CURVE Card | Full Review | The Ultimate Travel & Rewards Card or Gimmick!?
ฝัง
- เผยแพร่เมื่อ 4 ส.ค. 2024
- Get £5 Curve Cash when signing up through this link*: www.curve.app/join#NVJROGLN
Using this £5 PROMO CODE: NVJROGLN
*NOTE: to receive £5 you now must make a transaction using Curve within 7 days of signup.
Check out my thoughts after ONE YEAR of using Curve in my 2020 update, explaining and reviewing new features:
• CURVE Card UPDATE 2020...
I explain and review the good and bad of the Curve Blue card - one MasterCard that simplifies your banking by holding all your debit and credit cards in one, has no international transaction fees, and gives you cash back.
I first show you how to setup and use the Curve card and app, before going into detail about its features, what to be aware of and who should and shouldn't get this card.
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VIDEO TIMESTAMPS:
00:00 - Intro
00:52 - Introduction to my scepticism
01:57 - What is Curve?
02:17 - How to setup Curve and add debit and credit cards to the app
03:02 - How to use Curve to make purchases
03:29 - Instant Spending Notifications
03:46 - Locking and Unlocking your Curve Card
04:12 - Transaction categories, notes, receipts, business expenses and email receipts
04:37 - 'Go Back in Time' feature
06:07 - Transactions Timeline and Insights
06:32 - My concerns with rewards cards on Curve
07:30 - Curve Cashback
08:30 - How to spend your Curve Reward Points
08:58 - My thoughts on Curve Cashback
09:36 - Travelling with Curve and exchange rate
10:25 - Curve spending and cash withdrawal Limits and fees abroad
10:59 - Curve for backpackers and long term travelling
12:00 - Credit Card limits on Curve and advice
12:57 - No Section 75 Protection with Curve
13:33 - Curve Customer Protection
14:13 - American Express can't be used with Curve
15:17 - Overall Summary of Curve
15:47 - Who Curve isn't best for
16:50 - Personal thoughts and conclusion on Curve
17:28 - REFERRAL CODE (and how to use it to get £5 Curve credit)
18:29 - My new Discounts and Deals page on my website
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📱 My Instagram: / jamieroundtheworld
💻 My Website: jamieroundtheworld.com
🌏📸♻️ Check out all the things I use to travel, create and be more sustainable:
jamieroundtheworld.com/recomm...
🏠 ✅ AirBnB DISCOUNT
www.airbnb.co.uk/c/jamieb1184
💸✅ Or check out all the other Discounts and Deals I currently have available:
jamieroundtheworld.com/deals
I had already signed up before I saw this video. Out of all the videos I have seen about Curve this one has to be the most honest and concise. Nice one. 👍🏻
Steve thanks a lot man, really great to hear positive feedback ☺️👍
For a small channel your editing and thought in these videos is very impressive well done
Thanks a lot, really appreciate it ☺️👍
@@jamieroundtheworld how to sign up in curve
Really useful review. Thanks for putting the time to make this video. 👍🙏
I already have Curve, and I agree with everything in your review. I now have a new favourite TH-cam channel, thanks. I'm busy catching up on your other videos. And, don't worry about how long your video lasts. You kept me interested and I was longing for more.
Graham Dixon thanks so much! I really appreciate such positive feedback! 😊
Thank you. Love the quality of these videos!
Michael thank you so much!
Very good insight and explanation - I have just signed up using your referral code. Thanks
D B thanks a lot! Hope you like it!
Great video, very detailed, well structured and good editing
Thanks a lot! 😊
Great review and very explanatory - i used your code and you definitely deserve a tip :-)
phab71 thanks a lot! glad it helped and thanks for using my code 😁
Great review! Which pin must you use when it is over the threshold for tapping? The Curve pin or the other card pin?
thank you for your honest review.👍👍👍
Great review Jamie Thank You.
Sj Cap thanks!
Used your referral. Nicely made video. Thanks!
Floating Elephant thanks! Glad it helped!
Amazing review. If I wasn't already a Curve user I would had definitely used your referral code!
I have the Curve Black card, and I absolutely love it as well!
