Curve Card | 2021 review & guide
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- čas přidán 11. 07. 2024
- UPDATED 2022 REVIEW • Curve Card review 2022...
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The Curve smart card and app promises to let you take just one debit card out with you and leave all your other debit and credit cards at home.
But it's not a bank. Instead it's a middleman a bit like using Apple or Google Pay but with added features.
I've taken an in-depth look at how to get Curve, how to add your cards and explained some of the pros and cons.
Plus the difference between the free Curve Blue and paid for Curve Black and Curve Metal.
#Curve #CurveCard #CurveCardReview
TIMESTAMPS:
0:00 Intro to Curve
1:05 Different types of Curve (Blue, Black & Metal)
3:00 Applying for Curve
3:30 Adding a card to Curve
4:30 American Express and Curve
5:10 Selecting a card to pay with
6:00 Spending on Curve
7:00 Losing out on offers on connected cards
8:15 Consumer protection, Section 75 and Curve
9:30 Curve's Back in Time feature
11:03 Curve's security features
12:05 Overseas and holiday spending with Curve
15:17 Curve's cashback offer
19:31 Spending limits
20:15 Using Curve to pay off credit cards and tax bills
21:15 Should you get Curve Blue?
22:31 Should you get Curve Black or Curve Metal?
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▶︎▶︎▶︎ FURTHER READING
Monzo vs Starling vs Revolut vs Monese
• The best mobile bank: ...
My Curve review on the blog
becleverwithyourcash.com/curv...
My 14 bank accounts
becleverwithyourcash.com/my-1...
Section 75 in more detail
becleverwithyourcash.com/cred...
How much a specialist travel money card will save you
becleverwithyourcash.com/the-...
Get Curve
www.curve.app/en-gb/join#25PBH
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▶︎▶︎▶︎ ABOUT ANDY
Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, presents Channel 5’s Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com.
Andy's CZcams channel won Best Money Vlogger at the 2017 SHOMO awards.
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DISCLAIMER
Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.
UPDATED REVIEW HERE czcams.com/video/zunfuJiBjJc/video.html
I apply today , i'm usually using samsung pay , and curve was there and apply i didn't try yet , you're video is really helpful
Thanks been a great help to me as I have just got it and started using today thanks
Glad it helped
A very informative video, thank you, answered a number of questions I had about this card.
That’s great. So glad I could help. Let me know how it goes if you get one
Wow! You’re so amazing like they are advertise you on here 💯💯I got my card 💪🏽
Thank you for the video. Just signed up with your code 😊👍
Awesome! Thank you!
Thanks this was really helpful
No problem! It's a handy card to have in your wallet
Nice and detailed video, thanks! 😊
Thanks!
At the moment the go back in time feature has been extended to 90-days. It's a temporary measure during lockdown, but it could continue
Would be good to see you check out the MCO visa card
Hello Andy which is most better Curve or air reward time
thanks for honest review
Any time
If you have the Standard card, is it not possible to get round the 2-cards-limit issue, simply by removing and adding cards as and when you want to use them?
Been with curve for two weeks now and happy so far.. free version card
Glad it's useful
Hi, quick question if that's ok? If I choose the £9.99 option how long am i tied in? Is it possible to just do it for 1 month? Thank You!
P.S. Thank you for all of your videos, they are so helpful and well made. I really appreciate them.
Do you know when is 500€ limit for transactions in different currency reseted? It's 1 per month but when? 1. Day in month or from card issue, or from 1. Payment? It's not visible in the app and I need to know, so I don't have to pay 2% fee. Thank u!!!
if you want to set up payments to come off say card 1 and another off card 2 can this be done via the curve card? good video like given and subscribed ;)
Yep. You get to change the payment card before the transaction if you want, or you can do it up to 90 days after.
Do u have to pay for the blue curve card monthly?
