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Your Curve Card now works with Apple Pay

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Curve Card launched Apple Pay integration yesterday.

This means that, at last, you can add your Curve Card to your iPhone or Apple Watch.

Whilst this was a slightly odd missing feature – Google Pay has worked with Curve for some time – it is also fair to say that it isn’t necessarily a key one.  The key selling point of Curve Card is that you can consolidate all of your existing credit cards onto it, meaning that you don’t need to carry them all around.  This isn’t a problem with Apple Pay, since you can add all of your existing cards anyway and it doesn’t make your phone any heavier!

Curve card

The only obvious upside is if you have a Visa or Mastercard which does not work with Apple Pay.  You can now get around this by linking it to a Curve Card.  The same goes for any card you may have which does not support contactless payment, as Curve Card is contactless.  You can also route foreign currency payments via Curve to avoid the 3% FX fee on your underlying card.

You can learn more about Curve Card in our main reference article here.  Curve Card is FREE and, indeed, they will pay you £5 for trying it out if you use our referral code which is in that article.

PS. As regular readers will know, you can no longer use Curve Card to pay HMRC for free. Unless you have Curve Metal at £14.99 per month, Curve now adds a 1.5% fee to your HMRC transactions. In virtually all scenarios, this means that it makes no sense to use Curve to pay your tax, even though you will receive receive points on the underlying Visa or MasterCard you link to Curve.

There is no Mastercard or Visa where the points are worth 1.5%.  You could make a case for the Virgin Atlantic Reward+ Mastercard which earns 1.5 miles per £1, so you are ‘buying’ miles at 1p, but I still see that as a bit toppy.

And yet, as you can see below, Curve is now actively advertising on Google (bidding against the phrase ‘HMRC’) the ability to use it to circumvent the rules banning credit card payments! Very odd.

Curve ad for paying HMRC


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.

Comments (141)

  • riku2 says:

    [anyone who was expecting the new Club Suite on their 787-10 will now be stuck with the old Club World seat.]
    As written this means there will be 787-10s with the old club world seat which I don’t think is the case.

    • callum says:

      You can read it that way. You can also read it the way it was intended (which is also the obvious meaning) – it doesn’t specifically state that you’ll still be on a 787-10 if you’re in the old seats.

    • Eli gold says:

      But if the aircraft is not being introduced until the delayed date, how on earth can you fly on it?
      Makes you wonder…

  • SultanOfCroydon says:

    Great workaround to use the IHG Rewards Card with Apple Pay

  • Dr Doo says:

    What’s odd with Curve, investors are finding out that they won’t release any financial information on the company and Getting ignored apparently

    • Riccatti says:

      I would rather Curve to focus on their business than respond to each and any Internet board post.

      There is no obligation to release financial statements other than standard annual reporting.

      Will tell you more: if a big bank analyst who institutionally holds big chunk of ownership say in Apple, will approach for detailed iPhone sales statistics…

      • Shoestring says:

        that was Curve’s argument about crowdfunding in the paper over the weekend: we tell institutional investors more than we tell you tiddlers, so follow them and don’t expect better investment information flow [as you are, by definition, a ‘crowd’ and not individually important]

        • Shoestring says:

          Bad press dogged payment start-up Curve but its chief executive tells James Cook, rivals are bending the truth
          Shachar Bialick, the chief executive of fintech start-up Curve, loves to talk. In a conference room inside Curve’s London office, he spends 20 minutes explaining why he believes his business could become the Amazon of banking.

          But recent criticism of his start-up has given Bialick, sporting a bright yellow cardigan and black trainers, even more to talk about than normal.

          Curve has raised more than £60m from investors including Santander for its bank card product, which lets customers add all their other bank cards – whether from challenger or high street banks – into one service.

          Bialick, who spent three years in the Israeli special forces, sees his business as a way to “bundle” finance, letting customers swap between cards and earn rewards from their purchases.

          However, articles published at the end of 2019 by Business Insider claimed just 14pc of Curve customers use their cards every month and that the business had mistakenly sent customers corporate cards instead of personal cards. The Financial Times has accused the firm of a lack of transparency over its crowdfunding, which brought in £6m in hours.

          Negative press can make it harder for digital banks to keep people signed up. But Bialick, responding to the claims for the first time, accuses the media of publishing “lies” and “untruths”.