Morgan Sinclair thanks a lot! Appreciate the feedback! Is the Curve black worth the fees then?
@@jamieroundtheworld Definitely! I travel a lot, and it comes with a lot higher limits. It only cost €50 as a one time purchase, no subscription. I even got a wallet included in that!
@@Nico-zw9ud Ahh so you got it before they changed the pricing - its now £10/month and comes with travel and gadget insurance. Would you still say its worth it for that continuous fee?
@@jamieroundtheworld Yeah, I got it like 5 months ago, under the old scheme. I'd say €10 a month is still decent value if you travel a lot. Have you considered getting the Black card, or maybe even the Metal one? Or is Blue fine for your needs?
@@Nico-zw9ud I would consider it, but because I have pre-existing medical conditions most travel insurance that comes with bank cards don't cover me which makes them pretty useless unfortunately. I would have to look into the terms and conditions!
I've just upgraded to a Curve Metal card, as I'm switching from Nationwide Bank (with Travel and Phone insurance) to Starling Bank. I now get 1% cashback at all the Supermarkets we frequent, M&S, Amazon and Costa (our favouite café), as well as Travel and Phone insurance.
Thank you for the review (:
S Khan no problem! thanks for the comment!
awesome Thabnks for the Info
Hey everyone, I actually cut out about 5 minutes of footage from this review as it was getting too long and the points probably didn't apply to most people, so if you do have any questions please let me know.
In the meantime, here's that *£5 promo* link if you do want to try out Curve:
www.curve.app/join#NVJROGLN
Remember to use this code once signed up!
*NVJROGLN*
Hi Jamie Brown I got a problem where I can't allow Curve permission to use Contacts. It just won't ask for it and I can't turn it on in Settings. Curve needs access to Contacts to use the Send feature. Any suggestions? I've contacted the Curve Support Team but there taking long to reply. 🤨
Hello, where do I check the exchange rate on Curve? Cos I travel a lot and I would like to know where to check.
So if you spend with another card in your curve wallet, does the curve limits still apply, or only the card limits? Is there a £700 limit in total or per card? Love ur vids btw. Keep up the good work.
Great review!
Thanks!
Great video, discovered your channel through your prepaid cards comparison video.
I am travelling to NZ in a few weeks and have been looking for a card that offers me fee-free spending. I think I will get both Starling and Curve and use Starling as the backup if I need to spend more than Curve limits. I love the idea of having a combined wallet on one card, as I am tired of lugging around too many cards for multiple different uses. The 'go back in time feature' looks really useful and would be great if I need to move a transaction from one card to another. I like how Curve allows you to make fee-free transactions even with your traditional bank accounts!
Once again great video, helped me out alot, thankyou!
Thanks for the comment, always great to hear my videos help! I'm actually going to Aus and NZ at the end of the year and will be using the exact same combo! Curve to hold all my cards and Starling if I need to spend more. I hope you have a great time! :)
@@jamieroundtheworld Thankyou, likewise.
Great review
Sam Gormley at Osaka Labs thanks a lot! ☺️
Thank you, Jamie. Very informative video.
Will Wilson glad it helped!
@@jamieroundtheworld Thanks for the code too - extra sweetener. Going traveling in Thailand soon - not looking promising at the mo. -so trialing a few cards to see what I like. I love my starling card but I thought curve would be useful at converting my debit card into a travel card if i require extra funds in a pinch (or a backup card) . Waiting for a Monzo card too. Might as well turn this into a decent test - it may turn into a hobby at this rate! Loved your other videos too. Some youtubers really have a gift for this! Take care and stay safe.
Thank you for the kind words. I hope you can go on your trip!
We were backpacking South East Asia and had to return because of the virus - however I done exactly as you suggest whilst away: used Starling as our main spending card day-to-day, and Curve as a backup as it had all my other bank cards I'd mostly left safely at home.
@@jamieroundtheworld sounds like a good combo (starling & Curve). I hope you manage to get back to SE Asia to finish your intended trip, sooner rather than later. Life is too short. I'll look out for your next video. Take care
Great video, I love my curve card. "back in time" is brilliant. Shame my 90 day cashback offer is gone now, but (as I suspect Curve well know) it won't stop me using it as I am just accustomed to having 1 card now.
