Curve, the virtual credit / debit card that has already launched on iOS has finally launched out of private Beta on Android.
After signing up to a free Curve card, you can assign your other cards to it and switch between them at will, paying via conventional means or contactless. It works incredibly well and is a great way of keeping track of transactions etc. Purchase notifications are pushed to your phone instantly, email receipts can be switched on and receipt image capture, currently on iOS, will be coming to the Android app in the future. No Android Pay support as yet, I hope this comes at some point!
The card itself (the entry level 'Blue' version) was previously paid for, but it is now free for a limited time. A 'Black' version is also available which will offer a higher cashback rate in the future as is a black version with an included card wallet.
As well as the cards you load on the app, a built in reward card is included. This is empty on a normal signup, but if you sign up with the code 'VIOMM' (NOT my code mods, can provide evidence if required) then you will be credited with £5 the first time you use the card. For each friend you refer, you will get £5 also. Pretty great really.
There are some useful value add features I've enjoyed in the time I've had it on iOS, such as the ability to withdraw cash against credit cards with no fee (as the CC just sees it as a regular transaction) and the excellent foreign exchange rates. I used it abroad and got better rates than my Fair FX card!
[Note: This is targetting self employed and entrepreneurs right now. So determine how entrepreneurial you are!]
Top comments
paulobrien to ToldGoat
15 Dec 1613#12
You paid for your wallet. And it didn't have a fiver in it.
rand0m
15 Dec 168#16
why would someone use this (except to get "free" cash) when there's Android Pay?
ToldGoat
15 Dec 167#10
my wallet does the same thing but I cannot remember the last time the battery ran out on my wallet
bob_regis
16 Dec 163#66
I can confirm that there is no credit check as I misspelled my name (stupid predictive text) and they still approved me.
Have no idea how to change it!
Barbara Regis
Latest comments (144)
irishsea
13 Jan 17#144
well I was accepted but missed where I put in the code for not paying attention lol
8eaker
13 Jan 17#143
Paul (OP) as a very well respected tech blogger (in the Android world) and suspect its a code from Curve direct. Besides, you could use anyone's referral code and you both get £5. If you choose not to use it, neither party gets the £5.
Seems Paul may have a bit of a relationship with Curve as they list his blog on their blog. http://blog.imaginecurve.com/meet-modaco-2/
Paradroid
13 Jan 17#142
That is true but in the interests of transparency it should be declared as to who it benefits as it looks to be a personal referal code (which I though were at best frowned upon on this site)
rasdonny
13 Jan 17#141
emm u dont have to use it though...u can still sign-up without that code or without any code for that matter and you wont get the £5.00 reward if u dont need it or want £5.00 :smiley:
Paradroid
13 Jan 17#140
Call me suspicious but who's code its this and where did it come from? I'm guessing someone is benefiting if we sign up using it.
irishsea
12 Jan 17#139
where do you input your code? is my 5 shifts of 11 hours making me blind?
Paradroid
12 Jan 17#138
Add Monzo as a card on Curve..best of both worlds!
could be because it seen as a prepaid Mastercard, have you tried a prepaid Mastercard and does that work either with Tesco or National Lottery?
paulobrien
8 Jan 17#135
Suspect the problem with Tesco is that they pre-auth £100 or so?
dinosteveus
8 Jan 17#134
Doesn't work at Tesco self service fuel pumps and is not accepted by The National Lottery as a funding card.
deaglemaniac
6 Jan 17#133
probably won't work, the transaction will be seen by quidco as Curve as the merchant but not the high street merchant
happydeals
5 Jan 17#132
Can we set up Mastercard Secure code for 'Curve Master Card' which provides more security on online transactions.
paulobrien
4 Jan 17#131
Good idea!
paulobrien
4 Jan 17#130
Not heard of that, just get him to contact support?
rasdonny
3 Jan 17#129
can one register other card other than Curve then?
cigbunt
3 Jan 17#128
heres an idea not sure if its been said...
if you register your curve with quidco for in store cash back in theory no matter what card you use you should get the cashback?
rasdonny
3 Jan 17#127
a friend who decided to get Curve cant seem to be able to set a app passcode or get past setting up an app passcode within the app, he says he has successfully verified his added card and his phone number but says after entering a 4 digit passcode nothing happens, it just stays there.
He also recved his Curve card in 3 days over the Holiday.
