pay you £5 for trying it out if you use my referral code of OQB4J

Curve Black costs £9.99 per month and allows £1,000 per month of free American Express top-ups (0.65% thereafter)

Curve Metal costs £14.99 per month or £150 per year and has unlimited American Express top-ups, a choice of three cool metal cards to choose from and some travel and insurance benefits

What is Curve?

Let’s start by saying what Curve isn’t.

Curve is NOT a bank account.  It is NOT like Revolut, Monzo, N26, Starling or Monese.  If you take out a Curve Card you are NOT getting a ‘current account on a card’.

Curve is simply an intermediary card, a card (a Mastercard) to which you can link all of your existing payment cards, whether they be debit or credit, Visa, Mastercard or American Express.

Via the Curve app you can select which linked card you want to use at any particular time.  Curve transactions are automatically recharged onto that card.  Even if a shop does not accept American Express or even credit cards at all, you can pay with your Curve Mastercard, which is a debit card.

Transactions are processed in two different ways:

If you have a Visa or Mastercard linked to your Curve Card, any transaction you make is automatically recharged to the relevant Visa or Mastercard by Curve.  Your card statement will show as ‘CRV*XXXXXX’ with XXXXXX being the name of the original merchant.

If you have an American Express linked to your Curve Card, you need to use the app to load funds from your Amex card into an e-wallet.  Purchases are then debited against the balance in your e-wallet.  All you will see on your American Express statement is a series of charges (treated as purchases) for funds uploaded to your e-wallet.  You can enable ‘auto top-up’ to automatically fill your e-wallet – rounded up to the nearest £100 – if you do not have enough money in your e-wallet at the point of purchase.

Curve has some other unique features:

Cash withdrawals are charged as a PURCHASE.  Yes, a £200 cash withdrawal on your Curve debit Mastercard will be recharged as a £200 purchase to your linked Visa or Mastercard (not Amex).  This is FREE but there are limits on cash withdrawals based on the Curve Card variant you have.  Note that Tesco Bank and NatWest / BoS do NOT allow credit card holders to make free cash withdrawals via Curve and other banks may follow in time.

Overseas purchases are converted without an FX fee during Monday to Friday (except for free Curve Blue which is capped at £500 per month of free FX transactions with a 2% fee beyond that).  This is a better deal than using a separate free ‘no rewards’ credit card with 0% FX fees because you still earn rewards on the underlying linked card.  On weekends and UK public holidays, a 0.5% fee is added for € or $ transactions and 1.5% for other currencies.

Before we go on ….

Whilst the ability to recharge all of your Visa and Mastercard debit and credit payments to American Express is clearly great, you should do the maths before deciding whether to get a paid Curve Card instead of the free Blue version.

How much money do you spend each month at places which do not accept Amex but do accept Mastercard debit cards?

Council tax is an obvious possibility, along with some utility bills.  The big winners are people who pay HMRC, whether that is for PAYE, self employed income tax and NI or VAT.  Even then, you will need to work around Curve’s daily, weekly and monthly payment limits which get higher as you use the card.  This will require you to break down large tax bills into numerous instalments.

Note that you cannot use Curve to pay a credit card bill.

You also need to think about how much money you spend abroad which could be recharged to an Amex.  If you currently use a 0% FX fees card with no rewards, you will be better off with Curve because of the rewards earned on the card your purchase is recharged to.

If you currently use an Amex card abroad and pay the 3% FX fee, you can now save all of that.  Note that Curve imposes a 0.5% fee for $ and € FX transactions (1.5% for other currencies) on a Saturday and Sunday which could be troublesome, especially if you check out of a hotel on a Saturday with a large bill to pay.

What are the Curve Card limits?

Irrespective of the limits on your underlying cards, Curve has its own daily, monthly and annual limits.  Your limits are increased as Curve begins to ‘trust’ your behaviour.

These are the maximum limits you can get:

Daily spend (inc ATM withdrawals) – £4,500
Daily ATM withdrawal cap – £1,000
Monthly spending limit (on a rolling 30 day basis) – £120,000
Annual spending limit – £1,400,000

This should cover even the highest tax bills.  As I said, though, you have no chance of being given a limit anywhere close to this on Day 1.  The limit you get is not linked to the type of Curve Card you use.

What are the three different types of Curve Card?

In this part of the article I will review the new Curve Metal product, as this is the one which is the most striking and has the most benefits.

