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  • CabbageHead 3 posts

    Hi all,

    I have a tax bill to pay and am considering using Curve to front my Barclay Card to pay it. I see many of you have Curve Metal.

    Has anybody had issues paying HMRC recently in this manner?

    If I went with the basic Curve Card would this be sufficient? Bill is about £1700.

    Many thanks in advance.

    NPWharf 23 posts

    Payments via Curve to HMRC are treated as fronted so you’d need either a black or metal card to get it to work

    Roberto 297 posts

    Curve and Barclaycard are friends with HRMC but as mentioned above the basic card is not sufficient for your needs effectively.

    I popped my CoTax through it this week.

    SteveJ 1,000 posts

    You can use the basic card, pay a 1.5% fee. For a £1,700 tax bill the metal fees / min commitment wouldn’t be worth it?

    Peter K 580 posts

    You can use the basic card, pay a 1.5% fee. For a £1,700 tax bill the metal fees / min commitment wouldn’t be worth it?

    It will be a 2.5% fee from 10th November this year.

    Sionnach 6 posts

    Hi all,

    Just to add to this as I’m finding it hard to find the answer on this thread and others

    So if I use Curve fronted in conjunction with my BarclayCard then HMRC will not recognise that this is a credit card payment and charge me a fee?

    Same goes for using it to pay a credit card with a credit card via fronted.

    I thought this went without saying but Curves terms state that I will be charged by HMRC/The CC company for this, but they could be just covering themselves.

    Kowalski 112 posts

    Hi all,

    Just to add to this as I’m finding it hard to find the answer on this thread and others

    So if I use Curve fronted in conjunction with my BarclayCard then HMRC will not recognise that this is a credit card payment and charge me a fee?

    Same goes for using it to pay a credit card with a credit card via fronted.

    I thought this went without saying but Curves terms state that I will be charged by HMRC/The CC company for this, but they could be just covering themselves.

    You can use the basic Curve card with fronted turned on to do this, but Curve will charge you 2.5%. If you pay for Curve Metal, you have an allowance of £3,000 of fronted transactions per rolling 30 days.

    HMRC will charge you 0.1% if you have a business Curve Card, 0% if you have a personal Curve card.

    Sionnach 6 posts

    Hi all,

    Just to add to this as I’m finding it hard to find the answer on this thread and others

    So if I use Curve fronted in conjunction with my BarclayCard then HMRC will not recognise that this is a credit card payment and charge me a fee?

    Same goes for using it to pay a credit card with a credit card via fronted.

    I thought this went without saying but Curves terms state that I will be charged by HMRC/The CC company for this, but they could be just covering themselves.

    You can use the basic Curve card with fronted turned on to do this, but Curve will charge you 2.5%. If you pay for Curve Metal, you have an allowance of £3,000 of fronted transactions per rolling 30 days.

    HMRC will charge you 0.1% if you have a business Curve Card, 0% if you have a personal Curve card.

    Thanks for the reply. Am I right in saying that Curve just put this in the terms to cover themselves? I’ve got Legacy black so covered up to £1000. Is it the same for credit cards in that I’ll see no charge from my credit card company for paying a bill with fronted?

    JDB 4,626 posts

    Neither Curve, nor HMRC can know what you might be charged by the underlying credit card; that’s your job to know. If you have a Legacy Black card, that suggests you have held it for some time and the basis for how these things operate has not changed, even if Curve and/or your underlying card may have changed their terms.

    Harrier25 887 posts

    I’ve got Legacy black so covered up to £1000.

    No you are not. Only subscription Black gets the first £1,000 of fronted transactions fee free in any 30 day period, not Legacy Black.

    Sionnach 6 posts

    Neither Curve, nor HMRC can know what you might be charged by the underlying credit card; that’s your job to know. If you have a Legacy Black card, that suggests you have held it for some time and the basis for how these things operate has not changed, even if Curve and/or your underlying card may have changed their terms.

    I’ve never used curve fronted and trying to find out details on charges from HMRC or my credit card company is impossible.

    If there are charges then whats the point of fronted other than to buy me time but cost me money?

    Sionnach 6 posts

    I’ve got Legacy black so covered up to £1000.

    No you are not. Only subscription Black gets the first £1,000 of fronted transactions fee free in any 30 day period, not Legacy Black.

    Looking at my package details right now and it says fee free up to £1000.

    phantomchickenz 323 posts

    I was pretty sure that Curve actively advertise that you can use Fronted to pay HMRC fee free.

    This page tells you that if you have Black or Metal then the fees are waived up to certain limits: https://help.curve.com/which-transactions-will-curve-fronted-fees-apply-to-r1FErO38_

    Harrier25 887 posts

    Well you’re clearly not looking in the correct place by clicking through the account square on the top left of the Launchpad.

    Free of subscription Legacy Black does not include and fronted fee free benefits. You have been warned!

    Sionnach 6 posts

    Well you’re clearly not looking in the correct place by clicking through the account square on the top left of the Launchpad.

    Free of subscription Legacy Black does not include and fronted fee free benefits. You have been warned!

    I’ve asked them to confirm anyway so lets see. You’re probably right.

    hugog 40 posts

    The legacy black does now seem to include £1000 fee free fronted.

    redethernet1 86 posts

    How do you see the MCC code from your CC bill?

    Harrier25 887 posts

    The legacy black does now seem to include £1000 fee free fronted.

    So when we all get charged 2.5% can we come to you for a refund?

    phantomchickenz 323 posts

    The simple way to find out for sure is to make a £1 payment and see if a surcharge is applied.

    Harrier25 887 posts

    It does work, but shhhhhh.

    Sionnach 6 posts

    Is the 2.5% fronted fee usually charged right away or at a later date?

    Rui N. 855 posts

    Right away.

    Harrier25 887 posts

    Whatever gremlin they had in the system allowing fee free fronted transactions with Legacy Black has been fixed unfortunately. Where I paid £10 to Amex the other day with no fee applied, doing the same this morning cost me £10.25.☹️

    roger 232 posts

    May be that has caused issues for Metal users where no transactions are now going through to Amex, HMRC, Amazon or any other merchant with 3D Secure.

    gobber 5 posts

    May be that has caused issues for Metal users where no transactions are now going through to Amex, HMRC, Amazon or any other merchant with 3D Secure.

    Hopefully it will be resolved soon. As you say it is all merchants and it is purchase value based (not sure what the trigger value is).

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