I have had a Curve commercial card since launch in 2016 and have previously used Curve commercial cards with a 5375 91 BIN to pay HMRC without any surcharges, but I see that HMRC has now started surcharging for commercial debit cards including this BIN.
Therefore I asked Curve to issue me with a consumer card instead. They issued me with another card starting 5375 91, which I haven’t received yet, but when I try to use it on HMRC’s web site, of course there’s still a surcharge. If I enter the card number of a cancelled Curve consumer card with a 5375 90 BIN, then HMRC’s web site doesn’t surcharge, but obviously I can’t complete the transaction with a cancelled card.
I have been trying to get a consumer card from Curve for a week, but Curve support fails to respond to my e-mails. Every time I respond to Curve support, I need to phone Curve on 020 3322 2585, and the receptionist then prompts Curve support to read my e-mail, otherwise I receive no response. When I’m paying £150 per annum, I expect better service.
When I wrote to Curve support:
The new card that you have issued me starts 5375 91, the same as my existing commercial card. HMRC has started surcharging for commercial cards starting 5375 91, but not for consumer cards starting 5375 90. Please could you ensure that you issue me with a consumer card starting 5375 90, and not a commercial card starting 5375 91.
Curve support responded:
I can assure you that my colleague [redacted name] reissued you a personal card rather than commercial. The sub-BINs will determine whether it’s business or personal and not the first 6 digits (BIN) of the card. Hope this clears things up!
This is clearly not true, because HMRC’s web site indicates there’s a surcharge as soon as one enters 537591, before entering any further digits.
Curve support are not responding. What more can I do? Can anyone validate what is written above?