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Terms of Service

Version: 27.01.19

At Curve our ambition is to be your gateway to everything money giving you more choice and saving you money.

This is an Agreement to use the Services provided to you by Curve and the Issuer.

The terms of the Privacy Policy and Fair Use Policy, are incorporated by way of reference.

The Curve Card (Curve Prepaid Mastercard® or Curve Debit Mastercard®) is issued by Wirecard Card Solutions Limited (company No. 07875693) with its registered office at Third Floor Grainger Chambers, 3-5 Hood Street, Newcastle Upon Tyne, NE1 6JQ. Wirecard Card Solutions Limited is authorised in the UK by the Financial Conduct Authority to issue E-money (Firm Reference Number: 900051) (“the Issuer”).

Curve 1 Limited (company No. 9523903) with its registered office at 15-19 Bloomsbury Way, London WC1A 2TH (“Curve”) promotes and distributes the Curve Card.

1. Eligibility Criteria

  • 1.1. By agreeing to enter into this Agreement you are representing that you:
    • 1.1.1 are a resident of one the eligible countries listed on the Curve App or on the Website;
    • 1.1.2 have full legal capacity to enter into this Agreement;
    • 1.1.3 are 18 (eighteen) years of age or over;
    • 1.1.4 do not have another Account with Curve;
    • 1.1.5 will inform us as soon as possible if any of the above change.
  • 1.2. You represent and warrant to us that in opening an Account with us you are not acting on behalf of, or for the benefit of, anyone else.
  • 1.3. In addition to the conditions above, you will have to meet the criteria set out in this country list here to be eligible for a Curve Black Account or Curve Metal Account.

2. Acceptance and Access to our Services

  • 2.1. You agree to this Agreement by using the Curve App.
  • 2.2. Access to our Services will be through the Curve App and the Curve Card. Your use of the Curve App will at all times remain subject to the terms and conditions and other policies of the relevant app store: whether Google Play Store or the Apple App Store and in case of a conflict between those terms and conditions and this Agreement, this Agreement shall prevail.
  • 2.3. We reserve the right to close, suspend or limit access to your Curve Account or Curve Card in the event that we are unable to verify your identity.

3. Your Curve Account

  • 3.1. Your Curve Card is linked to an Account which stores E-money. No interest is payable on your Account. Please note that E-money is not covered by the Financial Services Compensation Scheme.
  • 3.2. Your Card can be a Business Card or a Personal Card, depending on whether you will be using the Card for business or personal use (as determined by Curve based on the information provided by you when you sign up for the Account or from the Account use). Curve reserves the right, at its sole discretion, to change your Card from a Business Card to a Personal Card, or vice versa (and to provide you with an appropriate replacement Curve Card, if needed) if Curve deems that the use of your Account or Curve Card has changed. If Curve does so, the functionality of your Card will be the same.
  • 3.3. You may not hold more than one Account. Curve may refuse to open or may suspend or terminate any additional Accounts at any time without informing you first.
  • 3.4. If you meet the Eligibility Criteria set out in section 1.1, you can set up a Curve Blue Account. In order to set up a Curve Black or Curve Metal Account, you would also need to be from an eligible country as listed out in section 1.3 to sign up for a Curve Black Account or Curve Metal Account that entitle you to additional services. You can find more information on the Curve Blue Service, Curve Black Service and Curve Metal Service here. The fees which apply to each type of Account are set out in Schedule 1.
  • 3.5. Subject to Eligibility Criteria, you may be able to upgrade your Account by going to the ‘Manage My Subscription’ section of the Curve App. The Curve Black Subscription fees or Curve Metal Subscription fees (as applicable) will apply from the date the upgrade is confirmed.
  • 3.6. Curve reserves the right to restrict users ability to subscribe to the Curve Metal Services or Curve Black Services for users who upgrade or downgrade from the Curve Metal Account, or any other plan, more than once in a given 12 month period.
  • 3.7. Curve may, in its discretion from time to time, require you to pay from one of your Payment Cards into your Account to be held as a Pre-Fund Authorisation. You must select your Payment Card for such payment from the Curve App.
  • 3.8. You can inspect your transaction history at any time by logging in to your Account on the Curve App.

