Curve - what’s it all about then

cullenswood · 01-12-2020 9:40pm

Nigel Fairservice wrote: »

You don't get charged FX fees through Curve. I have my debit/credits card linked to my Curve and I really like not having to top up my Curve card as you would with a Revolut card.

But do you get the spot rate that Revolut offers? Or what exchange rate is used?

Nigel Fairservice · 01-12-2020 10:06pm

cullenswood wrote: »

But do you get the spot rate that Revolut offers? Or what exchange rate is used?

I bought something yesterday through Curve for £380. Using Revolut would have saved me approx €1.20. Not significant enough of a saving for me to make me start topping up the Revolut card all the time.

cullenswood · 01-12-2020 10:18pm

Nigel Fairservice wrote: »

I bought something yesterday through Curve for £380. Using Revolut would have saved me approx €1.20. Not significant enough of a saving for me to make me start top up the Revolut card all the time.

Thanks. Just trying to figure out Curve.

So, they will do the FX and then charge my credit card or bank account the euro amount?

Nigel Fairservice · 01-12-2020 10:47pm

cullenswood wrote: »

Thanks. Just trying to figure out Curve.

So, they will do the FX and then charge my credit card or bank account the euro amount?

Ya, they do all that. They'll send you a notification when the transaction goes through with the euro amount.

cullenswood · 01-12-2020 11:02pm

Nigel Fairservice wrote: »

Ya, they do all that. They'll send you a notification when the transaction goes through with the euro amount.

Excellent, thanks for that. Much handier than Revolut so.

Nigel Fairservice · 02-12-2020 1:13am

cullenswood wrote: »

Excellent, thanks for that. Much handier than Revolut so.

I think so, I definitely don't miss the constant topping up of the Revolut card. Revolut have a marginally better exchange rate but nothing I'd lose sleep over.

Wheety · 02-12-2020 6:52pm

I've been using this for about a week now. I like it. Had a bit of trouble initially adding it to Amazon but working now. Saves me a step when buying from Amazon for the house as I used to use my Revolut, then take the money back from the joint account.

Now I have the joint credit card set up through Curve and that gets charged directly.

For comparison:
£15.42 was €17.14 through Curve
It would have been €17.02 through Revolut
And €17.53 if Amazon carried out the exchange.

But I also received £0.16 from Curve for the Amazon transaction :-)

Gooey Looey · 02-12-2020 7:10pm

The go back in time is a great feature. I put all our weekly shopping/diesel and my day to day spending through a Crypto.com card for 3% cashback. This card is added to curve as well as my PTSB card. When my crypto card is not topped up I can just use my PTSB card through Curve and have 90 days to go back in time and change the transaction to the Crypto card.

I don't even have the physical Curve card, I gave it to my wife so she uses it. I just use Curve in Google Pay with my phone

Wheety · 08-01-2021 10:35pm

Found another benefit of Curve. Was buying something on Smyths and it said something about my KBC credit card not set up for 2 factor authentication. I've been having some problems buying online with that card. I don't think the text sends anymore. Will have to get onto bank and get it sorted.

Anyway, it worked no problem though Curve :rolleyes:

long_b · 17-01-2021 8:37pm

Anyone else having trouble signing up to Curve? Submitted ID and that but then said they "couldn't offer you Curve at the moment"

Jeff2 · 21-01-2021 7:38pm

My app disappeared and having trouble installing it now.

Spocker · 21-01-2021 8:20pm

Jeff2 wrote: »

My app disappeared and having trouble installing it now.

Is your device rooted?

Gooey Looey · 21-01-2021 8:33pm

Spocker wrote: »

Is your device rooted?

Or a OnePlus?

Spocker · 21-01-2021 9:06pm

Gooey Looey wrote: »

Or a OnePlus?

App works fine on my OnePlus Nord

Gooey Looey · 21-01-2021 9:08pm

Spocker wrote: »

App works fine on my OnePlus Nord

i read on Reddit of some who has issues with OnePlus where Oxygen OS was wrongly classified as a custom Rom blocking some apps

Jeff2 · 22-01-2021 4:56pm

Spocker wrote: »

Is your device rooted?

No it's not rooted.

The app worked fine but disappeared the other day and won't install now.

Strange.

