Curve - what’s it all about then

I'm using it a couple of months and it has made my wallet a lot lighter in that other cards can be left at home

Easy to use app, easy to manage cards and decent analytics.

Mr.S wrote: »

I've wondered about Curve for a while, seems handy.

Assuming the transactions just come up as CURVE on whatever account's transaction history you select to charge, ie the real retailer doesn't appear unless you use the app?

The transactions show up on your actual payment acount as CRV*Retailer*
And on the curve app as the retailer itself.

It's very handy for receipts too. If you have one card that's business/expense specific you can set up email receipts.

I am using curve for over a month and it has been mainly positive. Using it with two credit cards, revolut and one debit card. Back in time is a useful feature. Car insurance was due at the end of the month and I kicked out the transaction for another 50 odd days by switching the transaction to a different card. Using euro transaction to euro card is free, no transaction fees. You can only spend the equivalent of £500 if doing FX transactions but you can also take out the equivalent of £200 per month at an ATM. Useful if using in conjunction with revolut etc. Had one or two transactions declined so I'd never travel with just a curve card.

PaulKK wrote: »

I couldn't see the point of this but in theory you could keep swapping between two credit cards..

You can go back in time only once for one transaction within 14 days.

I am with Curve since May 2017 and it is one of the best financial tool introduced in the last years. It provides even more benefits and flexibility with underlying cards in different currencies from different EU countries, if you have them

AMEX support was great but it did not last long and I would not expect to see AMEX on my Curve ever again in the future.
Mastercard & Visa cards are fully supported and I have never had issues with using them. The only drawback is a lack of up to date pictures of some of the underlying cards.
Diners Club cards are not supported at all. DC doesn't offer private cards in all EU countries and this includes UK market which is why Dc support isn't on a priority list on Curve's roadmap.

Initial Curve card spending limits aren't relatively high but can be increased in the future. Enhanced limit for ATM withdrawal of £1000 or equivalent in different currency is more than enough. Once the limit is reached, Curve card cannot be used.

Go Back in Time is one of the unique and great features of Curve but I suppose it should be used only when really needed. It certainly generates additional costs for Curve. I would say, that an excessive use of Go Back in Time would have been treated as a system abuse.

Worldwide Travel Insurance and Electronic Gadget Insurance offered with Black/Metal subscriptions are OK, nothing exceptional. Travel insurance may be found cheaper elsewhere or get it with some credit cards for free.
Rental car collision damage waiver insurance - not yet available for non UK residents
Medical travel insurance - not yet available for non UK residents

Curve Rewards, Curve Cash etc. It's always great to get some cashback for transactions made with your card.

Generally speaking, Curve is the only one card in my wallet along with my backup card on Google Play.
I think, once Black trial subscription is over I will jump on paid subscription to support Curve even more. It is fully worth it.
The Curve has definetly changed the game on the payment cards market.

Myself and my partner currently use a N26 account for our day to day spending. She uses the debit card and I use Google Pay because they don't do joint accounts and only offer one physical card.

Would this card be good as a backup for me to use as a physical card for my N26 account if a place doesn't accept Google Pay?

This curve work with Google pay?

This is interesting so I downloaded the app. Added my PTSB credit card no issue but wouldn't take my PTSB debit card - said to contact retailer and say I'm trying to add to curve?

Also if I buy from Amazon, say, do I need to load it (similar to Revolut) or:

- work away as normal with my credit or debit
- add Revolut and use that as normal
- either or

Thanks!

Dardania wrote: »

Also to note on the PTSB debit card situation, I have used mine with my Curve account without any problem for over a year.

Anyone keeping an eye on curves upcoming crowdfunding?

Ditto with the PTSB debit card.
Works fine for me.

Topcashback is stackable so far at least.

On the crowdfunding.
I am keeping a weather eye on it.
If it's more than just the "investor" branded card, U may go in on it.

Ideally up the cashback limit to that of a pay account or a roadmap for equity/dividend earning and conversion.

I've already voted for which card design I prefer.

No problem with PTSB,Revolut - 3 cards,Transferwise,Monese and the new Bunq Travel card.

Diana Shy Grits wrote: »

Tried to use my curve card yesterday for a transaction of a few hundred euro and it gave an error that the person working their nor I ever saw before can’t even remember what it was. Had to use another Revolut (which I had to to an instant top up on as I had no where near enough in my balance). Annoyed me a bit as I was planning to use curve to pay for the transaction on my debit card and then switch it to my credit card in a few days when it goes past the cut off for spending for the month and this getting an extra month of free credit.

Did Curve pop up any error message why it failed?
I have made the mistake a few times of leaving my Curve set to my Revolut, and ther enot being enough cash on my Revolut to fund whatever the transaction is.