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

  • johnwillis1986 15 posts

    Can someone who has confirmed the charge for above 3k explain what it looks like? Is it automatically added on to the transaction that is over the 3k or does it appear as a separate fee?

    CarpalTravel 328 posts

    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.”

    So I was correct.

    Can someone who has confirmed the charge for above 3k explain what it looks like? Is it automatically added on to the transaction that is over the 3k or does it appear as a separate fee?

    It is added to the transaction, so a £3500 fronted payment with curve will be charged to the underlying credit card at £3512.50.

    Carlos 767 posts

    You should see £3212.50 in the last pop up prompt of your curve app when approving the transaction i think 🤔

    Alex G 406 posts

    Is there any point in continuing to hold the free Curve card?

    I’ve got Chase and Monzo which I can use for cash overseas. Plus the Halifax Clarity CC.

    The only benefit remaining seems to be to front it to Barclaycard Avios for Google Wallet.

    BBbetter 447 posts

    Player 2 had cancelled Curve X plan and is now offered first 3 months for £1 per month.

    roger 229 posts

    No fee free ATM withdrawal now on free card
    Minimum £2 or. 2‰ whichever is higher.

    Indy500 143 posts

    Bit late to the party here, that’s some thread! Thanks all. I use the card only for overseas spending with Barclaycard Avios card. As the fee freee limits have reduced can you still upgrade for a couple of months and then downgrade?
    Indy

    JDB 4,133 posts

    Bit late to the party here, that’s some thread! Thanks all. I use the card only for overseas spending with Barclaycard Avios card. As the fee freee limits have reduced can you still upgrade for a couple of months and then downgrade?
    Indy

    Yes, you can. There is no minimum term for the X or Black plans – you just pay for the months you use, but it is six months minimum for Metal, so committing to c.£108.

    Indy500 143 posts

    Bit late to the party here, that’s some thread! Thanks all. I use the card only for overseas spending with Barclaycard Avios card. As the fee freee limits have reduced can you still upgrade for a couple of months and then downgrade?
    Indy

    Yes, you can. There is no minimum term for the X or Black plans – you just pay for the months you use, but it is six months minimum for Metal, so committing to c.£108.

    Thanks

    svk 7 posts

    Encouraged by others above, I today did a test payment of £10 on Curve-fronted, was pleased to see that only £10 was shown on screen as the payment (see above where others say the fee is added on at the last pop-up) and went ahead with the payment.
    Then did another £2990 successfully

    But then I experimentally tried another £10, expected the last pop up to show a payment figure of £10.25 (in keeping with the advice above), but the last pop up showed £10 yet again…

    I did abort this payment but wonder what others make of this.

    puccibuy 7 posts

    O

    for the sake of 25p, can’t you try and let us know 🙂

    Toaster 97 posts

    Encouraged by others above, I today did a test payment of £10 on Curve-fronted, was pleased to see that only £10 was shown on screen as the payment (see above where others say the fee is added on at the last pop-up) and went ahead with the payment.
    Then did another £2990 successfully

    But then I experimentally tried another £10, expected the last pop up to show a payment figure of £10.25 (in keeping with the advice above), but the last pop up showed £10 yet again…

    I did abort this payment but wonder what others make of this.

    You don’t see the fee applied until after confirming the payment, i.e. after it’s too late. But, providing the payment was for upto £2k you can GBIT to a debit card and the fee is refunded. I think £2k is the limit for GBIT without having to contact Curve support but I may be wrong.

    Edit I just checked and it’s £5k limit for GBIT but may be possible to do higher via support.

    IrishGlobeTrotter 2 posts

    For context I am a Curve Metal plan holder
    Going to the Curve Launchpad > Account > Manage your plan
    Why are Curve stating that I get unlimited Fair FX when at the same time elsewhere they are stating that this is in fact limited to a £5,000 / 30 day rolling period? Does anyone else find their information, or lack thereof, absolutely ridiculous for a company that’s been around as long as them?

    Can someone clarify? I’m living in Australia and using my Curve Metal to continue using my Barclaycard Avios Plus. I also use the Curve Fronted feature to clear my Amex every month. I guess that sooner rather than later the features I use Curve Metal for will be all but defunct.