YeCannyDaeThat thanks! Yes they entice you in with cashback 😂 I hope they can introduce something more permanent as I say in the video
Its legit?
Hi, thanks great video! So say that I wanted to use one of my credit cards to make an online purchase, because I wanted to take advantage of section 75 (for buying an airline ticket let's say). If my card is linked to curve, but I paid for that purchase like I never had curve in the first place, would it just show up on the credit card statement or would it also then show up in the curve app?
So if your card charges for interest on cash withdrawls (eg credit card) then use go back in time you would still be charged the interest on that withdraw?
Question, I have an aqua credit card but it does not support contactless, if I added the aqua card to the curve wallet is it possible to make contactless payments with it?
Johnny Jimenez yes this is another great benefit of Curve! I have used contactless on it with my Aqua ☺️👍
Hi, I have been using Curve for a few years now. Its a great card. there only issue I have had is the refund system. not all the refunds processed on the card will reach you account. I would say it is as high as one in three, so you just need to keep an eye on this. they are also aware that there is an issue with there refund system. other than that its pretty good
when using the curve card, do you still get creditcard bonuses? like at certain retailers
Hello Jamie! For travel, does the £200 cash withdraw counts towards the £500 a month spending limit? Also! Is the Barclay Platinum plus credit card discontinued for new customers?
Hello mate. No, my understanding is that the £200 cash withdrawal limit abroad is separate to the £500 a month spending limit abroad, so £700 in total before you start paying any conversion/withdrawal fees.
And well spotted, just looked into this and unfortunately it does seem to be the case that the Barclay Platinum Plus Credit Card is no longer available which is a shame as it was one of the best travel credit card available.
Thanks for the comment
This video is very helpful in understanding curve a bit better. I have only one question, would it be useful for me, since I kind of hate bringing my cards with me at all times and travel abroad frequently (obviously on a budget)?
Yes, Curve is definitely built for someone like you! Obviously I would say always bring one other card with you as backup - I personally carry my Curve Card, and Starling card as backup :)
Nice video!!! So all the cashback from the 3 retailers chosen will be valid just for 90 days and then this won't apply anymore, right?
Yes on the free 'Blue' Curve card that is correct
But if you have amex would you be able to use it in non Amex places
Really interest to apply a curve card and use my credit card (another currency) on top of it. However, I still don't understand how it save the costs. Will it refund the Dynamic currency conversion rate or the
Cross border fee?
I have a question though, what country code does this card have? I have cards for different countries, for example Spotify, they have different music selection for each country. And some online places you are not allowed to buy stuff if the card does not match your delivery address, or does it relay trough?
I believe the Curve card with be setup for the country you hold residency in. However when you add cards to your Curve wallet, you select the underlying base currency of that card. So if you have a card that is a euro based card for instance, curve will pass euro transactions straight through to it with no conversion. Does that answer your question at all?
Bombay Mix good choice 👍🏻
Soo wait if my card goes into overdraft curve will charge me?
Do you still use the curve card to this day as I’m interested in signing up with your code ?
Hey sorry I never saw your reply! Yes I’m currently backpacking Asia and use Curve alongside Starling card!
Does this card have anything to do with the curve cryptocurrency?
I plan to use this with a disposable virtual debit card service, is this viable in terms of real world effectiveness?
This sounds more complicated than it’s worth! Starling bank for spending abroad and taking cash out. Plus a good no fee credit card seems much easier. Another good informative video though!!!
Ryan Oates yeah if your not crazy like me with all my different cards it is probably easier to keep it simple!
What Credit card do you recommend, please
Hi can someone help me l don’t know how to verify the card l don’t know the code
any European cards available for USA citizens I've seen they offer better rates
Question, if I don’t live in the uk and my cards are not uk cards will curve work?? And will it work outside of Europe??