Part 2 of this article covers Curve Black and the free Curve Blue.

What are the features of Curve Metal?

The Curve website compares the free different types of Curve Card.

Fee: £14.99 per month, or £150 annually (if you pay monthly and cancel or downgrade within six months, a £50 cancellation fee will apply)

Card:  Funky 18g brushed metal card in red, blue or rose gold.  I have been trialling the blue one and it is a bit boring to be honest so I’d recommend one of the others.

Availability:  UK residents only

Amex usage cap:  None and no fees

Foreign exchange fees:  Unlimited transactions with no fee (0.5% fee $ or € and 1.5% fee for other currencies applies to transactions made on a Saturday or Sunday)

ATM withdrawals:  Overseas: £600 per month for free, 2% thereafter (can only be charged to a Visa or Mastercard) / UK: 10 free withdrawals per month (max £200 per day, fair use policy applies), 50p fee thereafter

These are the key benefits.  There are other benefits which I do not value highly but which some readers may find useful:

Travel insurance underwritten by AXA  (this looks OK with an age limit of 70, although the rules are stricter than many policies in terms of, for example, sports you may not play on holiday)

Gadget insurance (maximum value £800 with a £50 excess)

Car rental CDW waiver coverage  (I have this via Amex Platinum but if you do hire cars and don’t have a standalone policy this will be worth something to you – the car must be worth under £25,000 however)

Airport lounge access via LoungeKey (this is NOT free access, you will need to pay a fee of around £15 per visit)

1% cashback from six premium retailers for the first 90 days of membership.  This is on top of the rewards you will earn from your underlying card.

This card has the possibility to be VERY attractive to Head for Points readers.  Let’s look at a couple of key areas:

Your ATM withdrawals (10 per month in the UK for free, £600-worth per month in foreign currency) will earn you miles and points on any underlying Visa or Mastercard.  This will also count towards spend-based bonuses on those cards.  This can offset a lot of the annual fee.

You can charge all of your foreign spending to a miles or points earning card – including an Amex – whilst paying 0% FX fees, which should lead to a sharp increase in your points earning (0.5% fee $ or € and 1.5% fee for other currencies applies to transactions made on a Saturday or Sunday)

You can charge some day-to-day debit card spending to Curve and turn it into spend which earns miles, points and ‘spend-related target bonuses’

If I can get a high enough limit on my Curve Card, for example, I will able to charge my six figure PAYE, VAT and personal tax bills to my BAPP American Express card.  This will be a major boost to my Avios earning.  It also opens up the possibility of hitting spend targets such as the £37,500 of spend required on the IHG Rewards Club Premium Mastercard to be given top tier Spire Elite status.

Is Curve Metal worth £2.50 to £5 per month more than Curve Black?

That’s a good question.  If you pre-pay for Curve Metal at £150, the difference in cost is only £30 per year or £2.50 per month.  For your extra £2.50, you get a snazzy metal card plus:

  • Unlimited Amex usage (Curve Black is capped at £1000 per month for free and charges 0.65% afterwards)
  • CDW car rental insurance (not part of Black)
  • £600 vs £400 of free overseas ATM withdrawals (this in itself is worth £1 or so in extra Visa or Mastercard rewards)
  • Travel insurance includes lost baggage and personal belongings (Curve Black does not)
  • No ability to pay £15 per visit for LoungeKey airport lounge access

On this basis, I think Curve Metal justifies the small extra fee.  However, for many HfP readers the free Curve Blue card will be enough as I show in Part 2.

In Part 2 ….

In my second article today I will review Curve Black and the free Curve Blue.  Click here to read it.

How to apply for your Curve Card (free if you choose Blue)

Curve will pay you £10 for trying it out if you use our link.


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American Express Business Platinum

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Capital on Tap Pro Visa

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Comments (576)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Peter K says:

    Anyone else unable to top up their amex account on curve until the amex card is verified?

    • Liz Murray says:

      You can verify immediately as Amex shows the payment made from curve in your pending payments pretty much immediately.

    • Mark2 says:

      Do you really want to do that?

  • James says:

    Curve was nice and simple when it first started, now all this seems a bit of a faff, overly complicated and over engineered.

  • James says:

    If Curve goes bust what happens to the money you’ve deposited with them from your Amex card ?

