Curve has officially hit end of the road for me. NatWest are now introducing 2.99% cash fees.
Let’s see how long support take to respond to my metal downgrade request. Any extra charges I incur I will chargeback to curve (monthly fees).
Card is now locked.
2.99% for every transaction via curve (exorbitant !!!) or just for taking out cash from atm?
Interestingly that’s the percentage cut they, and others (there’s a new post here mentioning HSBC proposing the same fee), take for a foreign exchange ATM transaction.
Seems like they want to take the same cut for doing no extra work at all, either abroad or now at home.
Well, maybe this is going to be the thing that finally has me move my money elsewhere.
Every transaction. Same as hsbc and virgin.
Never use atm.
Had two on fronted and one normal. Classes as a cash advance due to curve being an eMoney product
Curve need to address these issues with NatWest, HSBC, Virgin as a matter of urgency.
It renders the product in part unusable.
I hope more providers don’t follow suit, but it wouldn’t surprise me if it did.
Has something changed in the way Curve processes transactions for them to suddenly change their opinion and now treat these transactions differently?
I had high hopes when Joel joined the Curve Community. But even he seems to be missing in action now.
Same he’s been Mia for weeks now if not longer.
The last announcement he posted was already after the curve x tier discount period ended.
No news on my request to close my account and refund the fees. To be honest I don’t expect a reply.
I’ve got screenshots of my increasingly fraught conversations, largely one way, with Curve so the ground is prepared for a chargeback as they are obviously not providing the service I’ve paid for.
At least NatWest, HSBC, Virgin haven’t gone the way Amex did and just block curve but it looks like curve is coming to a end but you can get new metal card colour
Seems this is only for fronted transactions that I have made.
That’s a big perk of metal gone for me. I don’t need the travel insurance nor lounge key.
So it is only Fronted, and not ALL transactions for you?
I’ve only used it for fronted, but don’t want to even remotely try another transaction to check in all honesty.
For testing - go to shop and buy smallest item you can find (like match box or something)
I’m pretty sure that, on past form, Curve will work without any additional charges for normal retail purchases. The issues occur with Curve Fronted, which seems to ceasing to exist at least for MasterCard-routed debits, and also for cash withdrawals.
Needless to say that for Curve Metal users this leaves a big hole in the service being paid for made worse because Curve still refuses to say what is going on and people are receiving charges. This doesn’t seem to be something Curve feel they need to comment on which is disgraceful.
Normal transactions have been fine, it’s just fronted.
Curve really just need to change the MCC codes they send through then this won’t happen. But fronted is a big part of my metal subscription use, without being able to use it is irrelevant for me to keep my subscription.
Reached out to support so let’s see how long it takes for a response.
Check carefully that these card issuers’ T&Cs do allow them to treat fronted transactions as cash, e.g. paying off another credit card or adding money to an ISA, pension or NS&I. Note that money purchase, whose MCC Curve blocks, is a different MCC from these popular types of Curve fronted transactions.
Remember that these card issuers cannot interpret their T&Cs in their favour. There is a well-established legal doctrine called contra proferentem, which causes any ambiguity in a contact to be interpreted against the author. Although the principle is well established in case law in many jurisdictions, it is often codified into statute, including in the United Kingdom by Section 69 of the Consumer Rights Act 2015, which states:
If a term in a consumer contract, or a consumer notice, could have different meanings, the meaning that is most favourable to the consumer is to prevail.