It depends where you are a resident of - Curve is available to residents in 30 countries within the European Economic Area. A full list can be found here: support.imaginecurve.com/hc/en-gb/articles/213342769-Who-can-get-Curve-
You can add most MasterCard and VISA credit and debit cards to Curve - when you add them to your Curve Wallet you just select what currency the underlying card is so it charges it correctly.
Yes Curve will work anywhere in the world that MasterCard is accepted! :)
I do use Curve for some weeks now and pretty happy with it. Mostly because of the Go Back In Time feature. I first spend everything on the creditcard and then use Go Back In Time to pay it from the right "budget" account in bunq. Loving those 2 cards together.
JosPlays nice setup! Go Back In Time is great!
*Thanks everyone for the continued interest in this review!* I've just uploaded a one year update discussing my long-term thoughts on Curve as well as explaining and reviewing new features and fees. If you want to watch that too then please follow the link below:
th-cam.com/video/-AOW1CyEkHQ/w-d-xo.html
OR if you are ready to try out Curve now then here is that *£5 promo* link to signup with*:
www.curve.app/join#NVJROGLN
Thanks a lot :)
*NOTE: to receive £5 you now must make a transaction using Curve within 7 days of signup.
What’s the black card at the bottom right at 0:07?
Great informative video. Just curious, is it worth getting if I already have a starling card?
Thanks! Depends how many cards you have other than starling - I have quite a lot so it was useful for me so I don't have to carry them all around!
Does curve do fees for debit cards?
This card is coming to the US!!
If you cannot change you rewards once you've picked them how do you go on when new shops or offer come on line, that where not there when you enrolled Thanks
Yorkshire Tyke because it is just an introductory offer for the first 90 days you are just stuck with the ones you chose at the start - I guess this is because if they allowed you to change you could keep on changing the retailer depending on who you are shopping with.
I believe they’ve just upgraded the cashback on the premium cards to permanent so maybe on those you can swap and change the retailer!
I just recently signed up to curve and it does not show a rewards card for me I only see a curve cash card is this the same thing?
Yes that's the same thing! They recently changed the name of it :)
@jamie Brown , so if I wanted to use it abroad, for example I go Paris. Should I change my currency to Euro’s in the app, or keep it as pounds ?
You should keep the currency in the app for each card the same currency as the underlying card - so if you have a UK debit/credit card, maintain the currency as pounds. Curve will then automatically do the conversion from euros and charge your underlying card in pounds.
Jamie Brown thanks that’s helpful
Hey Jamie, I used your code and opened an account, thanks a lot! But.. shouldn't my new card be in € (according to my location), instead of GBP? All my cards are in EUR, but when inserted are shown as GBP.. And when I change their currency afterwards I get a threatening message about costly conversions!
what about if you get a refund. will it go directly into the chosen payment card at the time or the currently activated card?
Curve works out which payment card you would have originally used, using information like the retailer, amount and/or transactions times and dates. So it refunds the same card you used to make the original transaction, no matter which card you have selected when the refund is made. However if there are any minor problems or it takes a little to long they are very quick to respond and push it through quicker using the in-app chat.
For instance I had Tescos charge me twice for the same transaction the other day as their kiosk had a problem with contactless - and whilst I would have got the refund within a week I just messaged the Curve team in the app and they sped it up and put the money back in my account within a couple of minutes!
Hi when using curve abroad do you ask to pay in local currency or does curve card automatically do the exchange
Thanks Gary
Gary Johnson ask to pay in local currency, so that Curve can automatically do the conversion - otherwise the retailer will do the conversion and charge you in pounds (at a terrible rate!)
Im only getting curve so that i can use Apple Pay since my bank wont support it
does Curve provides my own IBN?
Can you use the curve card inside a bank? Say u set ur card as a Natwest on Curve. Can you then go inside NatWest use the curve card and get access to ur Natwest bank account to say deposit money?
Bart unfortunately no, it can only be used as a payment method. For security reasons your bank will require your actual card for any physical banking in branch
How do you use curve with food delivery apps like Deliveroo? Like how can you earn cash back on them
Its simple!After you sign up you can see the card number after you recieve it!!make sure to use their promocode to get 15 pounds
Jamie, odd question, What are your glasses ?? I need to wear glasses now (for the first time ), and like that style.