Can anyone who has a Curve card & Curve app working on their device help him with this?
dinosteveus
30 Dec 16#126
Thought so, thanks.
paulobrien
30 Dec 161#125
Yes, it is technically a prepaid card!
dinosteveus
30 Dec 16#124
Anybody know if this counts as a prepaid card?
My insurance company want to charge me 3% to use my credit card but there's no charge for a prepaid Mastercard?
paulobrien
30 Dec 16#123
I'm going to contact Curve next week and ask for an update on Amex. Will post here with their response!
paulobrien
26 Dec 16#122
I'm pretty comfortable with it. The pin is hidden behind a fingerprint lock and another pin, it's more secure than the pin itself!
happydeals
24 Dec 16#121
But still a big risk though.
paulobrien
24 Dec 16#120
That pin display is locked behind your device protection and a secondary pin though.
paulobrien
24 Dec 16#119
1) No
2) Yes
cb-uk
24 Dec 161#118
Ahah. Found the answer on their support:
So, you would probably be far safer using your usual credit card instead of curve for transactions over £100 - as Section 75 protection is far greater than a standard charge-back (s75 makes the credit card company jointly liable with the trader or retailer, so s75 claims are almost always successful. In contrast, charge-backs are discretionary.)
HTH :wink:
cb-uk
24 Dec 16#117
Another thought.
If you are linking credit cards etc to curve, this would presumably invalidate any protection you have with the credit card company under Section 75 of the Consumer Credit Act 1974 for transactions over £100?
happydeals
24 Dec 16#116
I applied and got the card within 3 days,all activated. Very good service so far.
I have a concern that it displays the pin number on the mobile app. I think this is a serious security risk if the phone is stolen or hacked. More over certain banks like HSBC got online fraud prevention by monitoring the usage of the card and cancel the suspected transactions. This may not work for Curve card as HSBC may only see all the transactions as from Curve. I am not sure ho much fraud protection system Curve has.
kam123
24 Dec 16#115
1/ Is it possible to add a secondary card i.e. that is registered to me wife has secondary card
2/ Is it possible to add a card that is registered to different address
mrwhitelabel
23 Dec 16#114
Top up by phone app I so quick I like it to know that if card gets stolen there is a limit that could possibly used
happydeals
22 Dec 16#113
Thanks
paulobrien
22 Dec 16#112
As far as I know all regular (non prepaid) Visa and Mastercard can.
I think HSBC debit and visa credit cards cannot be added to Curve, am I right?
Udimion
22 Dec 16#110
Only if you withdraw more than £200 per month...but I don't use it at ATMs so no it's never really bothered me.
mrwhitelabel
22 Dec 16#109
Have they,? When was that didn't get notified (clearly,) if they did
Edit it's over £500 a month, that's why I guess, I just used card chip and pin instore as much as possible to not hit that limit
paulobrien
22 Dec 16#108
I have revolut too, but I don't really get on with cards that have to be topped up. Hassle.
rasdonny
22 Dec 16#107
I think list of banks whose credit or debit cards when used you get rewards for.
saintscouple
22 Dec 161#106
Revolut ruined it for me when they added a 2% fee for ATM withdrawals.
Udimion
22 Dec 16#105
Revolut is great for non-GBP payments.
paulobrien
22 Dec 16#104
List for what?
happydeals
21 Dec 16#103
HSBC card is not in the list :neutral_face:
elTuco
21 Dec 161#102
On the back of the flyer they sent with the card, it says it's a "Pre-paid card".
rasdonny
21 Dec 16#101
interesting :smiley:
paulobrien
21 Dec 16#100
So far as I can tell it's a 'prepaid card', I think not allowing other pre-paid card might be a fraud / money laundering thing, not sure tho.
rasdonny
21 Dec 16#99
so is Curve essentially seen by other cards or merchants as a "credit card" or a "pre-payment card" and what is the logic for not doesnt it allowing you to add pre-payment cards?
paulobrien
21 Dec 16#98
CPT 500 = £5. Tap it and it'll change the display to pounds. You can now make a contactless or chip and pin transaction of up to that amount by ensuring the 'reward' card is selected before you pay.
ramtheconqueror
21 Dec 16#97
Received the card, activated and used chip and pin first and then contactless. I don't see £5 credit, only cpt500. Am I missing something? Thanks for the help
paulobrien
20 Dec 16#96
When you make your first transaction.
tom_gov
20 Dec 16#95
when do you get the free fiver
rasdonny
19 Dec 16#94
ok, if you say so :smiley:
paulobrien
19 Dec 161#93
That 'offsite location' is the actual payment processor, not Curve. That's the whole point. :smiley:
bob_regis
19 Dec 16#92
That's how I read it too.