    Look forward to people’s input here.

    Thanks

    Blair Waldorf Salad 1,050 posts

    For context I am a Curve Metal plan holder
    Going to the Curve Launchpad > Account > Manage your plan
    Why are Curve stating that I get unlimited Fair FX when at the same time elsewhere they are stating that this is in fact limited to a £5,000 / 30 day rolling period? Does anyone else find their information, or lack thereof, absolutely ridiculous for a company that’s been around as long as them?

    Can someone clarify? I’m living in Australia and using my Curve Metal to continue using my Barclaycard Avios Plus. I also use the Curve Fronted feature to clear my Amex every month. I guess that sooner rather than later the features I use Curve Metal for will be all but defunct.

    Look forward to people’s input here.

    Thanks

    Where have you seen the £5000 per 30 days quoted? In the app?

    The terms of service in effect now are dated 15 Sept and for Curve Metal the foreign currency FX free amount is marked as Free**

    The ** refers you to the Fair Use Policy which says “ If you are a Curve Metal customer you benefit from fee-free currency conversion transactions up to €100,000 per calendar year.”

    JDB 4,133 posts

    @IrishGlobeTrotter the ridiculous thing is suggesting there is any lack of information or any need for confusion. FX is now unlimited, subject to a fair use policy which doesn’t involve a monthly limit. That’s a very significant improvement. Such fair use policy is in place to stop excessive abuse and is more than reasonable for the vast majority of people. The Fronted limit was reduced for obvious reasons. I trust you have told Barclaycard you live in Australia.

    IrishGlobeTrotter 2 posts

    @IrishGlobeTrotter the ridiculous thing is suggesting there is any lack of information or any need for confusion. FX is now unlimited, subject to a fair use policy which doesn’t involve a monthly limit. That’s a very significant improvement. Such fair use policy is in place to stop excessive abuse and is more than reasonable for the vast majority of people. The Fronted limit was reduced for obvious reasons. I trust you have told Barclaycard you live in Australia.

    I’ve seen your comments a few times on this thread. Is the person who updated these terms a blood relative or what’s your loyalty to curve? As opposed to looking at this from a customer perspective?Or are you just one of these people that can’t see an opposing argument?

    If there wasn’t a lack of information I wouldn’t have created an account to clarify due to the lack of clear information, would I?…. Anyone who can say that the information provided by Curve is clear and concise is living in bizzaro world.

    Yes I let them know I’m living in Australia – I’m sure they’re not as concerned about it as you seem to be though.

    Blair Waldorf Salad 1,050 posts

    @IrishGlobeTrotter if you’re not my actual cousin, you are my spiritual cousin. Welcome to the site!

    teddyboy 14 posts

    @IrishGlobeTrotter the ridiculous thing is suggesting there is any lack of information or any need for confusion. FX is now unlimited, subject to a fair use policy which doesn’t involve a monthly limit. That’s a very significant improvement. Such fair use policy is in place to stop excessive abuse and is more than reasonable for the vast majority of people. The Fronted limit was reduced for obvious reasons. I trust you have told Barclaycard you live in Australia.

    The confusion was caused by conflicting information provided by Curve themselves. For example, I received 2 emails within 2 minutes on 14/9 (slightly disingenuously saying that there was to be “a few changes” to the T&Cs, with changes to the subscription schedules to reflect the introduction of ‘several new products’) which said that the change would take place WEF 13/11. Or 14/11, depending on which email I looked at.

    The Subscription Schedule I downloaded at that point (described as V.3, published 4/9 – in turn saying that the change was WEF 10/11!) said – with respect to Metal currency conversion – M to F “Fee-free currency conversion up to £5,000 per rolling 30-day period. Then, 2.5% per transaction over the Mastercard Wholesale Rate” and weekends “If the currency of the selected payment source and the transaction are both in GBP, USD or EUR, the rate will be increased by 0.5% over the Mastercard Wholesale Rate. In any other currency, the rate will be increased by up to 1.5% over the Mastercard Wholesale Rate”.

