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I myself will be making some smaller payments on the 10th to try it out. Having been a relatively moderate user of the fronted functionality, I now fully intend to make the most of what remains of the card until I cancel it, come renewal.
If you go over the fronted limit, does it not charge fees on the entire amount (ie 10k + anything over) rather than just whats over the limit?
Up until now it’s only charged on the amount over the fronted limit, even if part of a larger payment. That’s for me at least.
Both mine and my wife’s emails from Curve say that the changes take effect on 13th November and not 10th?
Both mine and my wife’s emails from Curve say that the changes take effect on 13th November and not 10th?
The original document shows the terms from November 10th but not everyone was notified at the same time.
My email from curve shows November 13th but the linked document states
“This subscription schedule will take effect as of 15 November 2023 for all customers.”
I will check in the app > launchpad > fronted each day from 10th to see if it updates from “£10,000 per calendar month” to “£3000 rolling 30 days”
The original document shows the terms from November 10th but not everyone was notified at the same time.
My email from curve shows November 13th but the linked document states
“This subscription schedule will take effect as of 15 November 2023 for all customers.”
Seriously, this is doing my head in. The linked doc has definitely changed, because I had diarised 13 Nov and every 30 days hence as days when I can spend £1.5k on my corporate card and £3k fronted. So, which is it, 10 Nov, 13 Nov or 15 Nov?
They couldn’t organise a p155 up in a brewery, never mind a fintech. No wonder they shut down the Curve Community chatboard…
On the upcoming changes.
I still haven’t had an email from them telling me my metal limits will change next month.Don’t they need to give me 30 days notice?
I thought that I did not get one either . But look for an email from Curve in September with the subject line We’ve updated our terms .
The new subscription schedules are inside this email
So, which is it, 10 Nov, 13 Nov or 15 Nov?
My email says Nov 14th 😂
May already have been mentioned, but adding PayPal is in addition to the max cards you can hold, i.e. Curve free only allows you to add 2 cards, but PayPal is in addition to this, so it’s a way of getting a third card onto your Curve free plan.
May already have been mentioned, but adding PayPal is in addition to the max cards you can hold, i.e. Curve free only allows you to add 2 cards, but PayPal is in addition to this, so it’s a way of getting a third card onto your Curve free plan.
and a way of getting blocked by PayPal, going by the reports so far.
May already have been mentioned, but adding PayPal is in addition to the max cards you can hold, i.e. Curve free only allows you to add 2 cards, but PayPal is in addition to this, so it’s a way of getting a third card onto your Curve free plan.
and a way of getting blocked by PayPal, going by the reports so far.
Which reports are these? I’m certain I’ve been following this thread and not seen anything of the sort?
So, which is it, 10 Nov, 13 Nov or 15 Nov?
My email says Nov 14th 😂
I have 2 emails 14th Sept, timed a minute apart, one saying 13th and the other 14th. The Subscription Schedule I downloaded at that time (Version 3, published 4th Sept) says that it will take effect 10th Nov. The latest version on the website (version 3, published 15th Sept) says it will take effect 15th Nov.
Other than the date (and removal of Crypto Rewards), the big change is currency conversion fees on purchases. Metal was Fee Free £5,000 rolling 30 days M to F in first version. Latest version says “Free” (subject to 100k fair use), including weekend/holidays, provided ‘payment source’ (i.e. underlying card) is EUR, GBP or USD.
@SteveJ, possibly on the cash advance charges thread, there were 2 readers who posted that their PayPal accounts had been suspended due to Curve activity.
Also, for non-metal people, currency conversion fee for Curve Standard now fee-free on first £250 rolling (previously was going to be 2.5% on any transaction), X is £1,000 (not £500) and Black is £2,000 (not £1,000). Obviously still not as good as it was, and the over-limit fee is up from 2.0%, but the removal of the weekend surcharge applies to all cards.
Also, for non-metal people, currency conversion fee for Curve Standard now fee-free on first £250 rolling (previously was going to be 2.5% on any transaction), X is £1,000 (not £500) and Black is £2,000 (not £1,000). Obviously still not as good as it was, and the over-limit fee is up from 2.0%, but the removal of the weekend surcharge applies to all cards.
So what does this mean for metal? What’s the monthly limit for fee-free spends in other currencies? And the removal of the weekend surcharge is interesting, does that only apply from November 10/13?