Paying for the metal card up front will cost you £150 (12.5 per month). As long as you can cover 12.50 in cash back you are essentially getting free travel & mobile insurance, as well as airport lounge access. Tesco, Sainsbury’s, Amazon and justeat cover this cost for me each month. 👍
Thanks Sean. Though you could earn that cashback elsewhere (and more) without the fee, so it's still an extra cost to upgrade.
@@BeCleverWithYourCash But they are passing over MCC to the underlying card. So if that gives you cashback for groceries or furniture stores. You hat that too, when you select Tesco and IKEA for example. Also you can use the time back when you maxed out your cashback limit on one card. Charge it on another and then go back in time to hour first card when your limit resets. I hope that helps ;)
@@dezsijanos amex has way better cash back offers so your comment doesn’t really hold as you’d always be losing out. with Amex you can get literally hundreds of pounds worth of cashback or points in a year if you know how to use the card right. Atm only the blue card is worth it unless they reintroduce amex support.
@@uuee6666 it holds if you consider that we have counties in the world where Amex is not there (or when they tried to penetrate the market, they could not offer meaningful cashback and develop their network for retailers accepting the card, so left after a year as no one used their card) maybe you’re in a lucky situation and using Amex is a better option for you than using Curve with a MC or Visa, but for those who has access to MC or Visa only, still potentially can benefit from using these cards through Curve
Is this card now accepted by Barclays as I know Barclays pulled support a year or so ago?
For the blue card, is the 1% reward only limited to the first 3 months of use (and 0% afterwards)? Or is it always available for 3 (newly) chosen shops/retailers for every 3-month reward cycles?
Just the first three months
I’ve just signed up via Samsung pay as it wouldn’t allow me to add my virgin card. Please tell me I haven’t signed up to £9.99 option.
I applied and have a black card I am sure I clicked on the free version how do I cancel it
Such an education video!
Speaking of paying off a credit card.
I am 17, so not that well educated on the process, but how does one go about paying off a credit card?
Do you make a purchase from the credit card and then manually send the money from the debit card to pay it off or can set it up automatically?
So when you do make a purchase from your credit card, your debit card will automatically send money to pay it off?
Thanks in advance :)
HI Taran, thanks! Yes, you can manually make a payment to the credit card from your debit card. You can also set up a Direct Debit to clear a set amount each month - ideally the full balance so no interest is charged
Nice review, Andy. I just got a Curve Blue Card. Have a question about ATM withdrawals...if you link your Monzo debit card, which has a £200 limit per month on free ATM cash withdrawals, to your Curve debit card, can you effectively take out over £200 a month for free without incurring a fee? Everywhere seems to be going cashless nowadays anyway so doubt most people will need to withdraw more than £200 a month, but just wondering if you do then will Curve effectively nullify the free ATM withdrawal limits of the cards you add to it?
Cheers!
Hi Eric. Great questions! Sadly I don't know. It might be worth asking on Curve's help desk how they class the passed on ATM transaction. If Monzo see it as a cash withdrawal it'll likely count towards the limits. Let me know what you find out
@@BeCleverWithYourCash From what I have read it won't work because Curve will send over a code to tell your bank that you are withdrawing cash from an ATM. However, if you are in a country where Curve supports the currency, you can get around the Curve ATM limit of £200 if you have an account with higher or no withdrawal limits like Starling by setting the card currency to the local one.
I love curve but sadly mobile payments don't work 100% from my Huawei pro 40, I can pay in Lidl but not on old terminals :(
Hi Andy,
Do I understand it right. So if I go to Sainsbury's and I spend £100 and use a nectar card, and then I pay with a Curve card that is then going to pull the money from Tesco Credit card. Am I going to get 100 points on nectar, 1£ cashback on the Curve, and 16 points with Tesco Clubcard?
Is that actually allowed?
Cheers
Hi Jakub.
Yes, so if you swipe your separate nectar card you'll get your points for that (same as if you had a Tesco Clubcard etc).
Then when you pay with Curve you'll get your selected cashback (for how long you get this depends on the card you have).
And if the underlying card is a cashback or reward credit card offering money or points back on each spend regardless of the shop (like your Tesco Clubcard one) you'll earn the points through that too.
