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

  • Toaster 102 posts

    There’s an interesting change I’ve also spotted that appears to have happened in the past few days. If you were over your fronted limit previously, the fee would show in the approval notification before authorisation, so you could always reject the transaction if you didn’t want to pay the fee or at least you had forewarning as to what it was.

    Since the limit change to £3000, the approval now always excludes the fee. It then only shows in the app once the transaction has been completed. Doesn’t that just seem wrong, as they are now purposefully hiding the fee hoping to catch people out with the roll 30-day limit?

    I went over my fronted limit once or twice when it was £10k and the fee was not shown until after the transaction was authorised.

    Peter K 546 posts

    There’s an interesting change I’ve also spotted that appears to have happened in the past few days. If you were over your fronted limit previously, the fee would show in the approval notification before authorisation, so you could always reject the transaction if you didn’t want to pay the fee or at least you had forewarning as to what it was.

    Since the limit change to £3000, the approval now always excludes the fee. It then only shows in the app once the transaction has been completed. Doesn’t that just seem wrong, as they are now purposefully hiding the fee hoping to catch people out with the roll 30-day limit?

    It’s never shown the fee to me at any point. Only gone over on a couple of occasions when I couldn’t be bothered to do two transactions for the sake of a few pence, and no fee was shown until after the payment had gone through.

    Rui N. 807 posts

    Approval never included the fee, no need to make things up.

    WrS 10 posts

    Think about it people…if you make a fronted transaction to a credit card and then move that same fronted transaction to another credit card, you are creating another fronted transaction. The fact that you went back in time is irrelevant. It’s too late now, but if you had GBIT to a debit card then you wouldn’t have been charged.

    I can say for sure this is not how it use to work. In Aug-23 I maxed fronted to £10K (on CREDIT cards), then GBIT £4.5K to another CREDIT card (as per your understanding this should be considered as ‘new’ fronted and hence would have been charged 1.5% fee as total fronted would be £14.5K during the same month), BUT no fee was charged.

    TGLoyalty 384 posts

    Think about it people…if you make a fronted transaction to a credit card and then move that same fronted transaction to another credit card, you are creating another fronted transaction. The fact that you went back in time is irrelevant. It’s too late now, but if you had GBIT to a debit card then you wouldn’t have been charged.

    I can say for sure this is not how it use to work. In Aug-23 I maxed fronted to £10K (on CREDIT cards), then GBIT £4.5K to another CREDIT card (as per your understanding this should be considered as ‘new’ fronted and hence would have been charged 1.5% fee as total fronted would be £14.5K during the same month), BUT no fee was charged.

    It’s not a new fronted transaction if you spent £4.5k plus another £5.5k on credit cards but then decided to GBIT the £4.5k from one credit card to another. Only £10k was spent.

    Or are you saying you spent £10k on credit cards plus £4.5k on a debit card then moved that £4.5k to a credit card? Because that would be a new fronted transaction and should have added a fee.

    WrS 10 posts

    “It’s not a new fronted transaction if you spent £4.5k plus another £5.5k on credit cards but then decided to GBIT the £4.5k from one credit card to another. Only £10k was spent”

    That’s exactly what I did, but according to Harrier25, that’s £14.5K fronted transactions in total and £4.5K should be liable to fee.

    dshunter 38 posts

    Warning. Got charged curve fronted fee despite it being 30 days since my last fronted transaction – something isn’t working correctly. I’ll gbit I guess?

    Toaster 102 posts

    Warning. Got charged curve fronted fee despite it being 30 days since my last fronted transaction – something isn’t working correctly. I’ll gbit I guess?

    I did not get charged a fee. I wonder if Curve are using the time of the transaction as well as the date? My transactions on 16th November were at 8am, todays at 12pm.

    dshunter 38 posts

    Very possibly – that would be sneaky, my previous ones were in PM, and did mine AM. Will try a smaller transaction later…

    dshunter 38 posts

    Looking likely – when I GBIT it just now, it was showing the 2.5% fee for just PayPal.

    puccibuy 7 posts

    Warning. Got charged curve fronted fee despite it being 30 days since my last fronted transaction – something isn’t working correctly. I’ll gbit I guess?

    I did not get charged a fee. I wonder if Curve are using the time of the transaction as well as the date? My transactions on 16th November were at 8am, todays at 12pm.

    31 days from Nov 16th is Dec 17th

    Toaster 102 posts

    Warning. Got charged curve fronted fee despite it being 30 days since my last fronted transaction – something isn’t working correctly. I’ll gbit I guess?

