Metal Users - Will you be renewing?

sounds like its the least of problems but they need to get better quality metal cards from wirecard or go full metal, the wuality of the cards is an insult to paying premium prices

I only joined curve a few months ago & joined purely so I don’t have to carry cards around with me that I rarely use, so for that it’s been great. (Particularly when my purse was stolen & I only had to replace one card & had use of my others)

I upgraded to Metal about 2 months in & am quite happy so far. I upgraded because my packaged bank account changed it’s terms. I previously had travel ins & gadget cover through them & this seems very similar cover

I don’t have Amex so that’s not an issue for me
Apple Pay would be nice but I rarely use it anyway.
I would rely on the Travel ins if going to Europe but would back up with other cover if Worldwide.
The gadget cover is fine for me.
FX will be useful for me on holiday as none of my other cards currently give this. Will just avoid spending on it at weekends where possible (many other companies have this clause too)
I’m disappointed in Loungekey. I was hoping to use it soon but frankly what you get for £20pp at Heathrow T2 just isn’t worth it. I don’t know if other airports are better.
Cashback is probably only about £3 a month for me. I agree that Metal users should be able to switch more often or have a percentage across all spending.

Whilst I’m happy with Curve generally, I’m still not sure if I’ll keep metal on renewal. If I switch banks & get a decent package with them, it’s probably not worth it unless the terms/cashback improve.

The COOP was in one of your emails grafic over xmas, when offering to change cashback selection i think

My Metal is due end of this month. I have been with Curve since the start. I won’t be renewing. I"ve already emailed support to cancel my subscription and place me on the free tier.

Whats the reason for not renewing?

Hi Marie,

So there’s little point to me updating my card. I’ll be downgrading to blue in the next 20 or so days.

Posting a picture of my card anyway as folks have asked to see the wear and tear after 12 months of light use and being kept in the Curve TUMI wallet.

Few scrapes, doesn’t seem terrible but looks ugly…

Hmm something seems amiss…

Woah, the entire card is de-laminating from the lower right corner!

Essentially I have to baby the card through any chip and pin transaction now or ATM use.

Interesting poll. So essentially out of the 52 metal holders.

22 people will be Renewing
21 people will be downgrading.
9 people will be cancelling completely

Now there is the issue of the vocal minority (e.g. folk who check the forums are those with problems so will naturally tend to negative outcomes) but losing 58% of their metal membership from a single poll, that’s a non-favourable review of their Metal product.

With 42% renewing, 41% downgrading and 17% cancelling :point_down:t2:, how can these be the absolute numbers? :thinking:

52 voters?

I know how percentages work, but for example 42% of 52 is not 9. So what I meant is that the categories/numbers were mixed up.

Correct, 42% of 52 is not 9.

I had the two categories switched around and worked out the final percentage based upon that. Not as damning as I first thought was being indicated but it’s not favourable.

Heres the pictures of the wear and tear you asked for a few days ago


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I’ve just noticed the corners on my red metal card are starting to lift as well (Bad glue?), it’s been kept in the Tumi wallet and admittedly I’m a rather heavy user. Nowhere near as many scuffs as yours but I’d still expect the card to be in much better condition given they have a three year validity on them…

In terms of renewing I may but I’ll also be looking into Amex more


There’s no pictures attached to your post. I’d love to see the wear and tear on your card too.

My card is fine, it was alerting another user to someone posting pictures which they asked for :heart:

Good to know :slight_smile:

My sub is up in March. Now that we have Apple Pay, all I’ll need is 3DS and I’ll be sticking around.

Hi all! Sam from Curve’s Product Team here.

We’re always thinking about how we can make our product provide more value to you. It seems like some of you don’t really value the insurance options that our metal subscriptions offer.

How many of you actually get those insurance benefits from somewhere other than Curve?

  • I already receive the metal insurance benefits elsewhere (eg. from your bank)
  • I don’t get the metal benefits elsewhere

0 voters

Another question: for those of you knew that you received the insurance elsewhere, what was your main reason for upgrading to metal?

One more: overall, where does Curve provide the most value in your life? What problem does it solve for you? What was it about Metal that failed to enhance that value?

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For me Curve solves the problem of not being able to earn rewards/points/cashback when using my Creditcard directly in a foreign currency, without paying a big FX rate markup. With Curve I can add this Creditcard and receive these points without the big FX rate markup…at least during weekdays that is. Metal or (in my opinion) any Curve Card tier should get rid of these weekend FX markups.


My main reason for signing up, since I won’t use the insurance, was the FX benefits and not having to top up Revolut anymore who love to disable account a for ages when waiting for documents.

I travel a lot for work, Curve means I can use my normal bank account or my Credit Cards abroad without worry.

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Thanks for this.

When you signed up, did you immediately select Metal? Or did you try Curve first and upgrade from Blue to Metal?

And just to confirm, your main reason for choosing metal was the superior FX rates?