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  • Wally1976 205 posts

    Hopefully a simple question…the Curve Metal card has a rolling 30-day ATM limit of £1k and a foreign ATM limit of £1k.

    What I would like to know is are these two separate limits or are they a combined limit? I.e. if I withdraw £1k now in the UK and then go abroad next week, am I able to withdraw £1k there without fees?

    TIA

    Wally1976 205 posts

    Anyone know?

    Wally1976 205 posts

    For info, I have asked Curve and they have told me the two limits are separate. Good news!

    NorthernLass 8,549 posts

    You just have to find an ATM which doesn’t charge for cash withdrawals abroad now!

    JDB 4,895 posts

    For info, I have asked Curve and they have told me the two limits are separate. Good news!

    Do bear in mind that your underlying card provider might charge you a cash advance fee + interest from the date of such withdrawals and that obviously abroad many machines will charge fees on each withdrawal.

    phantomchickenz 366 posts

    For info, I have asked Curve and they have told me the two limits are separate. Good news!

    Do bear in mind that your underlying card provider might charge you a cash advance fee + interest from the date of such withdrawals and that obviously abroad many machines will charge fees on each withdrawal.

    What’s the experiences like on this? Before the rule change I used to happily make the odd ATM withdrawal and experience no fees. Haven’t had to for a few years, but now have a tradesman to pay in cash. Are people finding they get charged fees now from the underlying card provider?

    NorthernLass 8,549 posts

    Not been charged fees on V and HH cards so far.

    Wally1976 205 posts

    Nor for me on Avios Barclaycard. This was in the UK, I’ll report back in the next few days regarding withdrawing abroad.

    TooPoorToBeHere 266 posts

    The MCC for cash withdraw on Curve is something innocuous like “other business services” – I don’t think you’ll get charged by the underlying card provider.

    DonLee 232 posts

    Just noticed cash advance fee was charged on my wife’s newly applied VS+ card. That was using same curve metal card without any fees if the underlined card is my own VS+ card.

    JDB 4,895 posts

    Just noticed cash advance fee was charged on my wife’s newly applied VS+ card. That was using same curve metal card without any fees if the underlined card is my own VS+ card.

    Well, you can hardly argue with Virgin that it wasn’t a cash like transaction. It’s pretty clear Virgin keeps expanding the range of transactions that attract a cash advance fee and that this fee is irreversible/non-refundable even with GBIT.

    roger 236 posts

    I have curve metal, Withdrew £500 and was charged £506 (£6 ATM fees) with underlying Santander All in one credit card.
    This was at a Lloyds bank branch ATM, I cannot work out what these fees are for?
    Other £500 withdrawn at the same time (prior to this transaction) did not get charged any fees and
    it is 31 days since last ATM withdrawal with Curve Metal.

    Any clues?

    JDB 4,895 posts

    I have curve metal, Withdrew £500 and was charged £506 (£6 ATM fees) with underlying Santander All in one credit card.
    This was at a Lloyds bank branch ATM, I cannot work out what these fees are for?
    Other £500 withdrawn at the same time (prior to this transaction) did not get charged any fees and
    it is 31 days since last ATM withdrawal with Curve Metal.

    Any clues?

    You have stated in your post what the fees are for – ATM fees, for use of an alien card. It’s not a Curve charge as that would be £5. You are fortunate that it seems Santander hasn’t yet charged you for the cash advance.

    roger 236 posts

    Used the same machine with underlying Barclay card at the same time and wasn’t charged any fees!
    I see as Curve being unpredicatble, but that was to be expected as there are always “trial and error” cases with new card / new ATM operator.

    NorthernLass 8,549 posts

    I used Curve to withdraw 600 euros in Spain last week, split between V and HH. V charged £1.70, however as Unicaja doesn’t charge an ATM fee, this was still a very cost effective way of getting cash abroad. Not everywhere takes credit cards, and I prefer to leave cash tips as I feel they are more likely to get to the staff – though I have no idea if this is correct!

    So far still not been charged anything for domestic withdrawals.

    roger 236 posts

    same ATM machine –
    1) Used HSBC debit card treated as domestic.
    2) Used Curve Metal – Language Selection option comes up which is a potential indication of an “overseas card”!

    Still relishing joys of curve Metal until the next renewal although could get pro-rata refund but at the moment
    £3k fronted + £1k ATM per 30 days (and having to look up Timeline in the app and TimeandDate.com!), I am still in profit!

    DarrenS 100 posts

    Not been charged fees on V and HH cards so far.

    Same. However my Curve card has twice been swallowed by the ATM. So no longer worth the risk for me.

    NorthernLass 8,549 posts

    Which bank?

    roger 236 posts

    Which bank?

    It was a Lloyds Bank ATM

    JDB 4,895 posts

    Well using Curve at ATMs is anyway a bit of a high wire act. Curve refers to such withdrawals in its fee schedule while the T&Cs say you must always comply with the terms of the underlying card(s) and those say you can’t make cash withdrawals without paying a fee (for regulatory and accounting reasons) and clearly the users know this or they would be using their credit cards directly.

    It only works because Curve is sending the wrong data to card providers without them realising. They would, of course, be within their rights to adjust those transactions for fees and points when the error is discovered, so it is all rather messy.

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