Haha, they are nothing special - just some of the slightly more expensive own-brand frames from Specsavers. I really hate wearing big brands and having their logo on my glasses so never buy any of the expensive branded frames.
Does the £5 reward go onto your actual bank card because I had £5 on my card
It goes onto the 'Curve Cash' card in your app - a virtual card you can select and spend from where all your rewards/cashback go.
I've also got an American Express card, it really is frustrating not being able to use it with curve.
Yes! Really hope they manage to sort it out! Although currently it looks like Curve are going to have to go down the legal route...
Sounds like a good way for a company to extract information about your spending habits!!
Like every other bank then!
@@jamieroundtheworld yeah, and clubcard etc!!
does it work on paypal
No
Here's a good one for you, on a Blue Card your restricted to how much cash you may draw over a month, can I use it as my Halifax card and draw say £300.00 twice a week over the month, or would I have to use my original HFX card to withdraw the cash! I have a Ramsdens pre paid card loaded with Euro's could I use the Curve and still get all my money out over a 2 week holliday period, thanks
Yorkshire Tyke hey great questions! I guess your asking about withdrawing in the UK?
When you first get the Curve card there are spending/withdrawal limits to protect your money. This includes £200 cash withdrawal per day.
However this will quickly go up as you use the card and Curve is able to better recognise your spending habits. After a couple of weeks mine went up to £1000 cash withdrawal a day and £20,000 every 30 days. This means that yes I could use the Curve card to withdraw £300 twice a week after this period as you say. You can check your spending limits in the app on the ‘Card’ tab.
On the second question, Curve unfortunately only supports a certain number of prepaid cards, the Ramsdens Prepaid card not being one of them. Here is a list of the supporting cards:
support.imaginecurve.com/hc/en-gb/articles/115003215849-Which-cards-can-I-add-to-Curve-?mobile_site=true
I hope that answers you questions but let me know if you have any more!
@@jamieroundtheworld Thanks I have a Rasdens & a Caxtons pre paid for taking on hols as it saves taking a lot of cash, just means i'll take the extra card no problem, how long does it usually take to recieve the card ? & can I change to a black or a metal card late on? & what real saving is there on the Lounge Key deal, many thanks for the info.
I think mine took less than a week to arrive but they say about 5 business days for delivery in the UK. Yes you can always upgrade to a different card at a later date. They've just implemented the Lounge Key deal and I'm not entirely sure how it compares to other schemes (i may do a video on this at a later date). As well as the monthly card fee you will pay £15 for every Lounge visit - this does seem to be fairly good at first glance compared to similar schemes by American Expess etc, but as I say I haven't looked into it enough to say for sure. :)
@@jamieroundtheworld Hi I do appreciate the trouble you've gone to in replying if I think of anything more I will drop you a line, once again thanks.
Hey, then can i pay only with phone in store?
Curve can now be used with Apply Pay, Google Pay and Samsung Pay, so yes you can use your phone to pay with Curve
Does the card they send you out cost anything?
Sulphur Wolf nope!
It doens't have the feature to save money for certain goals right?
André Santos correct - it is just a spending card so no actual balance is held with Curve - all you money remains in the underlying accounts connected to it 😊
Get Monzo for that ?
Great review man! I have just signed up but I didn't get a chance to add the promo code.. they say I can still do it if I have an email address and a code? Is it cool to have yours?
Once your setup you should just be able to enter my code in the app to get your £5 reward!
@@jamieroundtheworld oh ok! I'm yet to find it ha
@@jamieroundtheworld or do I have to wait for the card to arrive and activate it first?
It's in India ? Can I use to to run Facebook ads for my business
Looool chill g...Its just a question (which has nothing to do with you).
And the last time I checked you dont have to born english to watch videos that was made in England or by an English dude. 🤣🤣🤣🤣🤣🤣🤣😂😂😂😂😂😂😂😂
Is it possible to purchase a metal card to use in place of my Blue one for a one off fee?