          One of the most crucial figures for start-ups is the number of monthly active users that they have. Having a high percentage of customers returning each month is a reliable indicator that a digital bank is healthy.

          Business Insider’s claim that data showed just 14pc of Curve customers used their card every month is far below statistics around 70pc claimed by many banking start-ups.

          Is the 14pc statistic accurate? Bialick answers without any hesitation: “Very.”

          His public relations manager almost leaps to his feet. Bialick hurriedly corrects himself. “Very inaccurate. It’s not accurate! Everyone uses the card,” he says.

          Bialick claims the figure published by Business Insider was “taken a year before the article was made”. He says a more accurate figure is around 80pc.
          The chief executive then accuses rival start-ups of “forging” their own statistics in order to appear more popular than they really are. “Some people are screwing it around,” he claims. “I won’t mention who because it’s not my problem. It’s their problem with their investors.”

          A second report alleged that Curve had sent customers corporate cards when they had actually signed up for personal accounts. The start-up can earn up to five times the amount of commission on business transactions instead of personal ones, a valuable boost to its revenues.

          Bialick acknowledges that a number of “very specific incidents” took place, and claims the issue is now resolved.

          Curve was also accused last year by the Financial Times of running an “uninformative” crowdfunding campaign that failed to give prospective investors enough financial information on how Curve operates.

          Bialick insists that “it is not the right thing to provide any information” because it can “make our competitors better off ”. Instead, he says crowdfunding investors should trust the due diligence carried out by institutional investors.

          Curve’s chief executive is optimistic about his start-up’s future and seems undaunted by recent coverage of the business.

          The executive claims negative news articles have had no impact on his start-up’s brand, although he does admit the experience has been “hurting” for his 250 employees.

          He’ll only find out for sure if consumers have soured on Curve when he next measures his brand’s popularity in two months.

        • Riccatti says:

          You re-interpreted, put some words in their mouth. Again, I can’t understand the expectation, it is clear that owning shares does not give rights to access privileged financial/commercial information.

          With domination of institutional ownership, voting rights of small/individual shareholders are also meaningless. It has been like that since 1970es..

          • Shoestring says:

            OK sure but it’s more about quality of information – individually unimportant, collectively *very* important – there must be a happier medium? it’s not as if institutional investors are going to keep ‘privileged’ information watertight for long

        • Secret Squirrel says:

          @Shoestring:
          Out of interest, where did you come across the Duffy Plat upgrade code previously?

          • Shoestring says:

            it was my eldest son’s birthday, he got emailed the offer – I’d signed him up to Iberia so also signed him up to RBD to get the 100 Avios/ kickstart the a/c

          • Rob says:

            You get it emailed on your birthday.

      • Dr Doo says:

        Well it was brought to my attention when they had apparently set targets for their investor to be met in December which if not met would mean that they would issue more shares and according to companies house more shares were issued in December, a small amount but interesting none the less.

        Curve seem to now be focusing on subscriptions and this cash back through retailers, the subscriptions will have limited appeal to most but the cash back is interesting however you can get better deals. For example 1.5% through Argos for example vs up to 7% through a corporate rewards scheme, however it is useful if you are in a rush and can’t wait 2-3 days for a top up.

  • Archie says:

    Small correction, the 787-9 is both larger and has a longer range than 787-8. Boeing lists a range of 7,305 nmi for the -8 and 7,530 nmi for the -9.

  • Eli gold says:

    I was under what seems to be a false assumption that I gained something by using my curve card.
    This appears to be a mistake. If I’m spending in £ and have my virgin card on me is there any benefit whatsoever going via curve?

  • Tom says:

    With HMRC and VAT simply put the 1.5% charge as banking costs. Simples!

  • Crafty says:

    You have to fear for Curve’s future now (if not already). First rule of Fight Club and all that.

    • Riccatti says:

      Why’s that, they are going to collect fees on payments that were previously costing them/at breakeven.

      • Dr Doo says:

        Nobody in their right mind should use it for the HMRC payments at 1.5% unless you are really desperate

    • Waddle says:

      I use Curve because it is the only way to have my Virgin+ card on Google Pay.

  • Waddle says:

    OT: BA suspends all flights to & from mainland China following coronavirus outbreak.