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Best card for HMRC bill

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  • cinereus

    Please can someone sanity check me? Have a low 4 fig HMRC bill coming up. Don’t pay for Curve. Might still be in my first 3 months of Barclaycard Avios.

    Is Barclaycard Avios the best card to pay this bill with? Am I missing something obvious?

    Dudulle

    Am I missing something obvious?

    HMRC doesn’t take credit cards. You would need to use Curve for that, which wouldn’t be worth it without metal.

    Reney

    Am I missing something obvious?

    HMRC doesn’t take credit cards. You would need to use Curve for that, which wouldn’t be worth it without metal.

    and read the thread on curve and barclaycard combo and people getting shut down.

    cinereus

    Yeah, I saw that. I’ve put £5k through my Barclaycard since opening without issue (though it is all genuine spend).

    Rob
    HfP Staff

    Apparently Tesco Pay Plus doesn’t give points any longer on HMRC.

    SteveJ

    Yeah, I saw that. I’ve put £5k through my Barclaycard since opening without issue (though it is all genuine spend).

    You’ve put 5k through Curve onto the Barclaycard?

    Rui N.

    What’s the problem with that?

    masaccio

    Thinking ahead to my January bill – what’s the charge for Metal Curve? Is this the 1.5% Fronted fee? So I’d pay 1.5% to charge through to (say) Bayclaycard? If so that doesn’t seem like a good deal to me

    Reney

    Thinking ahead to my January bill – what’s the charge for Metal Curve? Is this the 1.5% Fronted fee? So I’d pay 1.5% to charge through to (say) Bayclaycard? If so that doesn’t seem like a good deal to me

    Sound like you need to read up on the app re metal, Metal is £14.99 per month, no fronted charge for the first 10k of qualified payments. It also comes with other stuff like insurance, lounge access etc.

    If the only thing you are using metal for is the fronted payment function. You should break even around £1k of payments if you value avios at 1p and your card is earning 1.5 avios per pound.

    If you do not get metal, you can turn fronted on and pay the fee every qualifying transaction. The fee is paid to curve, for example let say you pay £100 HMTC, it will appear on your Barclaycard statement as £101.50.

    • This reply was modified 52 years, 7 months ago by .
    Entitled

    Thinking ahead to my January bill – what’s the charge for Metal Curve? Is this the 1.5% Fronted fee? So I’d pay 1.5% to charge through to (say) Bayclaycard? If so that doesn’t seem like a good deal to me

    Sound like you need to read up on the app re metal, Metal is £14.99 per month, no fronted charge for the first 10k of qualified payments. It also comes with other stuff like insurance, lounge access etc.

    If the only thing you are using metal for is the fronted payment function. You should break even around £1k of payments if you value avios at 1p and your card is earning 1.5 avios per pound.

    Curve Metal will charge you £50 if you cancel in the first six months so you need to factor this, or the ongoing monthly fee, into your break even.

    Carlos

    Thinking ahead to my January bill – what’s the charge for Metal Curve? Is this the 1.5% Fronted fee? So I’d pay 1.5% to charge through to (say) Bayclaycard? If so that doesn’t seem like a good deal to me

    Sound like you need to read up on the app re metal, Metal is £14.99 per month, no fronted charge for the first 10k of qualified payments. It also comes with other stuff like insurance, lounge access etc.

    If the only thing you are using metal for is the fronted payment function. You should break even around £1k of payments if you value avios at 1p and your card is earning 1.5 avios per pound.

    Curve Metal will charge you £50 if you cancel in the first six months so you need to factor this, or the ongoing monthly fee, into your break even.

    Comes with phone insurance so its not entirely a write off for 6 months

    cinereus

    Yeah, I saw that. I’ve put £5k through my Barclaycard since opening without issue (though it is all genuine spend).

    You’ve put 5k through Curve onto the Barclaycard?

    Yes, that’s what I said.

    TJ

    Apparently Tesco Pay Plus doesn’t give points any longer on HMRC.

    What about the Clubcard Pay+ card…does this still work for HMRC payments (i.e. 1 Clubcard point for every £8 you spend)? I haven’t seen any recent reports.

    masaccio

    Sound like you need to read up on the app re metal, Metal is £14.99 per month, no fronted charge for the first 10k of qualified payments. It also comes with other stuff like insurance, lounge access etc.

    The insurance is why I subscribed to Metal – cheaper than travel insurance and CDW cover for a year. Everything else is a bonus, so still figuring out what the benefits are that works for me.

    Sounds like pay £10k on Curve and debit for the rest since I don’t value Avios at 1.5p.

    I normally pay last minute since it’s their money that is paying interest, but thinking of the £10k *per month* I should be using that and will be able to pay the whole tax bill through Curve. That’s a lot of Avios.

    SteveJ

    Yeah, I saw that. I’ve put £5k through my Barclaycard since opening without issue (though it is all genuine spend).

    You’ve put 5k through Curve onto the Barclaycard?

    Yes, that’s what I said.

    You weren’t clear that it was through Curve. Just interested as others have mentioned being shut down for even the smallest curve spend, so it seems like that may be a red herring.

    duggie1982

    I have put around 5 grand via curve;Barclaycard Avios over the last few months, curve is about half my spend and non curve is to pay amex

    Skywalker

    Am I missing something obvious?

    HMRC doesn’t take credit cards. You would need to use Curve for that, which wouldn’t be worth it without metal.

    HMRC doesn’t take personal credit cards, but they do accept and charge a fee on business debit and credit cards. Personal debit cards are free.

    https://www.gov.uk/pay-corporation-tax/debit-or-credit-card

    Paid a small wee bill with Capital on Tap recently.

    The Urbanite

    Possibly Curve linked to Capital on Tap.

    PeteM

    What about the Clubcard Pay+ card…does this still work for HMRC payments (i.e. 1 Clubcard point for every £8 you spend)? I haven’t seen any recent reports.

    I assumed that’s what Rob was referring to? Would be useful to confirm!

    Rivo

    Is anyone still using Billhop?

    Being a good boy I did my tax return just as my Barclaycard Avios came through the letterbox. This would get me to my sign up bonus, but I don’t want to muck about with other cards.

    Carlos

    Is anyone still using Billhop?

    Being a good boy I did my tax return just as my Barclaycard Avios came through the letterbox. This would get me to my sign up bonus, but I don’t want to muck about with other cards.

    I heard you can get a discount directly if you ask them and its a large bill

    CarpalTravel

    You weren’t clear that it was through Curve. Just interested as others have mentioned being shut down for even the smallest curve spend, so it seems like that may be a red herring.

    Virtually all of my spends have been via curve since I got the card, some months ago. That includes buying a car. Seems to me that it is more likely it was Barclaycard deciding those customers no longer met their acceptance criteria and so decided they no longer wanted to provide them with the product.

    Edit: If I have just jinxed myself, I will forever on keep my thoughts to myself!!

    • This reply was modified 52 years, 7 months ago by .
    Harrier25

    Edit: If I have just jinxed myself, I will forever on keep my thoughts to myself!!

    Probably the best idea. 👌 Even after Creation, people still blab too much on here.

    CarpalTravel

    Edit: If I have just jinxed myself, I will forever on keep my thoughts to myself!!

    Probably the best idea. 👌 Even after Creation, people still blab too much on here.

    I never got into the Creation thing and am definitely not doing anything like that, nor saying it is safe to do so. I am just using it for normal spends.

    HughM

    Tesco prepaid pay+ card still earning points on HMRC payments.

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