I have tweeted them asking them to reply to all the concerns raised here.
rasdonny
19 Dec 162#91
I'm afraid thats not what the documentation ie the link you posted about tokenisation indicates, it clearly states that and i quote -
"Meanwhile, their customers’ real card data is stored at a highly secure, offsite location"
translation for the layman = yes it may not be within the app ie on the phones/devices but it is stored by Curve someplace (offsite-location). :stuck_out_tongue:
alien_jiggy
19 Dec 16#90
I just signed up but where do you put the code to get £5
paulobrien
19 Dec 16#89
No, tokenisation means the CVV isn't stored at all, nor is the card number - you'll notice it's not visible in the app.
rasdonny
19 Dec 16#88
From what i understand from that documentation - tokenisation makes data like CVV safer to store on infrastructures that are actually responsible for the day-to-day transactions ie the actual buying/paying transactions with the difference credit/debit cards stored within Curve, but do not altogether take away the vulnerability of collecting & storing such data...as the CVV still has to be stored 'offsite-location' somewhere and so hacker will not target the payments-side infrastructures of Curve that uses tokenisation, they will target where the data is store offsite-location instead....so the vulnerability still exists unfortunately.
A bit reassuring i wld say :smiley:
but...from what i understand from that documentation - tokenisation makes data like CVV safer to store on infrastructures that are actually responsible for the day-to-day transactions ie the actual buying/paying transactions with the difference credit/debit cards stored within Curve, but do not altogether take away the vulnerability of collecting & storing such data...as the CVV still has to be stored 'offsite-location' somewhere and so hacker will not target the payments-side infrastructures of Curve that uses tokenisation, they will target where the data is store offsite-location instead....so the vulnerability still exists unfortunately.
paulobrien
19 Dec 16#87
I must admit, although I was aware of tokenisation, I didn't realise how beneficial it was. I kinda want everywhere I store my details to use it now!
bob_regis
19 Dec 161#86
Thanks Paul, I will take a look.
(I don't use apple/android pay).
You best not use Android or Apple Pay either then, they use the same industry standard tokenisation system.
bob_regis
19 Dec 162#83
I am not sure that I am reassured. So they save the data as a "token".
What is a token? Does this token stay within my phone, or with Curve?
How is the token unecrypted, is at the point of sale?
Who else can unencrypt the token?
If it is compromised, who is responsible for any losses?
Also I take issue with the word tokenise!
The fact that I need to go through support to get the answers has meant that I am out, they are fired!
paulobrien
19 Dec 16#82
A very reassuring reply from Curve re: the CVV:
"As prescribed by the PCI-DSS regulation, we do not keep the cards CVV in our database. For us, keeping our users' details (cards and personal) safe is hugely important so we only store the minimum we need. CVV is used only on card registration at which point we tokenise the card details. It is that token we use to make transactions on the card and which makes it possible for us not to store that sensitive information."
paulobrien
18 Dec 16#81
I'll give them a call tomorrow to find out!
rasdonny
18 Dec 16#80
very good point - that's likely how they getting around not falling foul of the regs and if that's the case (as in a Financial product & not e-commerce retailer), then users of Curve may also be stretching to say the least, their end of their contractual responsibility re use of their cards with their banks/credit card providers.
rasdonny
18 Dec 16#79
a friend who i was discussing this card with also said that if you are one of those who don't have 'Google play services' on your device wont be able to use Curve on that device.
msaquib
17 Dec 16#78
Logged into mine and it showing my application has been declined/cancelled. Not sure why.
Anyone else had this problem? I have sent them an email.
Thanks
Uwish
17 Dec 16#77
Got my card today verified my bank card and phone number.
But could not activate the Curve card as it was still showing pending.
The faq said to log out and then back in but this just sends an email link which then starts the sign up process again in the app no option to enter a pin.
Not impressed so far with google pay I just took a picture of my card and was up and running in mins.