    By October this had changed, although without any further notification from Curve. The ‘new’ Subscription Schedule (still described as V.3, but now stating published 15/9 and taking effect from 15/11) says – again in relation to Metal – “Free**” FX (the “**” being a cross-ref to the “up to £100,000 per calendar year” limit under Curve’s ‘Fair Use Policy’ (V.2, published 14/9). But also, in relation to weekend FX fees, “If the currency of your payment source and the transaction you are making are different: ● we do not apply any surcharge in addition to the Currency Conversion Fee (see above) or the Foreign ATM Withdrawal Fees (see below) where the currency of your payment source is EUR, GBP or USD; or ● we charge 1% in addition to the Currency Conversion Fee (see above) or the Foreign ATM Withdrawal Fees (see below) where the currency of your payment source is in any other currency.” [Given that “the currency of your payment source” is a reference to your underlying payment card (or PayPal, if that is revived), for most people this will be GBP and therefore it seems that there will be no Currency Conversion Fee.] Major changes on both points, then.

    So, Yes @IrishGlobeTrotter @JDB, there is confusion. I am pleased to say that today, as at 19.25, the UK Subscription Schedule on Curve’s website remains as V.3 published 15/9/2023, with “Free**” Metal currency conversion.

    As others have noted, there are other differences between the ‘Version 3’ UK Subscription Schedules published 4/9 and 15/9.

    SteveJ 991 posts

    Or are you just one of these people that can’t see an opposing argument?

    This. Lots and lots of useful information, unfortunately more often than not sandwiched in contempt.

    BBbetter 447 posts

    So, Yes @IrishGlobeTrotter @JDB, there is confusion. I am pleased to say that today, as at 19.25, the UK Subscription Schedule on Curve’s website remains as V.3 published 15/9/2023, with “Free**” Metal currency conversion.

    As others have noted, there are other differences between the ‘Version 3’ UK Subscription Schedules published 4/9 and 15/9.

    Am not sure what the confusion is or what you are complaining about.
    Curve has rights to change the TnCs whenever they want and you can access the latest on their website. If you don’t like it contact them and ask for cancellation or a rebate.
    Nobody is forcing you to use it.

    chris@onlineedinburgh.co.uk 2 posts

    I paid HMRC this month with Curve linked to COT.

    On HMRC website the transaction was £5.7k plus £5.75 fee, and the email confirmation confirmed this fee.

    On the curve App, and subsequently charged to COT, the fee was increased to £68.78

    The Curve Chat suggests I might get a response in 3 days!!!

    Anyone else experienced this?

    JDB 4,133 posts

    The fee charged by HMRC and that levied by Curve are entirely separate. HMRC can’t know what fee your Curve card or underlying card is going to charge. The Curve fee (which will have shown at the time of the transaction) is presumably 2.5% on the excess over your Fronted limit which you could remove by GBIT to a debit card.

    TooPoorToBeHere 255 posts

    As others have noted, there are other differences between the ‘Version 3’ UK Subscription Schedules published 4/9 and 15/9.

    Great post. Thank you.

    Absolute shambles, closely-documented for the benefit of people who intend to stand on the terms they’ve [been forcibly deemed to be] agreed to.

    JDB 4,133 posts

    As others have noted, there are other differences between the ‘Version 3’ UK Subscription Schedules published 4/9 and 15/9.

    Great post. Thank you.

    Absolute shambles, closely-documented for the benefit of people who intend to stand on the terms they’ve [been forcibly deemed to be] agreed to.

    It seems reasonably self evident that the most recent terms dated 15 Sep will apply and since they are more generous than the ones dated earlier in the month, I’m not sure which “closely-documented” terms you are suggesting people might wish to “stand” on? The position hasn’t changed since 15 Sep and isn’t actually at all complicated.

    misslondon 3 posts

    I’m really late to this party – came looking as I got a £4 fee on my regular monthly £200 ATM withdrawl today and had no idea why. I hadn’t clocked that Curve has changed it’s T&Cs to remove free withdrawls up to £200 per month from the free card. They’ve been really sneaky in introducing these changes – no clear email communication highlighting it. When a significant benefit like this is withdrawn from the product a basic “we’re updating out T&Cs so here a link” in an email just doesn’t cut it. There should have been bullet points of the changes at a minimum.

    Rob/Rhys – I think this would be a good point to highlight in the daily bits email as I expect many other people won’t have noticed the changes either.

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