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Forums Payment cards Other payment cards Curve changes from November 10th

  • Harrier25 846 posts

    My Legacy Black still stays the same, with the unlimited FX transactions. I thought it was going to change too?

    …and what gave you that idea, because it wasn’t from reading the updated t&c released 2 months ago, where Legacy Black isn’t even mentioned? Business as usual, me thinks.

    NorthernLass 7,490 posts

    Actually, the cash withdrawal limit has been spoken about. And a certain person bangs on about the larger FX amount enough for several of us combined.

    But the real risk of being questioned about money laundering if you suddenly started trying to bank £1k of cash a month was also mentioned and that’s at least partially why it’s “unfashionable”.

    I also find many do speak positively of curve, but are also well aware of it’s negatives as well. But to admit that wouldn’t be fashionable for certain members of this community 😉

    I don’t think £1k per month is going to get your bank too excited but you could also pay off your Barclay or other card in branch with it, or be old school and keep it under your bed. But don’t ATMs have limits like £300? It would get to be a bit of a PITA doing that several times each month!

    Rui N. 830 posts

    ATM vary between £500 and £800 these days.
    A bank won’t care about £1k per month.

    SteveJ 975 posts

    ATM vary between £500 and £800 these days.
    A bank won’t care about £1k per month.

    You can get 1k from HSBC

    Rui N. 830 posts

    Even better 🙂

    Ingking 38 posts

    Is no-one talking about how atm withdrawals are now £1k, so another way to get good old points

    Is forex atm withdrawals fee free on metal?
    The t&cs aren’t clear (to me) if the 2% fee only starts after 1k

    supergraeme 126 posts

    My Legacy Black still stays the same, with the unlimited FX transactions. I thought it was going to change too?

    There was a link to a PDF much earlier in the thread where it basically said there were no changes.

    roger 232 posts

    Reset confirmed.
    Additional £3K. YMMV. Do a small test transaction.

    idontfly 42 posts

    Same experience as Roger, reset confirmed, small test, then total of £3k spent. Google calendar is going to be helpful.

    Rui N. 830 posts

    I can also confirm the £3k allowance was resetted.
    Can also confirm that you get charged 2.5% if you go over it (don’t ask…didn’t want to try it out!).

    NorthernLass 7,490 posts

    Hmm, so one can have an extra £3k for November but then will be subject to the 30 day rule, so next transaction would have to be some time mid-December?

    CarpalTravel 359 posts

    How exactly they count 30days as well will need a little bit of care. I would presume if the 3k was used in one day, say today, then I would guess that the 17th December would be the next reset. 2024 is a leap year too, which is nice.

    Carlos 758 posts

    Can you go over the £3k mark and you get charged the fee, can you GBIT and reverse the fee?

    0 post

    How exactly they count 30days as well will need a little bit of care. I would presume if the 3k was used in one day, say today, then I would guess that the 17th December would be the next reset. 2024 is a leap year too, which is nice.

    Quite clear from their support a couple of pages back:

    “To clarify further, a 30-day rolling limit is the combined total of all transactions you’ve made during a 30-day period. Once you reach day 31, transactions you’ve completed on day 1 of the 30-day period will start to “drop off” and your limit will increase again by the amount of the transaction that’s “dropped off” at the beginning.”

    svk 7 posts

    Yesterday, under “manage my plan” and “curve-fronted” it said it resets “every 30 rolling days.”
    Today, under “curve-fronted” it’s gone back to “per calendar month”
    So reluctant to try another £3k now – unless others are also getting this but successfully managing another £3k

    WrS 10 posts

    So reluctant to try another £3k now – unless others are also getting this but successfully managing another £3k

    atleast three people above on this page has confirmed that the Fronted has been reset!

    Carlos 758 posts

    Yesterday, under “manage my plan” and “curve-fronted” it said it resets “every 30 rolling days.”
    Today, under “curve-fronted” it’s gone back to “per calendar month”
    So reluctant to try another £3k now – unless others are also getting this but successfully managing another £3k

    Why are you reluctant. Try with £1 FGS (or £25) the fees on £25 will only be 0.625p

    Toaster 104 posts

    62.5p or £0.625

    Crafty 150 posts

    Notwithstanding the potential “bonus” £3k, I can’t see an economic rationale to keep the card now. £3,000 at 0.5% (few if any cards have a return exceeding that nowadays) is only £15, which is now less than the new monthly fee.

    Have I missed something? Or will others all be cancelling too after the “bonus” £3k is spent?

    svk 7 posts

    Agree with above.
    I have an annual metal sub expiring next June.
    I don’t really benefit from all the travel perks/FX, etc as I’m a stay-at-home.
    So I’ll keep it going until the subscription year ends, and then probably downgrade to the free plan

    Peter K 549 posts

    Notwithstanding the potential “bonus” £3k, I can’t see an economic rationale to keep the card now. £3,000 at 0.5% (few if any cards have a return exceeding that nowadays) is only £15, which is now less than the new monthly fee.

    Have I missed something? Or will others all be cancelling too after the “bonus” £3k is spent?

    There is the 1% cashback at 6 businesses, which can work out better than Amex when combined with a decent card in the background. But the benefits to me now are on a knife edge.

    I can also confirm the 3k reset today.

    TGLoyalty 479 posts

    Refreshed £3k limit still working today

    So reluctant to try another £3k now – unless others are also getting this but successfully managing another £3k

    atleast three people above on this page has confirmed that the Fronted has been reset!

    idontfly 42 posts

    what/who is FGS?

    TimF 4 posts

    I am gutted! Only just picked up on these changes today. I have a big ole tax bill to pay in January, and was expecting to have my Fronted £10k p/m available over the next 3 months. I just logged into the app to see it has been reduced to £3k. I’ve looked back through emails from Curve and have not received anything specifically advising me of this change. Pissed to say the least, especially that I seem to have missed yesterdays deadline to have used this months £10k.

    Are there any alternative ways to earn points while paying tax to HMRC, or is Curve the only way? I’ve seen BillHop but their fee’s are prohibitive.

    Crafty 150 posts

    If you haven’t been advised, make a complaint, as this is against the terms.

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