Now locked out of the app with a Curve card I cannot use.
cb-uk
17 Dec 162#76
Unless anyone has actually received explicit direct confirmation from Curve, it looks like they DO hold the CVV (presumably, they are circumventing the regulations as they are a financial product provider rather than an e-commerce retailer)
If so, it is only a matter of time before they are targeted. I think I'll give this one a miss, but thanks to the OP for making us aware of this deal.
paulobrien
17 Dec 161#75
I was basing on the above comment. Best ask Curve support tbh!
bob_regis
17 Dec 16#74
Can you provide a reference to where it says that it is used only to validate at "initial card add"?
Barbara
paulobrien
17 Dec 16#73
Remember not all purchases use CVV. Amazon is a big one for example!
It is used by Curve at initial card add to validate it only.
rasdonny
17 Dec 16#72
if so - how can Curve then use any of the cards linked within it to pay for anything you buy with the Curve card, without storing the CVVs of all cards added/linked to it?
0zero
16 Dec 16#71
The answer is no, nobody who can charge your card can store CVV.
bob_regis
16 Dec 161#70
Nope mine still hasn't come out.
Barbara
Turret
16 Dec 16#69
Anyone received the verification charge to their bank account yet?
paulobrien
16 Dec 16#68
Use their support service which is excellent.
justanotherpunter
16 Dec 161#67
Christ alive, it's never been easier to become a woman :laughing: I'd run a mile from this.......
It's interesting that monzo's homepage shows a Costa coffee spend of £8.10.....check out the detail 42 visits with an average of £3.89, total £163.38.... I hope that's not somebodies monthly coffee spend... :confused:
bob_regis
16 Dec 163#66
I can confirm that there is no credit check as I misspelled my name (stupid predictive text) and they still approved me.
Have no idea how to change it!
Barbara Regis
rasdonny
16 Dec 16#65
Thanks for your speedy response....appreciated :smiley:
with regard to (1) Yes
ie - Curve (app) will in essence know all the 3 digit codes (at the back) of all cards.
To me and even though i understand its makes for convenience and the point of the Curve itself but that's a massive security risk. Not doubting the developers intentions etc but what if their platform is hacked, then every customer of Curve has a lot to lose me think :stuck_out_tongue:
justanotherpunter
16 Dec 161#64
Hmmm sounds dangerous with all those Russian hackers around or maybe that's just BBC/CIA propaganda :laughing:
paulobrien
16 Dec 161#63
1. Yes
2. No
3. None so far as I can tell, just validation of email / phone number and inputting the address for them to mail the card to of course
4. No
rasdonny
16 Dec 16#62
couple of Qs pls -
(1) So Curve (app) will in essence know all the 3 digit codes (at the back) of all cards?
(2) Do they run a credit check on you?
(3) If no credit check then whats the approval process ie do you have to send copies of Passport, D/Lic, proof of address or biometric etc?
(4) Do you have to send documentary proof of being self-employed or an Entrepreneur?
Thanks :smiley:
paulobrien
16 Dec 16#61
You can turn the card on and off in the app. The pin is across all cards. Each foreign currency purchase is just one transaction, as you'd expect.
Hope that's helpful!
paulobrien
16 Dec 16#60
You can turn the card on and off in the app. The pin is across all cards. Each foreign currency purchase is just one transaction, as you'd expect.
Hope that's helpful!
ssjinzo
16 Dec 16#59
Hi Paul thanks for your help a few questions these may sound stupid but if the card is lost what happens? Also do you have one pin number or separate pin for each card? What happens about the pin (s) also regarding using card abroad do you get 2 charges 1% and then my original card rate as well or will I just get billed in gbp and then 1 % on my curve if that's makes sense. Thanks in advance.
paulobrien
16 Dec 16#58
When you choose the blue or black card there's a link there iirc.
miffyl
16 Dec 16#57
Where did you enter the code for the £5 credit?
paulobrien
16 Dec 16#56
It'll show as CPT500 until you activate and make your first transaction, then it'll arrive on the card itself.
Thar
16 Dec 16#55
That's what I have. This card will use the Mastercard wholesale exchange rate I presume, as does Supercard, so Supercard appears better for POS transactions
AngryEnglishman
16 Dec 16#54
Should the free £5 be showing under the Curve rewards card? It says CPT/£0.00 for me, although it says CPT500 on the timeline section.
ataritheone
16 Dec 16#53
Why?
machomansavage
15 Dec 16#52
sisqoboy2
15 Dec 161#51
I use revolut too and that is brilliant… I exchang rate is almost interbank… cash withdrawal is free below £500 /m even abroad…
mrwhitelabel
15 Dec 163#50
I use revolut for cheap spending abroad, anyone know how rates compare ?
