Curve changes from November 10th

[Angelamc11]

Ash wrote:

Slight tangent but the curve mobile phone insurance, is that limited to travel/trips? Where do you find the policy number?

Cracked my phone, may as well make use of the curve mobile insurance before we part ways!

The insurance for mobiles is not limited to trips. I claimed after losing my phone and it was surprisingly paid out within a week.

[Cranzle]

Carlos wrote:

Ash wrote:

Slight tangent but the curve mobile phone insurance, is that limited to travel/trips? Where do you find the policy number?

Cracked my phone, may as well make use of the curve mobile insurance before we part ways!

In the app. Account and then insurance

Looks like gadgets are no longer covered. Just mobiles

Can someone please clarify/explain this? I recall Curve Metal cover being changed from mobile only to also cover gadgets. Now it seems to have reverted back to mobile only?

[Carlos]

Cranzle wrote:

Can someone please clarify/explain this? I recall Curve Metal cover being changed from mobile only to also cover gadgets. Now it seems to have reverted back to mobile only?

Exactly my point! As a metal user from pre-2020 I decided to stick by Curve and keep metal (3 years running) for their impressive insurance which included gadgets such as laptop. Now they are using evasive tactics to avoid any mention of laptops

They have the audacity to say reach out to us if you are a legacy user but when I did (twice) their CS agents were clueless and just directed me to the website with insurance policies (which are not offline!!)

[ms]

Angelamc11 wrote:

Ash wrote:

Slight tangent but the curve mobile phone insurance, is that limited to travel/trips? Where do you find the policy number?

Cracked my phone, may as well make use of the curve mobile insurance before we part ways!

The insurance for mobiles is not limited to trips. I claimed after losing my phone and it was surprisingly paid out within a week.

What is the claim amount that was paid versus the value of the phone?

[Angelamc11]

ms wrote:

Angelamc11 wrote:

Ash wrote:

Slight tangent but the curve mobile phone insurance, is that limited to travel/trips? Where do you find the policy number?

Cracked my phone, may as well make use of the curve mobile insurance before we part ways!

The insurance for mobiles is not limited to trips. I claimed after losing my phone and it was surprisingly paid out within a week.

What is the claim amount that was paid versus the value of the phone?

The phone was 3 months old and they paid 100% of the cost.

[Cranzle]

Carlos wrote:

Cranzle wrote:

Can someone please clarify/explain this? I recall Curve Metal cover being changed from mobile only to also cover gadgets. Now it seems to have reverted back to mobile only?

Exactly my point! As a metal user from pre-2020 I decided to stick by Curve and keep metal (3 years running) for their impressive insurance which included gadgets such as laptop. Now they are using evasive tactics to avoid any mention of laptops

They have the audacity to say reach out to us if you are a legacy user but when I did (twice) their CS agents were clueless and just directed me to the website with insurance policies (which are not offline!!)

I hope @JDB can clarify. I know he’d linked some policy documents previously, but I’m very unclear.

[sturgeon]

So now with all this news it may be worth asking a few questions. I’m still baffled as to what curve thinks is a fronted transaction. There seems to be no obvious way to tell. I’m sure me paying off a credit card using my curve is definitely fronting. Yet some savings accounts allow you to top up via Apple Pay and whilst not allowing a credit card, curve does work. So is this fronted?

And someone mentioned topping up an ISA and this not counting as fronting. I assume this only works if you can use credit cards to top up this ISA, in which case how does Curve know that the retailer accepts credit cards (and presumably debit cards) and hence doesn’t count it as a fronted transaction?

Which savings accounts or ISA’s accept credit card top ups which don’t count as fronted and don’t incur some kind of fee from the underlying credit card (Barclaycard)? Happy to exchange info, I have a savings account that allows unlimited topups via Apple Pay to easily reach the fronted limit monthly.

[NorthernLass]

I don’t know if there’s an official guide, I’ve only ever seen Curve talk about “transactions such as …” in a non-committal fashion. However, you do get a notification if you try to make a fronted transaction and it’s not switched on, IIRC.

[Rui N.]