    I did not get charged a fee. I wonder if Curve are using the time of the transaction as well as the date? My transactions on 16th November were at 8am, todays at 12pm.

    31 days from Nov 16th is Dec 17th

    Indeed, but no fronted fee charged on my transactions today which were 30 days and a few hours since the ones last month.

    supergraeme 118 posts

    I’ve got a Legacy Black card an I was under the impression that there were no changes for us, but my last two UK cash withdrawals have a £5 charge attached.

    I’ve gone to check the Black Legacy terms PDF but oddly the page no longer works. Has anyone got a copy, or any idea of what’s going on?

    https://www.curve.com/en-gb/terms-black-legacy/

    AShafiq 3 posts

    GBIT of a previous debit card transaction to now an underlying credit card, would that be a new fronted transaction? Or does it count in the previous months 30 day rolling limit.

    BBbetter 452 posts

    GBIT of a previous debit card transaction to now an underlying credit card, would that be a new fronted transaction? Or does it count in the previous months 30 day rolling limit.

    A transaction with underlying debit card is not a fronted one. If you GBIT to a credit card, yes, it’ll be a new fronted transaction.

    roger 230 posts

    I would give 1 day extra just to avoid such situation.
    So next instalment of £3k use is today for me even though I used last on 16 November.

    TGLoyalty 384 posts

    I would give 1 day extra just to avoid such situation.
    So next instalment of £3k use is today for me even though I used last on 16 November.

    My intended strategy too

    dshunter 38 posts

    confirmed – fairly sure it is 30 days and time of day does matter.
    I’m probably going to downgrade anyway though as this is just too much of a faff.

    kt74 41 posts

    confirmed – fairly sure it is 30 days and time of day does matter.

    Well, I spent my 3k at 29 days and 22 hours and wasn’t charged extra for various HMRC and similar payments, so time of day doesn’t seem to affect charges

    Crafty 150 posts

    I’ve downgraded to free. To their credit, once I finally got to a human on this, they processed efficiently and even refunded current month pro rata which I had not asked for.

    Has anyone worked out whether the CurveX 3 months £1 offer is worth bothering with?

    SteveJ 966 posts

    I’ve downgraded to free. To their credit, once I finally got to a human on this, they processed efficiently and even refunded current month pro rata which I had not asked for.

    Has anyone worked out whether the CurveX 3 months £1 offer is worth bothering with?

    No, unless you have Forex spend coming up that would negate the minimal fee, i.e. the underlying points earned on the extra Forex allowance.

    Kowalski 99 posts

    Somehow I missed all of this.

    Surprised there wasn’t a headforpoints article about the new fees?? Or did I miss that also?

    Curve don’t seem to have emailed me about this huge change. They sold me the Metal package on the basis of a £10k monthly fronted limit!

    JDB 4,147 posts

    Somehow I missed all of this.

    Surprised there wasn’t a headforpoints article about the new fees?? Or did I miss that also?

    Curve don’t seem to have emailed me about this huge change. They sold me the Metal package on the basis of a £10k monthly fronted limit!

    Curve notified the changes in early to mid-September to take effect on 15 November after the contractual notice period. Since that time, Curve has also advised that Metal insurance will cease from 31 December. There wasn’t an article about this as for understandable reasons there isn’t much official coverage but there has been extensive coverage in the forums on a number of threads.

    iEimis 81 posts

    Another data point, last round of £3k payments made on 19th November (30 days ago) at around 8:30 am. Tried a small transaction this morning of £10 and not charged the fronted fee. Proceeded to do another 3 transactions totalling £3k – no fee charged. So seems like it is indeed every 30 days even though I’ve seen some people here saying it is 31 days. It appears that the 30 days is enforced precisely so make sure you look at the transaction times for your previous months as to not get caught up.

    In other news, my downgrade experience is consistent with others, not heard anything back for over a week. My intent was to use £3k this month and downgrade, I am due to renew later today but would very much like to avoid paying it because the insurance benefit stopping in the next 12 days is the final straw for me, unfortunately. Contacted them on X to see if there is a faster response.

    moss79 29 posts

    Curve have zero customer service its shocking how bad it is weeks on end with no reply to messages .
    Not happy at all as they changed terms on my legacy card without any mention to me never received an email or letter from them . Charges for fx are not disclosed at time of transactions and Also they fail to show a 30 day rolling window in the app for FX so clearly they are trying to maximize profit by causing confusion for customers .

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