This is hopefully being dealt with by support, but I haven’t heard back yet.
My policy in the UK is to avoid any ATM withdrawals on credit cards. I would also want to avoid any transaction my credit card provider might treat as a cash withdrawal, thereby charging a cash advance fee.
A couple of weeks ago, a friend had bought some tickets. Because he had a Curve account, I used the send facility on Curve to pay him for my ticket. My Vanquis credit card was selected at the time.
As expected, my friend received the credit. Since these funds were not withdrawable but only spendable, there was no reason for my transaction to be treated as a cash withdrawal. More importantly, nowhere have Curve given any suggestion that sending credit to another Curve account holder would count as a cash withdrawal.
However this is precisely how my transaction was classified by Vanquis. When it appeared on my credit card, Vanquis charged a £3 cash advance fee, plus daily interest. This was unexpected. If I’d known, I’d have selected a debit card or found another method to pay my friend.
I’d like to know if this was meant to happen. I’ve not read about it anywhere on the Curve site. I’ve read repeatedly that you can send money to other Curve account holders, using any of your selected cards. Nowhere is there any warning of potential cash advance fees from credit card providers, as there is for ATM withdrawals. Have others experienced this when they use the ‘send’ feature. Or was my case an anomaly, perhaps related to one credit card company?