MisterHDUK
15 Dec 16#49
Thanks. I'd never heard of curve. Will give it a go. looking FWD to AMEX joining. ta
paulobrien
15 Dec 16#48
The initial £5 can be spent via chip and pin or contactless as soon as you've made your first transaction.
wardi69
15 Dec 16#47
The cashback rewards from retailers says coming soon. The £5 for signing up using that code is actually 500 reward points, worth £5.
jfduncan
15 Dec 16#46
Like Paul, I've been using the beta on Android for a while, its pretty stable and actually makes using curve make sense. If you only use Curve for expenses, makes tracking your expenses really easy!
jfduncan
15 Dec 16#45
Curve don't do cashback specifically, you can sign up for the rewards program, but that is not active. Any cashback you receive on your usual cards will still come through though...
vladdy
15 Dec 161#44
Anyone actually got any cashback from this? They say they have about 50 retail partners but cannot find a list. Anyone knows what shops give you cashback using curve?
Applied. Now it states waiting approval. Do anyone know what checks do they do?
paulobrien
15 Dec 16#39
Classic!
paulobrien
15 Dec 16#38
ToldGoat
15 Dec 16#37
err no, I'm a Yorkshire man so avoid paying for owt. Got the wallet as a promo freebie though granted batteries weren't included
StillTheFlyest
15 Dec 16#33
Is this card any good for use abroad? Is there a cheaper one?
paulobrien to StillTheFlyest
15 Dec 16#35
Previously used FairFx, this was cheaper. Bonus, let me use my existing CCs abroad.
paulobrien to StillTheFlyest
15 Dec 16#36
Beat FairFx hands down for me. And let me withdraw from my existing cards, including cash from credit.
Kazan
15 Dec 161#34
get Halifax Clarity CC.
paulobrien
15 Dec 16#32
I asked them about it and they were fairly non committal about dates, obviously. Game changer for me too!
paulobrien
15 Dec 16#5
I've been using Curve a while, literally the only thing that I don't like is the fact you can't add what are effectively pre-paid cards (including my PayPal debit card) and the fact it is a pre-paid card itself (which stops it working in French petrol pumps!). Oh, and that they aren't supporting Amex at the moment, although I have it on good authority discussions are underway to make this happen!
stuielxl to paulobrien
15 Dec 16#31
How long we talking for AMEX? That's a game changer!
paulobrien
15 Dec 16#30
I reckon that's pretty damn good!
madel79
15 Dec 16#29
Can u link ur Amex to this?
rand0m
15 Dec 168#16
why would someone use this (except to get "free" cash) when there's Android Pay?
kudos1uk to rand0m
15 Dec 16#20
Will it work on a routed phone?
I cant use
I can't use android pay as my phone is rooted and cant do the workaround as its stock sammy.
Anyone know if it will work on a rooted phone?
I cant use
paulobrien to rand0m
15 Dec 16#22
My Barclays cards don't support Pay. Pay doesn't let me withdraw cash free from credit cards. Pay doesn't give me cheap foreign exchange.
Turret to rand0m
15 Dec 16#28
This card can be used in Android Pay.
From what I understand from skimming over the front page, Curve connects to all your other cards which is handy if you've cards that aren't accepted everywhere. They also offer 'low' exchange fees.
Personally, I'm signing up because they also offer cashback (and because free £5!!).
Turret
15 Dec 16#27
Anyone tried these ref codes to see if you get £10 instead of £5?
MrHot
15 Dec 16#26
Anyone not have a C-xxxxxxx number on their statement?
I asked them about this recently - I'm also an Amex user - and I have a feeling it'll be back. Customer experience is important to Amex and if Curve can deliver, I think there's a future.
Houstieboy
15 Dec 16#18
Interesting. Giving this a trial.
hatton420
15 Dec 16#17
Curve is currently available for business use only, so if you’re self-employed, freelance, a company director or business owner.