    • Shoestring says:

      Scanning the terms of service: you’re stuffed 🙂

      • Polly says:

        Well, wait til you get the news when you wake up..

        Amex have backed out once again!

        And BILLhop!

    • Nigel says:

      If Curve goes bust, your money should not be used. It appears to be emoney issued by a separate company (Wirecard Card Solutions), which has strict FCA rules on keeping client money separate. Assuming Wirecard Card Solutions has followed the rules correctly, your money should be sitting in a bank account ready for you to claim back.

  • James says:

    The ability to pay off my Amex card and another credit card using a third credit card via Curve had become my main use for Curve and very nice it was too.

    Big shame to lose this benefit whilst gaining a gimmicky ‘top-up’ Amex system.

    • Mr Dee says:

      All the payments are reported to your credit file as well, hence not a good idea to go too far

  • jean says:

    So the main benefit seems to be able to pay HMRC with your Amex… not sure what sort of tax bill you can pay with a £4,500 daily limit? And I’m not sure the tax man like a string of 10-20 card payment to settle an account.

    • Andy says:

      Seems like from twitter and the comments here people aren’t able to pay off HMRC today. Curve maybe should have thought that through when relaunching two days before the tax payment deadline!

      • EwanG says:

        @Andy. Maybe it is precisely the reason why they moved from Beta to live yesterday and not any later!!

    • Neil says:

      Splitting it into multiple payments hasn’t been an issue in the past. As others have reported it’s not working today though as Securecode appears to be down.

    • Rob says:

      I have paid my tax bills in 20+ payment chunks for years with no problems. Had little choice in the matter since MBNA used to get a bit funny with anything over £2,500.

      • Barry says:

        +1

      • Froggitt says:

        A number of people here paid their tax bill in chunks of £25 a time until a couple of years ago :O)

        • Polly says:

          Yes, we remember it well.. those were the days, never to be seen again..that group of irish investment bankers need to get us a new product.
          Thought pay.com was to take over…???

  • Neil Holland says:

    Is the Mon 00:01 to Friday 23:59 restriction based on GMT / BST or local time?

    If using overseas to recharge MasterCard to BA PP Amex and I’m in the far east or California this would be handy to know!

    • TheSkintTraveller says:

      Are normal purchases going through OK today as reading comments of online purchases not working?

  • SIMON says:

    When Curve was first launched back in the Dawn of Time (!!!) I seem to remember a ‘health warning’ re the Consumer Credit Act. Essentially you had no redress on Curve (as an intermediary) if, say, your holiday package went pear-shaped. So it was better just for cumsumables (fuel, groceries etc etc) and not flights, holidays, capital items – any where where you would like to have the CCA as a safety net. True/False??

    • Genghis says:

      True.

    • TGLoyalty says:

      Thought you could pay a portion of it directly with a card with s75 protection and be covered.

      Main thing here is that curve is meant for everyday spend and holidays etc

      Or maybe it’s just me who doesn’t need s75 protection for their bar bills

      • Shoestring says:

        yes if you pay over £1 on the Visa/ MC & total cost is more than £100, less than £30K

  • vol says:

    OT – I have a four hour stop over in Madrid in March – I just wanted to know how I can access a lounge (I’m flying economy) for free preferably 😀 or very cheaply otherwise 🙂

    Gracias 😀

    • Shoestring says:

      Trata de mentir y hacer trampa para entrar en el salón.

      • vol says:

        naughty naughty Shoestring :p

      • Anna says:

        Hombre!

      • Mike says:

        Cree el ladrón que todos son de su condición…

        In other words, this comment of yours and the one below (“When in Spain”) is quite telling about yourself, more so than about Spaniards.

        Anyway, vol, if you are interested, the airport-operated lounges at Barajas are affiliated with all major programmes, including PP and Loungekey. If you don’t have one of these (and assuming you have no airline status), then entry is around €30 at the door.

    • TheSkintTraveller says:

      Unless you have airline status your looking at paying for lounge access. Try Google for finding the best deals, someone here might have knowledge of discount codes.

      • vol says:

        was hoping someone would here would know some discount codes Skinttraveller

        • Shoestring says:

          Madrid is pretty big but Priority Pass has quite a few lounges – your best bet if you want it free is to time your Plat application so that you can get away with just a month’s subscription (£37.50), use several lounges passes in the month, make several Amex referrals to more than pay for it all.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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