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  • idontfly 44 posts

    Any thoughts, signed up, for fun linked to Curve and it came up as a Santander card! Debit card with 0.5% cashback – £20 cashback a month. I can’t find the T+Cs though

    AndyGWP 277 posts

    I’m still on waitlist – didn’t even realise it was out

    tontoro 108 posts

    How do you get the card, I can only see waitlist as well?

    idontfly 44 posts

    Joined the waitlist and got notified I could setup the account a couple of days back

    tontoro 108 posts

    Just got my one

    Aston100 1,425 posts

    Is it time to revive the Che Sandy Bendy Bondies talk again?
    I do hope not…

    memesweeper 1,268 posts

    Is it time to revive the Che Sandy Bendy Bondies talk again?

    I think we should ask ERNIE 🤣

    tontoro 108 posts

    Just made a test payment to HMRC, seems to work fine. Comes up as personal debit card.

    can2 531 posts

    Usually the point is whether the underlying card charges you anything, I guess.

    tontoro 108 posts

    There is no underlying card

    Aston100 1,425 posts

    There is no underlying card spoon

    Fixed that for you.

    laughingplace 28 posts

    do you get the 0.5% cashback for paying HMRC? Since Curve limited fronted to £3k per month, I’ve been looking for an alternative card to funnel the excess through

    tontoro 108 posts

    I’m assuming so, but don’t know for certain yet

    JDB 4,515 posts

    With cashback capped at £20/month and HMRC as an excluded merchant along with other obvious ‘cash’ type categories, this card doesn’t sound too exciting. The ‘waiting list’ is a good way to grab attention through.

    tontoro 108 posts

    Where does it say HMRC is excluded, I haven’t seen any terms for the card? Will be totally useless for me if so

    JDB 4,515 posts

    Where does it say HMRC is excluded, I haven’t seen any terms for the card? Will be totally useless for me if so

    These are the terms which have a link to the excluded merchants.

    https://www.trading212.com/legal-documentation/uk/Card-Cashback-Terms_EN.pdf

    tontoro 108 posts

    Thanks, will have a read

    tontoro 108 posts

    Oh wow, that’s quite the list. What a waste of time.

    tontoro 108 posts

    Why do they exclude all this stuff, do card companies get smaller fees for certain types of transaction?

    memesweeper 1,268 posts

    Why do they exclude all this stuff, do card companies get smaller fees for certain types of transaction?

    They have a budget for cash back incentives and need to focus it on real spending by real customers, not people who want to rinse large amounts of cash through with no actually interest in Trading 212.

    The Urbanite 118 posts

    Is it time to revive the Che Sandy Bendy Bondies talk again?
    I do hope not…

    That era of MS, the prepaid cards, savings accounts and Curve is definitely done now. I think the cashback card people have learned the hard way and talk to each other. With the right knowledge, individuals could draw tens, if not hundreds of thousands of pounds in cashback without limits. Curve’s debit card made it so easy to do MS that it caused upset with various financial institutions who have capped rewards earnings and increased the excluded transactions.

    MS still very much exists, but in my opinion the game has evolved and moved away from topping up cards and savings accounts and withdrawing, apart from a few legacy routes which probably aren’t so attractive to everyone.

    Routes like this T212 card, I can see clear ways to pocket that £20 despite the restrictions but it’s barely worth it!

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