Dermotsull13 · 22-01-2021 5:52pm

Hi
I'm hoping somebody might be able to steer me in the right direction here.
Newly started with Curve and wanted to test it out this afternoon in Lidl. I had the card I wanted selected (PTSB) and the Curve App was open on screen however the payment was taken from Google Pay account and used a different card (Revolut) that was set as primary in that account. The Google Pay app was was closed and not even open in the background.
Is there a setting that I need to change in Google Pay to stop it superseding Curve?
Thanks

Nigel Fairservice · 22-01-2021 6:01pm

Dermotsull13 wrote: »

Hi
I'm hoping somebody might be able to steer me in the right direction here.
Newly started with Curve and wanted to test it out this afternoon in Lidl. I had the card I wanted selected (PTSB) and the Curve App was open on screen however the payment was taken from Google Pay account and used a different card (Revolut) that was set as primary in that account. The Google Pay app was was closed and not even open in the background.
Is there a setting that I need to change in Google Pay to stop it superseding Curve?
Thanks

Add your Curve card to Google Pay and select it as your as your default. If you don't want to do that then just tap the physical Curve card.

Gooey Looey · 22-01-2021 6:03pm

Dermotsull13 wrote: »

Hi
I'm hoping somebody might be able to steer me in the right direction here.
Newly started with Curve and wanted to test it out this afternoon in Lidl. I had the card I wanted selected (PTSB) and the Curve App was open on screen however the payment was taken from Google Pay account and used a different card (Revolut) that was set as primary in that account. The Google Pay app was was closed and not even open in the background.
Is there a setting that I need to change in Google Pay to stop it superseding Curve?
Thanks

Curve doesn't work from the app like that, you need to add it to Google pay it use the physical card

Dermotsull13 · 22-01-2021 6:12pm

Perfect thanks a million for the replies. I thought it worked similar to Google Pay in that you could tap the phone but that's perfect.

While I'm here I might just ask another Q. I signed up last week without a hitch. Used a referral off here to do so. My wife tried to sign up last night but kept getting an error that curve couldnt be offered to her at the moment. She hadn't used a referral so I wonder did that make a difference?

Nigel Fairservice · 22-01-2021 6:19pm

Dermotsull13 wrote: »

Perfect thanks a million for the replies. I thought it worked similar to Google Pay in that you could tap the phone but that's perfect.

While I'm here I might just ask another Q. I signed up last week without a hitch. Used a referral off here to do so. My wife tried to sign up last night but kept getting an error that curve couldnt be offered to her at the moment. She hadn't used a referral so I wonder did that make a difference?

No, you don't need to be referred to be able to use Curve.

Dermotsull13 · 22-01-2021 6:21pm

Ok. Thanks. She sent an email to customer support yesterday so we'll see what they come back with.

garrettod · 24-01-2021 4:06am

Hi,

What retailer are most people linking to, to get the 1% cash back please?

I've been using Revolut and Google Pay for quite a while, and it's working well. Just wondering if I would benefit from using Curve - the main difference seems to be that I don't preload it, unlike Revolut. Anything else jump out?

Thanks

Aquos76 · 24-01-2021 2:25pm

garrettod wrote: »

Hi,

What retailer are most people linking to, to get the 1% cash back please?

I've been using Revolut and Google Pay for quite a while, and it's working well. Just wondering if I would benefit from using Curve - the main difference seems to be that I don't preload it, unlike Revolut. Anything else jump out?

Thanks

Well obviously if you link your Revolut Card to your Curve card, then you will still need to load funds on to your revolut account. I have a number of different cards linked to my Curve account and I just select the card I want to use accordingly and I if make a payment on the wrong card, the roll back is a great option. The three retailers I used for my cashback were Aldi, Tesco and Amazon. As Ive now reverted back to the free option, I no longer get the cash back option.

Nigel Fairservice · 24-01-2021 3:11pm

garrettod wrote: »

Hi,

What retailer are most people linking to, to get the 1% cash back please?

I've been using Revolut and Google Pay for quite a while, and it's working well. Just wondering if I would benefit from using Curve - the main difference seems to be that I don't preload it, unlike Revolut. Anything else jump out?

Thanks

The not having to top up my Revolut card all the time was a big draw for me. The Go Back on Time feature is very handy as well in case you accidentally put something on the wrong card.

smellyoldboot · 24-01-2021 4:38pm

Any use for "concealing" deposits to betting sites? Am going the mortgage route this year, would only deposit €20/30 a week for fun but would rather not (can't at the minute anyway) visit smelly bookie shops to do so.