Also, for non-metal people, currency conversion fee for Curve Standard now fee-free on first £250 rolling (previously was going to be 2.5% on any transaction), X is £1,000 (not £500) and Black is £2,000 (not £1,000). Obviously still not as good as it was, and the over-limit fee is up from 2.0%, but the removal of the weekend surcharge applies to all cards.
So what does this mean for metal? What’s the monthly limit for fee-free spends in other currencies? And the removal of the weekend surcharge is interesting, does that only apply from November 10/13?
For Metal, subject to fair usage, it will be unlimited, even at weekends as long as your payment source is GBP, EUR or USD.
Also, for non-metal people, currency conversion fee for Curve Standard now fee-free on first £250 rolling (previously was going to be 2.5% on any transaction), X is £1,000 (not £500) and Black is £2,000 (not £1,000). Obviously still not as good as it was, and the over-limit fee is up from 2.0%, but the removal of the weekend surcharge applies to all cards.
So what does this mean for metal? What’s the monthly limit for fee-free spends in other currencies? And the removal of the weekend surcharge is interesting, does that only apply from November 10/13?
For Metal, subject to fair usage, it will be unlimited, even at weekends as long as your payment source is GBP, EUR or USD.
Thanks. So what is the metal limit for other currencies? I am in Singapore and Thailand soon. And do you know when the weekend fee is being removed, and is this for all currencies? You’d think this is easy to find on their site but obviously not!
The payment source with those three currencies only refers to the card linked to your Curve, not the currency in which you are spending. There should be no fees spending in SGD or THB assuming your underlying card is GBP.
The payment source with those three currencies only refers to the card linked to your Curve, not the currency in which you are spending. There should be no fees spending in SGD or THB assuming your underlying card is GBP.
Ah I see. That’s really not clear anywhere, thanks. Do you know if the weekend fees are changing?
Current T&C’s say the fronted 10k limit for metal users resets every calendar month.
From November 15th (or 13th, or 14th depending which email you have had) its a rolling 30 day period.I’m hoping we can make use of another 10k fronted from 1st Nov, and then a further 3k from 15th. 🙂
Interesting article regarding Curve…a new credit card and new funding.
https://www.finextra.com/newsarticle/43186/curve-issues-first-credit-cardInteresting article regarding Curve…a new credit card and new funding.
https://www.finextra.com/newsarticle/43186/curve-issues-first-credit-cardIs it a co-branded card with Global Airlines? Somehow it would feel fitting.
Has anyone spoken to Curve and heard anything further about Legacy cards? I’ve seen the PDF but don’t have a lot of faith that that’ll stick.
Ah I see. That’s really not clear anywhere, thanks. Do you know if the weekend fees are changing?
For metal – they’re going away – only pay 1% at the weekend if you’re charging the payment to an underlying card that isn’t issued in GBP, USD or EUR.
As much as I’m disappointed to see the annual fee for Metal go up by £30pa, and fronted go down from £10K to £3K per month, the fee free FX for someone that travels/buys from abroad a fair bit is a pretty good deal.
Both my BA Amex and Barclaycard Avios charge 2.99% on non-sterling transactions. So if you spend more than £6k pa overseas, that’s worth the £180 annual fee alone in fx savings. (Their fair usage policy allows you to charge up to £100k pa overseas on Metal at present).
Has anyone spoken to Curve and heard anything further about Legacy cards? I’ve seen the PDF but don’t have a lot of faith that that’ll stick.
I know it doesn’t count for much but their live chat agents told me that legacy black cards will have the £3k limit
Ah I see. That’s really not clear anywhere, thanks. Do you know if the weekend fees are changing?
For metal – they’re going away – only pay 1% at the weekend if you’re charging the payment to an underlying card that isn’t issued in GBP, USD or EUR.
As much as I’m disappointed to see the annual fee for Metal go up by £30pa, and fronted go down from £10K to £3K per month, the fee free FX for someone that travels/buys from abroad a fair bit is a pretty good deal.
Both my BA Amex and Barclaycard Avios charge 2.99% on non-sterling transactions. So if you spend more than £6k pa overseas, that’s worth the £180 annual fee alone in fx savings. (Their fair usage policy allows you to charge up to £100k pa overseas on Metal at present).
If you are looking at it from that angle purely, there’s plenty of products available that don’t charge FX abroad. Take Chase for one which includes 1% cashback (for now). Obviously if you want to use underlying cards that earn points like Barclaycard Avios or Virgin Atlantic Credit Card then it may still be a reasonable deal.
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