It’s trial and error basically. Turn fronted off, try it and if it goes through it is not fronted. Simples.
What constitutes fronted is whatever Curve bothers to set up as such. More obscure places are more likely to not have been set up as fronted. Not accepting credits cards does not necessarily mean it’s fronted (e.g. tax free childcare does not accept credit cards and is not fronted)

[Lendo]

sturgeon wrote:

So now with all this news it may be worth asking a few questions. I’m still baffled as to what curve thinks is a fronted transaction. There seems to be no obvious way to tell. I’m sure me paying off a credit card using my curve is definitely fronting. Yet some savings accounts allow you to top up via Apple Pay and whilst not allowing a credit card, curve does work. So is this fronted?

And someone mentioned topping up an ISA and this not counting as fronting. I assume this only works if you can use credit cards to top up this ISA, in which case how does Curve know that the retailer accepts credit cards (and presumably debit cards) and hence doesn’t count it as a fronted transaction?

Which savings accounts or ISA’s accept credit card top ups which don’t count as fronted and don’t incur some kind of fee from the underlying credit card (Barclaycard)? Happy to exchange info, I have a savings account that allows unlimited topups via Apple Pay to easily reach the fronted limit monthly.

Would like to trade some info for the name of the savings account provider but not sure how to DM you.

[sturgeon]

Lendo wrote:

sturgeon wrote:

So now with all this news it may be worth asking a few questions. I’m still baffled as to what curve thinks is a fronted transaction. There seems to be no obvious way to tell. I’m sure me paying off a credit card using my curve is definitely fronting. Yet some savings accounts allow you to top up via Apple Pay and whilst not allowing a credit card, curve does work. So is this fronted?

And someone mentioned topping up an ISA and this not counting as fronting. I assume this only works if you can use credit cards to top up this ISA, in which case how does Curve know that the retailer accepts credit cards (and presumably debit cards) and hence doesn’t count it as a fronted transaction?

Which savings accounts or ISA’s accept credit card top ups which don’t count as fronted and don’t incur some kind of fee from the underlying credit card (Barclaycard)? Happy to exchange info, I have a savings account that allows unlimited topups via Apple Pay to easily reach the fronted limit monthly.

Would like to trade some info for the name of the savings account provider but not sure how to DM you.

Email me a word of your choosing to upper_ensure352@simplelogin.com (this will forward it onto me as this is an alias) and reply to this message on the forum to confirm it’s you.

[Toaster]

sturgeon wrote:

So now with all this news it may be worth asking a few questions. I’m still baffled as to what curve thinks is a fronted transaction. There seems to be no obvious way to tell. I’m sure me paying off a credit card using my curve is definitely fronting. Yet some savings accounts allow you to top up via Apple Pay and whilst not allowing a credit card, curve does work. So is this fronted?

And someone mentioned topping up an ISA and this not counting as fronting. I assume this only works if you can use credit cards to top up this ISA, in which case how does Curve know that the retailer accepts credit cards (and presumably debit cards) and hence doesn’t count it as a fronted transaction?

Which savings accounts or ISA’s accept credit card top ups which don’t count as fronted and don’t incur some kind of fee from the underlying credit card (Barclaycard)? Happy to exchange info, I have a savings account that allows unlimited topups via Apple Pay to easily reach the fronted limit monthly.

Using fronted to fund savings accounts is something I expect everyone here to know about already.

Using curve without fronted and still getting the underlying credit card rewards is the trick.

[sturgeon]

Exactly. So what are some of those options or examples? I’m trying to think of an option to deposit/load up somewhere and cycle the money. I know many will say this should be kept discreet but we are seeing the card massively devalued so may as well make hay now.

[NorthernLass]

It’s all in the existing Curve threads, to be honest!

[Lendo]

sturgeon wrote:

Lendo wrote:

sturgeon wrote:

So now with all this news it may be worth asking a few questions. I’m still baffled as to what curve thinks is a fronted transaction. There seems to be no obvious way to tell. I’m sure me paying off a credit card using my curve is definitely fronting. Yet some savings accounts allow you to top up via Apple Pay and whilst not allowing a credit card, curve does work. So is this fronted?

And someone mentioned topping up an ISA and this not counting as fronting. I assume this only works if you can use credit cards to top up this ISA, in which case how does Curve know that the retailer accepts credit cards (and presumably debit cards) and hence doesn’t count it as a fronted transaction?

Which savings accounts or ISA’s accept credit card top ups which don’t count as fronted and don’t incur some kind of fee from the underlying credit card (Barclaycard)? Happy to exchange info, I have a savings account that allows unlimited topups via Apple Pay to easily reach the fronted limit monthly.

Would like to trade some info for the name of the savings account provider but not sure how to DM you.