What you won't get from the underlying payment card are any store specific offers (eg my Natwest Reward account is offering 10% back at Morrisons at the moment).
@@BeCleverWithYourCash
How about Tesco credit card.
Let's say I use my Curve at the ATM to withdraw 200£ daily, and charge my Tesco credit card.
I presume I can get the cash with NO fees then from either Tesco and Curve this way. Tesco Credit card would see it as a payment to Curve merchant I suppose.
If I then go and deposit that to my current account and transfer it back to Tesco credit card, can I this way boost my credit score?
that is £4000-6000 in a month of IN and OUT payments on my Tesco Bank statement...
Would this be viewed as some fraud and could I get in trouble for this?
Do the cashback work for fuel? So if the cashback retailer is Asda will you get the cashback for buying petrol?
I'd assume so but you should probably check with Curve.
Hi Andy. What are your thoughts now curve are changing their fee structure? Like you, I have multiple cards on curve, which means I'll be going from free to 9.99 per month. Do you think it's worth it? Great video - thank you.
Tbh I've been expecting this for some time from Curve, mind you I upgraded to the curve x on their offer for £1.99 for 12 months. It does me ok for the cards I have, but unfortunately for you as you say it's gonna cost you £9.99.
Personally I use curve loads & find it so convenient for my circumstances so I'm willing to pay the subscription. Altho I can imagine lots of free users wont be happy with the new plans & many will need to decide if the monthly sub cost is worthwhile for them anymore.
@@GedNEUK Thank you. I use it every day and, like you, find it convenient. I'm thinking I might be able to have some cards on google pay and some on curve. That might bring the number down to 5. Thanks again.
@@simonellis778 yeah Simon, I think you'll feel many previous curve free users shuffling cards between Google Pay & Curve to keep curve's monthly sub cost down that's for sure 👍
New video coming Tuesday!
How does the «Go back in time feature» actually work? Say I purchase something with my debit card and «move it» to my credit card. Will it then «refund» my debit card and put the charge on my credit card?
Yep! That's exactly how it works.
Cheers
I'm thinking about getting a card but he only log in I can find is on the Curve app so what happens if I lose my phone?
You’ll be able to log back in when you get a new phone, but you’re stuck until then! The card will still work though as long as the underlying card has enough money to cover purchases
I’m on the hunt to get a metal card for as cheap as possible
I have had nothing but issues with Curve since I signed up on Sunday (19/07/2020) I could only add my Monzo account but my Barclays which is a standard current account, Metro Bank which is a basic cash account and my Nationwide is a Flex Basic account, those 3 banks ALWAYS say “Cannot add this card”. Does the account type affect the card you are trying to add otherwise I have wasted my time with it
Hmm, weird. Have you contacted Curve's support in the app? I've got loads of different accounts on mine.
I have contacted them haven't had a reply yet hope to have something soon
@@dcstanda, is this issue resolved; any joy?
Basic current account cards don't normally allow recurring payments which I believe is how curve bill the card so I imagine that's the reason.
Barclays, Virgin, Halifax, TSB, Santander all connected to curve
when signing up to curve is a card automatically sent to your address. if this was answered in the video then please can someone tell me when
Hey Ed, yes the card is automatically sent. You can also add it to your Apple or Google pay straight away
@@BeCleverWithYourCash is there a way to delete ur curve card and stop delivery.
@@FranDijk_ just dont activate it once it arrives. It is that simple
Not clear of the benefit of curve over Apple Pay. Would it be that some shops don’t take contactless payments ?
Hi Nick, yes I suppose that is a difference, but Curve offers a lot more. For example, I like it as you can move transactions between cards after purchase, and there's fee free overseas spending on underlying cards.
I wanted to add a card to Google Pay but I didn't pay attention and I accidently applied for a black curve card. I haven't used it yet. What is the best way to stop it?
Get in touch with Curve support via the app ASAP and explain what happened
So this is not tap-to-pay app? I can't use nfc and physically pay with my phone?
