Curve X Feedback

Thanks for your feedback so far.

Hi there everyone, thanks for the fantastic feedback and for your honesty in response to some of these changes. I’ve combed through all of your messages and have added key themes with a tally of times raised to a feedback tracker which I’ll provide to our product team. This will also involve a one-to-one feedback meeting with the head of our product team in which I’ll discuss these points with them. Please feel free to continue providing feedback as I’ll continue to pass this along.

2 funding cards limit on Free tier from the 27th of August:

I can also clarify the confusion surrounding the implementation of the 2 card limit for the free tier after the 27th. To confirm, the product team are currently building logic for the app which will automatically limit Free tier users to two active funding cards in the Curve app from the 27th of August.
This means that the claim that you’ll be able to continue using the cards already in your wallet past the 27th of August until they expire or are manually removed is false. However, this is still in development and I will discuss this with the product team, bearing your feedback on this in mind when I do.

I’m sorry for any misinformation that’s been provided and for the confusion caused.

Curve Black Legacy and Legacy cashback

Neither the Curve Black legacy subscription nor the associated cashback benefits of Curve Black Legacy will be affected by the changes that have been made to our subscription model. Curve Black Legacy sits outside of this structure and we don’t anticipate any changes being made to this- I’ll let you know if this changes.

Investors:

There are no plans to include additional discounts or bonus features for Curve investors outside of the benefits associated with upgrading to Curve X and our premium tiers. However, the team are currently building logic within the app which will allow Investors to upgrade to Curve X and keep their investor cards without the Curve X card being automatically issued to them. If you’re an investor and thinking of upgrading then you may wish to wait for this feature to be fully active in the Curve app. I’ll update once this is live or if the team encounter issues.

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I agree, 3 cards would have been acceptable for me, but only 2 cards is absolute nonsense!

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UK beta user, big fan & investor here.

Unless I’ve misunderstood things, it’s proposed to have a 2-card limit on the free tier? Any sensible person would always carry a backup card along with their Curve card and indeed I believe this is recommended on the [rare] occasions when Curve has service interruptions.

So carrying a backup card along with a physical Curve card is… a choice two cards. Why bother carrying the curve card, why not just carry two physical credit or debit cards? They take up the same wallet space.

How the Curve tiers should be…in my humble:

FREE TIER
Unlimited cards / whatever the current limit is - no other features for free. No free ATM, nothing - just the super-convenient “all my cards in one place” sell that Curve has always been. Once enticed by that, some users may also want to add one of the paid-tiers.

MIDDLE TIER
Unlimited cards + a small set of day-to-day features and a £4.99 monthly fee

PREMIUM TIER
Everything from “Middle” + travel perks, cash-back and other sexy features at a £9.99 monthly fee

Having such an unattractive free tier is never going to get people onboard. If they’re not onboard, they don’t have a route into the Middle & Premium tiers.

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I joined Curve in the early days (at first Blue cards only and then Black for £25 was added). I so much appreciated the novel approach I always mentioned it when I used it as well as many other times… There was the initial growth period, then the introduction of GBIT. … All good but then the Amex connection didn’t work and I would guess that thereafter the business plan turned out to be less than ideal which just resulted in money raising efforts and gimmicks but the needed improvements did not materialize… I have continued to support it by continuing to use it but if Curve thinks I’m going to pay a fee for the convenience of not carrying all my cards they can think again! The moment they want to charge me for more than 2 cards or any of their other offers is the moment we part company and my wallet is coming out of retirement! Who and why would someone sign up for the basic plan? And if not the basic who will sign for the X plan? I do wish Curve well but they must realize, especially in the current economic client, that Curve is a convenience not a necessity. Hope they carry but I fear if they continue like this it won’t be for long…

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I’m already checking out VitraCash - just waiting for some more info on their fx fees etc for travelling purposes.

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Just FYI, I also didn’t receive the email (and a family member with the card didn’t either).

I just found out about the changes by coming here to the community site.

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Curve messy operation mode is beyond ridicule - they don’t know what’s happening and give contradictory statements (keep only 2, retain all until expired, etc…) :man_facepalming:

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What? Apple pay, google pay, etc… Living in a country where NFC payments are ubiquitous there is almost no difference between curve and aforementioned (in my case the main benefit of curve is that I can add it to garmin watch but it’s not like TheMostEssentialThingEver)…

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I agree that in the era of ApplePay etc, having a physical card is unnecessary is true in all but one (in my experience) very important exception. Most hotels I stay at require a physical card to swipe at check in. As recently as last week this was very much the case at a Marriott hotel in Pisa I stayed in. Last year I missed out on cashback from an Amex deal because the hotel I had specifically booked to get the cashback refused to accept ApplePay - it had to be the physical card. Perhaps Curve need to change their strapline to 'the only card you will ever need - unless you are staying in a hotel offering cashback!

Inclined to agree. I have 5 cards, but rarely use 2 so they were going as soon as I read the email. So effectively it would mean £1.99 a month (and rising) for the sake of 1 card.

More annoyingly for me my Chase cashback period expires in December, so I would have been more than covered by the ‘cards can continue to be used until they expire or are deleted.’

I think I’ll just keep two debit cards on Curve and carry my credit card as the back up card (I like to know when I need to move to a back up, so I switch anti embarrassment off.)

I’d sooner have FX treated in the same way as Curve Fronted - it’s there, but if I need it then I accept there is a per transaction fee - even just in exchange for 1 more card slot. Reading the comments, it feels like this would remove a lot of the negativity. In a cost of living crisis less of us will be going anywhere to make use of it, or the insurances we end up with if we need 6+ card slots.

Is there plans to reduce spending limits in free tier?

Somebody in facebook wrote their observation

15k czk is about 605 euro.

Update: According to Curve help article it seems to be DAILY limit, not yearly. Your Curve spending limits

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So funny to see “loyal” users complaining about free tier but not committing to financially support the company. There is no such thing as free meals. It’s time to support the company guys. It’s not the end of the world.

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It’s funny that you assume that Curve is not making money on each transaction. Maybe you also applaud banks that yield high profit by operating money stored on the accounts yet still bold enough to charge users for the “privilege” of having an account? :rofl:

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i agree on the “commercial” mention in the email to existing Curve X users.

It is unclear how a “commercial” card is defined.

For example i have a business mastercard on my Curve account - is that defined as a “Commercial” card?

Furthermore the line “Only customers with a premium subscription will be able to add…” is again unclear when referring to the free card offer. What is a “premium subscription”?

It’s ambiguous language that just creates confusion.

Please can someone qualified explain in an unambiguous way what this means?

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According to the page below you will able to add business cards as underlying cards on the Curve X tier and ‘higher’.


You mean like the thousands of pounds, tens of thousands, even hundreds of thousands even, that many many people here invested in Curve? I must say, you’re being incredibly shortsighted if you think that the most loyal of customers haven’t supported the company to date. It’s a very foolish way of thinking and you should perhaps look at the situation from the perspective of others before saying things like that. A huge number of people on this forum, even those on the free tier, have given FAR more money, time and energy to Curve than someone who may have handed over £15 quid a month for a year or two on a subscription tier.

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interesting information

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You’ve conveniently forgotten that banks make money via loans Curve doesn’t do that. You’ve also forgetting that banks also make money from offering credit cards to it’s users. Curve doesn’t do that. Banks have multiple income streams. Curve? Not so much.

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2 posts were merged into an existing topic: Vitracash, Curve’s Competition?

Eh, curve flex is effectively a credit card meets BNPL and they will be making money from the interest generated.

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