Nigel Fairservice · 24-01-2021 5:42pm

smellyoldboot wrote: »

Any use for "concealing" deposits to betting sites? Am going the mortgage route this year, would only deposit €20/30 a week for fun but would rather not (can't at the minute anyway) visit smelly bookie shops to do so.

Wouldn't think so. The transactions still appear in your normal bank statements. If I used my Curve card (linked to my KBC card) to buy something from Amazon it would show up on my KBC statement as something like CRV*Amazon.co.uk.

Jeff2 · 24-01-2021 11:55pm

Spocker wrote: »

Is your device rooted?

You were probably close to what the problem was.

Phone was bloated with photos and files and no space. Cleared space and fine.

Only posting in case it helps someone else.

long_b · 06-02-2021 1:59pm

long_b wrote: »

Anyone else having trouble signing up to Curve? Submitted ID and that but then said they "couldn't offer you Curve at the moment"

Still waiting. They were in touch to request a passport instead of a drivers licence but that was 4 days ago.
Dreadful new sign up experience so far

underwaterdog · 09-02-2021 11:55am

Have set this up over the weekend, but have I done something wrong if the balance is in £ and not €?

Davy · 09-02-2021 6:38pm

underwaterdog wrote: »

Have set this up over the weekend, but have I done something wrong if the balance is in £ and not €?

Firstly, you don't need to have a balance in Curve.
You add whatever cards you want to use from Curve, and set the currency of those cards. That's the important bit.

Curve will convert the $£ etc into the currency of the card you have set as your curve card.

Spocker · 09-02-2021 8:22pm

Davy wrote: »

Firstly, you don't need to have a balance in Curve.
You add whatever cards you want to use from Curve, and set the currency of those cards. That's the important bit.

Curve will convert the $£ etc into the currency of the card you have set as your curve card.

Curve Cash (for referrals and cash back) are in £, and if you use that card are converted to € at POS

underwaterdog · 10-02-2021 11:08am

Anyone got Curve working on Samsung Galaxy Watch?

TheDriver · 30-03-2021 11:37am

Spocker wrote: »

Curve Cash (for referrals and cash back) are in £, and if you use that card are converted to € at POS

I'm still lost. Let's say I have a revolut wallet of TRY (Turkish Lira) and euro and stg. If I buy something on curve in TRY, does it take it from my revolut TRY balance or does curve convert it to euro and take it from my rev euro balance?
Also, can you stack money due to exchanging at a favourable rate on curve or is it all on the fly conversions?

The J Stands for Jay · 30-03-2021 11:49am

TheDriver wrote: »

I'm still lost. Let's say I have a revolut wallet of TRY (Turkish Lira) and euro and stg. If I buy something on curve in TRY, does it take it from my revolut TRY balance or does curve convert it to euro and take it from my rev euro balance?
Also, can you stack money due to exchanging at a favourable rate on curve or is it all on the fly conversions?

Curve will convert the transaction into whatever currency you have set for the card that is being used. You could always go into the curve app and change your Revolut card to TRY.

The Curve card means you don't need to rely on Revolut to get a decent exchange rate, but it doesn't allow you to prepurchase currency at a favourable rate.

moleyv · 30-03-2021 12:30pm

I cancelled my curve card since BoI now have Apple Pay, as I don’t see the benefits

Nigel Fairservice · 30-03-2021 12:37pm

moleyv wrote: »

I cancelled my curve card since BoI now have Apple Pay, as I don’t see the benefits

No non euro transaction charges, better conversion rates than your bank, no topping up of Curve like you have to do with Revolut.

TheDriver · 30-03-2021 8:59pm

Just tried to sign up and it wouldnt accept my ID verification. But trying to contact support seems difficult.

Marlow · 31-03-2021 12:20am

TheDriver wrote: »

Just tried to sign up and it wouldnt accept my ID verification. But trying to contact support seems difficult.

Patience .. they'll get back to you. Or do you mean, you can't even find the option .. yes .. that's fairly f**** hidden.