You can add your Curve card to your phone and use Apple/Google Pay etc that way
Hello, I was wondering I’ve set everything up on Curve I will receive my card through post on 30th November I can’t currently add card to apple wallet does the card need to be with me before I do that?
Hi Dewin, did you do it? How long did it take for the card to come?
Has multiple cards cause he has a side hustle iswell 😂😂
if one of your cards linked to the curve app expires or is stolen, you have to replace the card and add it again to the curve app. You will not have access to that account with the curve card otherwise.
Yes that's right
I can't add card and complete the initial process. I stuck in adding card after choose blue curve card. Always i see something wrong and i can't make nothing. Not go back not go on. App is horrible. I emailed the support and only tol me to ask the card institution for rejectio. but sorry if i told them that after i click on try with a new card and it doesn't go on afeter entering cvv, just says something went wron. try agsin or use other card. i tried with 3 cards. and i tried to cancel cahe and data and reinstall the app. i think i not use the app for only use a virtual card, phisycal now cost, not free (The other card i have are free physical and virtual, so not worth this card only virtual and with te process so complicated and wrong)
That's a shame. It works fine for me and I added a new card the other week.
@@BeCleverWithYourCash i don't know, open the app agian, it tell me insert cvv of selected card(i don't know what cards, i added 4 cards, i can't go back to choose cards) and then something's gone wrong, again and i'm stucked. I don't have an other card to try and anyway i don''t try a new card because always after insert cvv something's gon wrong and i can't go back or on. :(
Oh man. Help wanted. All I wanted was to get all my payment cards on my phone. I click lots of boxes on my Samsung pay, before I know it, a Samsung pay black curve card arrives this morning. And now I hear I’m paying £9 a MONTH. A MONTH. How can I back out of all this? I feel like I’ve been ‘curved’.
Ok, you need to downgrade to the free Blue Curve card. This is free. You should be able to do this in the app easily enough. I'd also contact Curve and say you didn't realise you were being charge and see if they'll refund the fees so far.
@@BeCleverWithYourCash All resolved. It was the Samsung curve card which is complimentary. Thanks for the help all the same.
So for the samsung pay card powered by card , you have to get a black card and not blue?
I think I’ve just fallen for the same trap, I didn’t see anything asking me what option I wanted as I defo would have chosen the free one.
very useful
Thanks!
Can you go overdrawn if you only have a debit card
Hi Nathan, any payments out of your current account that take you below zero could make you go overdrawn. So that's direct debits, standing orders, any transfers, along with any payments you make with your debit card.
after 6 months I might go down to black card
Was great until I had an embarrassing situation when it didn’t work, had to leave a trolley full of shopping at the till.
So if I add my card to get a blue curve card it’s not going to take any money 💰 🤷🏿♂️
Do you mean add your credit or debit card to blue? No, you won’t get charged. They might do that check you sometimes get where a £1 is taken and then returned
not available in Australia
Yep, This is a UK review
Too long and most important part is missing -Curve is available for UK and EEA residents
Their customer service is piss poor. You're lucky if they answer to you in 72 hours. Also you cannot rely on their card even in your home country as it's very often denied.
I've not had those problems but you're not the first to say they've had some issues.
@@BeCleverWithYourCash Happy to hear that Curve works for you. Maybe it's because youre from the UK if I'm not mistaken? I have personally experienced that they are not nice with customers outside the UK. Same with me and two of my friends. They randomly freeze your account, held refunds very long and their customer service is really slow.
2021 review and no screen recording to show you the app! More like a 2010 review
I'll certainly add a screen record if I update the video
it's demented having several cards on one - you lose it and your entire life is **kd until you get it replaced.
It's actually the opposite! If you lost the Curve card you can quickly cancel that card so it can't be used - and if they did spend on it they'd only be able to take money from the card you last set to connect.
But you'd still have all your underlying cards at home, so you could use them as standard while you wait for the new Curve card to come.