Stevie Badman
15 Dec 16#15
what is the point of this?
colourpie
15 Dec 163#14
Well played
ToldGoat
15 Dec 167#10
my wallet does the same thing but I cannot remember the last time the battery ran out on my wallet
paulobrien to ToldGoat
15 Dec 161#11
Lol
paulobrien to ToldGoat
15 Dec 1613#12
You paid for your wallet. And it didn't have a fiver in it.
halfbakedjake
15 Dec 16#6
one of the reviews say its business use only not for personal ?
paulobrien to halfbakedjake
15 Dec 161#9
Not sure how that's the case, I use it for both and it's fine. In fact, one of the benefits. Great for tallying expenses!
pete1993
15 Dec 16#7
I'm struggling to see value in Curve anymore. Previously when it integrated with American Express & allowed you to withdraw cash without very low caps, it was useful.
The only use for it now that I can see is to put all of my cards into one place, but I keep seeing major outages. I've started carrying around another card so I don't get caught out with a down curve card, which to me defeats the purpose of having it.
Tempted to ditch Curve now.
paulobrien to pete1993
15 Dec 161#8
Amex was a shame, but I think it'll return. Since they changed their payment processing to online it seems reliable for me at least. What are the cash limits now? Use abroad is still a big win for me, as well as convenience.
Silhouette
15 Dec 16#1
Yeah I failed on the employment status bit. Didn't realise the Beta was again reserves for self employed etc.
Can never understand that. Surely the employed will be using the card as much as anyone else...
paulobrien to Silhouette
15 Dec 16#4
Yeah, don't really know why that is. Especially as it's fairly vague (e.g. Entrepreneur).
AN_786
15 Dec 16#2
Monzo all the way!
paulobrien to AN_786
15 Dec 16#3
Monzo is cool, but also completely different. I like Curve because it integrates with all the banking services I use already, but makes them better. I don't really want to switch banks, top up Monzo, etc. etc.
![Fresh Breakfast Meat Box (Using code) @ Campbells Meat [Haggis / Lorne Sausage / Bacon / Black Pudding & More]](/images/topics/208684_1.jpg)
![[Xbox One] Q. u. b. e: Director's Cut on Deals with Gold](/images/topics/208716_1.jpg)
Opening post
After signing up to a free Curve card, you can assign your other cards to it and switch between them at will, paying via conventional means or contactless. It works incredibly well and is a great way of keeping track of transactions etc. Purchase notifications are pushed to your phone instantly, email receipts can be switched on and receipt image capture, currently on iOS, will be coming to the Android app in the future. No Android Pay support as yet, I hope this comes at some point!
The card itself (the entry level 'Blue' version) was previously paid for, but it is now free for a limited time. A 'Black' version is also available which will offer a higher cashback rate in the future as is a black version with an included card wallet.
As well as the cards you load on the app, a built in reward card is included. This is empty on a normal signup, but if you sign up with the code 'VIOMM' (NOT my code mods, can provide evidence if required) then you will be credited with £5 the first time you use the card. For each friend you refer, you will get £5 also. Pretty great really.
There are some useful value add features I've enjoyed in the time I've had it on iOS, such as the ability to withdraw cash against credit cards with no fee (as the CC just sees it as a regular transaction) and the excellent foreign exchange rates. I used it abroad and got better rates than my Fair FX card!
[Note: This is targetting self employed and entrepreneurs right now. So determine how entrepreneurial you are!]
Top comments
Have no idea how to change it!
Barbara Regis
Latest comments (144)
Seems Paul may have a bit of a relationship with Curve as they list his blog on their blog. http://blog.imaginecurve.com/meet-modaco-2/
http://www.hotukdeals.com/deals/curve-card-now-supports-cashback-your-cards-2599126
if you register your curve with quidco for in store cash back in theory no matter what card you use you should get the cashback?
He also recved his Curve card in 3 days over the Holiday.
Can anyone who has a Curve card & Curve app working on their device help him with this?
My insurance company want to charge me 3% to use my credit card but there's no charge for a prepaid Mastercard?
2) Yes
So, you would probably be far safer using your usual credit card instead of curve for transactions over £100 - as Section 75 protection is far greater than a standard charge-back (s75 makes the credit card company jointly liable with the trader or retailer, so s75 claims are almost always successful. In contrast, charge-backs are discretionary.)
HTH :wink:
If you are linking credit cards etc to curve, this would presumably invalidate any protection you have with the credit card company under Section 75 of the Consumer Credit Act 1974 for transactions over £100?