As far as I'm aware I don't think so unfortunately. You have to pay the monthly fee for the metal card, as that is one of the perks
Possible to Subscribe to metal for a month then downgrade?
I would assume they would send you a Blue card if you done this but I'm can't say for sure!
@@jamieroundtheworld Okay..Thanks for help.
You did not say the black card costs £9.99 per month
Yeah sorry I should of clarified in the video that this was just a review of the 'Curve Blue' free card. I may do a review of the premium options n the future if people want it! :)
Hi, is it possible to send the money I make on curve to my main account
Haider Yasin unfortunately not no, it is just spending money to use on purchases.
@@jamieroundtheworld oh okay thank you. One more question, how long does it normally take for the first £5 to come through.
blimey, I need me this card, ive got over 20 debit cards / 3 credit cards, have a fintech sign up addiction ;)
Flame Returns sounds like you would definitely benefit haha!!
Me to. 25 years with one bank account then I got Transferwise which started an obsession. A week later and I've also signed up to N26, Revolut, Monese, Bunq , Curve and I'm looking for more. Im hoping starling go EU wide soon. They look the best of them all.
my lock tab isn't there
Epic Videoz it should be under the ‘Card’ tab on the far left?
Does Curve work with US citizens?
getsugatenshoFTW most likely not its a uk company
Curve or revolut for travelling ?
For longer trips, Revolut as it doesn't have a limit on free overseas transactions and cheaper to get out cash.
Yeah, Amex probably won't be happy with paying out rewards points from merchants not on their networks.
Am I able to buy online with curve rewards card
Dani John yes! It’s now called ‘Curve Cash’ but as long as you have enough to cover the purchase you can use it online 👍
Jamie Brown so when I go to checkout online I enter my details for my curve card. Could u give me and example say I wanted to buy a pen off amazon at checkout how would I complete the order so that money is taken from my curve rewards account
Is this available worldwide?
Unfortunately not 👎
Pro-tip pay yourself on pay-pal using your rewards balance
Did u invest in their crowd funding?
Abhishek Rohatgi I was tempted but decided not to because I felt it would be a conflict of interest for this video, because if I was to invest in the product and have a video recommending it I would technically be benefitting from those recommendations without declaring the bias. If I hadn’t done this review then I likely would have invested!
@@jamieroundtheworld your video is way before they announced for crowd funding, but I understand your point of conflict of interest.
Abhishek Rohatgi that doesn’t stop TH-cam commenters from claiming bias 😂
Doesn’t work in the United States
I didn’t receive curve card I received Samsung pay card
Do I have to use phone wallet to get all this benefit or i can also use curve normal card own it’s own
4625 4625 sorry not sure what you’re asking? You use the Curve card in the shops or online, but it charges your underlying bank card.
I have understood now thanks for your reply
4625 4625 awesome! 😎
Is it completely free?
CharlessXavierr as far as ordering the card and normal use - yes the ‘Blue’ version of the card is free. The only fees are the ones for spending over £500 abroad or £200 in overseas cash withdrawals in a month that I mention in the video
Not in US yet :/
WildCam_ yeah I wonder whether they will expand worldwide and how quickly!
8:53
Hate how u have 2 be 18 to be able to get one 😐 I’m 16 and I can get other cards but not this ...
Yeah it's a shame! :/
Sounded great until I found they don't use American Express.
Sam III yeah it’s really annoying! 😫
Another useful (but unmentioned) feature is that it allows the use of cards on AndroidPay and ApplePay systems, that are not allowed directly. I have three credit cards (Barclaycard, Halifax Visa and Post Office) that are not compatible with Android Pay, but work using Curve.
Long shot but I’ve messaged you on Instagram over some problems I’m having with it, be great if you could help me out thank you
Alex morgan hey man, sorry I’m away this week so I can’t properly look into it but have you tried using the in app Curve chat support?
I’m trying to remember when I activated my card and I don’t remember it being any trouble at all... sorry I can’t be more help right now!
Its legit?
free tidal still using it every day and loving it!
All your credit card information in one system... Imagine what happens WHEN somebody hacks their system. You have to renew all of your credit cards at once. Avoid this!