Here's the guide:
- Open the app
- click "account" (bottom left)
- click "Settings" (top left)
- click "Help"
- click the 3 lines in the screen top left
- click the chat icon in the bottom left ... raise a ticket

It was always difficult .. but they've just hidden it even more.

/M

TheDriver · 31-03-2021 12:57am

Marlow wrote: »

Patience .. they'll get back to you. Or do you mean, you can't even find the option .. yes .. that's fairly f**** hidden.

Here's the guide:
- Open the app
- click "account" (bottom left)
- click "Settings" (top left)
- click "Help"
- click the 3 lines in the screen top left
- click the chat icon in the bottom left ... raise a ticket

It was always difficult .. but they've just hidden it even more.

/M

Thanks. I found a generic support contact on their webpage as I can't get to any options on the app with their error message.

TheDriver · 05-04-2021 5:46pm

This crowd are not impressing me at all. So I uploaded a selfie and a pic of my passport ID. Nothing unusual, everything is Irish etc. Then message that I can't get curve (as opposed to stating why and options on resolving the issue).
I emailed them on 30th. Got a reply on 1st saying the relevant team is looking into it.
Have heard nothing since. Doesn't inspire confidence.....

Arbie · 05-04-2021 6:26pm

I've used it a few times a week over the past 6 months. Sometimes randomly blocks a transaction with no explanation. Contacting support is a long and tedious process, answer is always vague and several days late. Last week was told I have to verify with ID again, which I did immediately. No response since and card is blocked for all transactions.

TheDriver · 07-04-2021 4:52pm

And finally it gets sorted!
A simple question but one I can't seem to find the answer to: Will it always try the preferred card first? Lets say Card1 is EUR and Card 2 is STG. Card 1 is preferred. If I do a STG transaction, will it try card 1 first?
Secondly, lets say card 1 is revolut and I have my bank of stg and USD. Can I change the currency of the card before each transaction to suit the currency and use my revolut currency wallets? ie does it check my card currency at each transaction?

Lastly, does the cashback thing really work in eg tesco?

Spocker · 07-04-2021 8:59pm

TheDriver wrote: »

Will it always try the preferred card first? Lets say Card1 is EUR and Card 2 is STG. Card 1 is preferred. If I do a STG transaction, will it try card 1 first?

Yes, it'll do the primary card first (see Anti Embarrassment Mode)

TheDriver wrote: »

Secondly, lets say card 1 is revolut and I have my bank of stg and USD. Can I change the currency of the card before each transaction to suit the currency and use my revolut currency wallets? ie does it check my card currency at each transaction?

I wouldn't think the card currency is checked each time, but you can adjust the currency the underlying card is charged in, each time

TheDriver wrote: »

Lastly, does the cashback thing really work in eg tesco?

Yep, it sure does, and you get the funds back as "Curve Cash"

Ten Pin · 13-04-2021 6:46pm

Has anyone used Curve with EBS debit card recently...ie since EBS introduced the Card Manager App for SCA?

_Godot_ · 14-04-2021 4:17am

I haven't tried it yet, but I have it set as the payment card for next week's online grocery order with tesco. I can't top up my revolut card as I usually would and I now can't use my ebs card online. I usually get a tesco delivery every Wednesday but I remembered about my curve card too late to try it for tomorrow's delivery. Last week I was able to top up my revolut card once with ebs to pay for tesco and I'm hoping I can tomorrow morning (lucky for me, if I can't, they always call if they can't take payment (as it's taken the day of delivery) so maybe I can try my curve card over the phone).

_Godot_ · 14-04-2021 8:10am

I just managed to top up my revolut with my curve card linked to my ebs card. And now I can pay for my grocery delivery.

Ten Pin · 14-04-2021 8:21am

I just managed to top up my revolut with my curve card linked to my ebs card. And now I can pay for my grocery delivery.

IIUC, you don't have the EBS card app?

_Godot_ · 14-04-2021 8:33am

Ten Pin wrote: »

IIUC, you don't have the EBS card app?

No, I don't. It worked fine.

Quackster · 14-04-2021 10:44am

Ten Pin wrote: »

Has anyone used Curve with EBS debit card recently...ie since EBS introduced the Card Manager App for SCA?

Haven't in a while but I use Curve with N26 all the time and it doesn't trigger N26's SCA so I would be hopeful it wouldn't any other provider's SCA either (unless it's been newly added to Curve).

Curve - what’s it all about then

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