I have a concern that it displays the pin number on the mobile app. I think this is a serious security risk if the phone is stolen or hacked. More over certain banks like HSBC got online fraud prevention by monitoring the usage of the card and cancel the suspected transactions. This may not work for Curve card as HSBC may only see all the transactions as from Curve. I am not sure ho much fraud protection system Curve has.
2/ Is it possible to add a card that is registered to different address
"Curve is compatible with all other innovative finance providers including…"
https://www.imaginecurve.com/specs/
I think HSBC debit and visa credit cards cannot be added to Curve, am I right?
Edit it's over £500 a month, that's why I guess, I just used card chip and pin instore as much as possible to not hit that limit
I have tweeted them asking them to reply to all the concerns raised here.
"Meanwhile, their customers’ real card data is stored at a highly secure, offsite location"
translation for the layman = yes it may not be within the app ie on the phones/devices but it is stored by Curve someplace (offsite-location). :stuck_out_tongue:
A bit reassuring i wld say :smiley:
but...from what i understand from that documentation - tokenisation makes data like CVV safer to store on infrastructures that are actually responsible for the day-to-day transactions ie the actual buying/paying transactions with the difference credit/debit cards stored within Curve, but do not altogether take away the vulnerability of collecting & storing such data...as the CVV still has to be stored 'offsite-location' somewhere and so hacker will not target the payments-side infrastructures of Curve that uses tokenisation, they will target where the data is store offsite-location instead....so the vulnerability still exists unfortunately.
(I don't use apple/android pay).
What is a token? Does this token stay within my phone, or with Curve?
How is the token unecrypted, is at the point of sale?
Who else can unencrypt the token?
If it is compromised, who is responsible for any losses?
Also I take issue with the word tokenise!
The fact that I need to go through support to get the answers has meant that I am out, they are fired!
"As prescribed by the PCI-DSS regulation, we do not keep the cards CVV in our database. For us, keeping our users' details (cards and personal) safe is hugely important so we only store the minimum we need. CVV is used only on card registration at which point we tokenise the card details. It is that token we use to make transactions on the card and which makes it possible for us not to store that sensitive information."
Anyone else had this problem? I have sent them an email.
Thanks
But could not activate the Curve card as it was still showing pending.
The faq said to log out and then back in but this just sends an email link which then starts the sign up process again in the app no option to enter a pin.
Not impressed so far with google pay I just took a picture of my card and was up and running in mins.
Now locked out of the app with a Curve card I cannot use.
If so, it is only a matter of time before they are targeted. I think I'll give this one a miss, but thanks to the OP for making us aware of this deal.
Barbara
It is used by Curve at initial card add to validate it only.
Barbara
It's interesting that monzo's homepage shows a Costa coffee spend of £8.10.....check out the detail 42 visits with an average of £3.89, total £163.38.... I hope that's not somebodies monthly coffee spend... :confused:
Have no idea how to change it!
Barbara Regis
with regard to (1) Yes
ie - Curve (app) will in essence know all the 3 digit codes (at the back) of all cards.
To me and even though i understand its makes for convenience and the point of the Curve itself but that's a massive security risk. Not doubting the developers intentions etc but what if their platform is hacked, then every customer of Curve has a lot to lose me think :stuck_out_tongue:
2. No
3. None so far as I can tell, just validation of email / phone number and inputting the address for them to mail the card to of course
4. No
(1) So Curve (app) will in essence know all the 3 digit codes (at the back) of all cards?
(2) Do they run a credit check on you?
(3) If no credit check then whats the approval process ie do you have to send copies of Passport, D/Lic, proof of address or biometric etc?
(4) Do you have to send documentary proof of being self-employed or an Entrepreneur?
Thanks :smiley:
Hope that's helpful!
Hope that's helpful!
I cant use
I can't use android pay as my phone is rooted and cant do the workaround as its stock sammy.
Anyone know if it will work on a rooted phone?
I cant use
From what I understand from skimming over the front page, Curve connects to all your other cards which is handy if you've cards that aren't accepted everywhere. They also offer 'low' exchange fees.
Personally, I'm signing up because they also offer cashback (and because free £5!!).
The only use for it now that I can see is to put all of my cards into one place, but I keep seeing major outages. I've started carrying around another card so I don't get caught out with a down curve card, which to me defeats the purpose of having it.
Tempted to ditch Curve now.
Can never understand that. Surely the employed will be using the card as much as anyone else...