Email me a word of your choosing to upper_ensure352@simplelogin.com (this will forward it onto me as this is an alias) and reply to this message on the forum to confirm it’s you.

I love jacket potatoes. 🙂

[slidey]

It was so much better when bendy and beardy were regularly appearing, rather than ‘cycle the money’ 🙂

[09R]

sturgeon wrote:

Exactly. So what are some of those options or examples? I’m trying to think of an option to deposit/load up somewhere and cycle the money. I know many will say this should be kept discreet but we are seeing the card massively devalued so may as well make hay now.

Have emailed you too

[Ash]

sturgeon wrote:

Lendo wrote:

sturgeon wrote:

So now with all this news it may be worth asking a few questions. I’m still baffled as to what curve thinks is a fronted transaction. There seems to be no obvious way to tell. I’m sure me paying off a credit card using my curve is definitely fronting. Yet some savings accounts allow you to top up via Apple Pay and whilst not allowing a credit card, curve does work. So is this fronted?

And someone mentioned topping up an ISA and this not counting as fronting. I assume this only works if you can use credit cards to top up this ISA, in which case how does Curve know that the retailer accepts credit cards (and presumably debit cards) and hence doesn’t count it as a fronted transaction?

Which savings accounts or ISA’s accept credit card top ups which don’t count as fronted and don’t incur some kind of fee from the underlying credit card (Barclaycard)? Happy to exchange info, I have a savings account that allows unlimited topups via Apple Pay to easily reach the fronted limit monthly.

Would like to trade some info for the name of the savings account provider but not sure how to DM you.

Email me a word of your choosing to upper_ensure352@simplelogin.com (this will forward it onto me as this is an alias) and reply to this message on the forum to confirm it’s you.

Oh I forgot my code!

“Rugby World Cup cheese”

[Harrier25]

My God. Get a room, guys! 🙄

[BBbetter]

slidey wrote:

It was so much better when bendy and beardy were regularly appearing, rather than ‘cycle the money’ 🙂

Good that they haven’t used terms like manufactured spending or money laundering.

[shub]

Rui N. wrote:

It’s trial and error basically. Turn fronted off, try it and if it goes through it is not fronted. Simples.
What constitutes fronted is whatever Curve bothers to set up as such. More obscure places are more likely to not have been set up as fronted. Not accepting credits cards does not necessarily mean it’s fronted (e.g. tax free childcare does not accept credit cards and is not fronted)

Not anymore, This Monday tax free childcare payment was declined as fronted was off. Looks like Curve is trying to catch up

[sturgeon]

I have looked through old threads but the paranoia meant there’s no info I can find on non fronted spend opportunities. Any further help appreciated.

[Rui N.]

shub wrote:

Rui N. wrote:

It’s trial and error basically. Turn fronted off, try it and if it goes through it is not fronted. Simples.
What constitutes fronted is whatever Curve bothers to set up as such. More obscure places are more likely to not have been set up as fronted. Not accepting credits cards does not necessarily mean it’s fronted (e.g. tax free childcare does not accept credit cards and is not fronted)

Not anymore, This Monday tax free childcare payment was declined as fronted was off. Looks like Curve is trying to catch up

You are, unfortunately, correct. Just tried it now, and you need indeed Fronted for tax free childcare :/ Curve probably got me for another couple of years then.

[NorthernLass]

I’ve now had virtually the same inane response from Curve, including the annoying “we totally understand where you are coming from” (I very much doubt that 😂). Need to crunch some numbers then make a decision about our relationship going forward …

[G]

Rui N. wrote:

shub wrote:

Rui N. wrote:

It’s trial and error basically. Turn fronted off, try it and if it goes through it is not fronted. Simples.
What constitutes fronted is whatever Curve bothers to set up as such. More obscure places are more likely to not have been set up as fronted. Not accepting credits cards does not necessarily mean it’s fronted (e.g. tax free childcare does not accept credit cards and is not fronted)

Not anymore, This Monday tax free childcare payment was declined as fronted was off. Looks like Curve is trying to catch up

You are, unfortunately, correct. Just tried it now, and you need indeed Fronted for tax free childcare :/ Curve probably got me for another couple of years then.

That’s a shame it was a great non fronted points earner.

Little extra tip, use Zilch with tax free childcare and you can get an additional 0.5% cashback. Helps me pay the metal fee every month 😉