4. Curve Black Account/Subscription

  • 4.1. If you decide to subscribe to Curve Black, Curve will provide you the Curve Black Services and you shall pay the Curve Black Subscription.
  • 4.2. Users with Curve Black card as on 28th January, 2019
    • 4.2.1. In case of a user who has a Curve Black card issued on or before the 28th January, 2019 you will be provided a fee-free subscription period of 3 months of Curve Black Services, and your first Curve Black Subscription payment will be charged on 28th April, 2019 on the card that you have chosen in the Curve app.
    • 4.2.2. If you decide to opt for the Curve Metal Subscription before 11th of February, 2019, you will be charged for the first month of the Curve Metal Subscription on the date of the upgrade. In case you decide to move to the Curve Metal Subscription on the monthly basis you will receive 2 months of Curve Metal Subscription for free after you have paid for the first month before 11th of February, 2019. In case you decide to move to the Curve Metal Subscription on an annual basis, you will receive the standard discounted price for this tier.
      In case you have a Curve Black Account as of the 28th of January 2019 and decide not to apply for any of the subscription plans, you have 60 days from the 28th of January 2019 to cancel your account or Downgrade to Curve Blue without any costs except for those highlighted in this Agreement.
    • 4.2.3. For our users who signed up for Curve Black before 28th of January, 2019, they will have a right to continue using the Curve Black Services. In case you have signed up for a Curve Black card and you decide not to upgrade to the Curve Black Services or the Curve Metal Services on or after the 28th April 2019, you will have the option to continue using the Curve Black Legacy Services and will not be charged Curve Black Subscription by getting in touch with Curve at support@curve.app. For clarification, Curve Black Legacy Services are the services that were provided to all Curve Black users before 28th December 2018. Please note, that you will not be able to use any of the new features if you decide not to use the Curve Black Services. Please note that those that have upgraded to the Curve Metal Account will not be able to move to the Curve Black Legacy Services. If you decide to Downgrade to Curve Blue Services from Curve Black Services, you will not have the option to move to Curve Black Legacy Services.
  • 4.3. Payment of Curve Black Subscription
    • 4.3.1. You will be charged the Curve Black Subscription on a monthly basis on your chosen Funding Source, this will be a rolling on a monthly basis. You can see the Curve Black Subscription fees in Schedule 1.
    • 4.3.2. Your subscription will always be charged in advance. In case you begin your subscription in the middle of a calendar month, you will be charged on the same day every calendar month. You can see the date you will be charged for next the Curve Black Subscription fee from the ‘Manage my Subscription’ section of your Curve App.
    • 4.3.3. You can change the chosen Funding Source for the Curve Black Subscription from your ‘Manage My Subscription’ section in the Curve App.
    • 4.3.4. If your chosen Funding Source becomes invalid or for some other reason, the charge is declined, Curve will get in touch with you to charge you this Curve Black Subscription. You authorise Curve to use any Funding Source that you have added on to your Curve card to charge you the Curve Black Subscription or any fee that may be associated with such charge. If all the available Funding Sources are declined, you must provide Curve with a valid Funding Source within 30 days or your Curve Black Subscription may be cancelled or downgraded at Curve’s discretion.
  • 4.4. Your Curve Black Subscription will commence on the date that you select the Funding Source in your Curve App and we are able to successfully charge the Curve Black Subscription fee. For the avoidance of doubt, in case Curve offers a free trial period, the cooling off period will begin from the moment that you start using the Curve Black Services.
  • 4.5. Cooling off period
    • 4.5.1. You can cancel your Curve Black Account within the cooling-off period, which is the 14 days, after your order has been confirmed by contacting us at support@curve.app. To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired. If you have not used any of the Curve Black Services, we will refund your Curve Black Subscription fee in full. Otherwise, we will issue you a partial refund based on use of the Curve Black Services used during that time. For the avoidance of doubt, the order and delivery of a Curve Black card will be considered a Curve Black Service for these purposes.
    • 4.5.2. You can downgrade to a Curve Blue Account, during your cooling off period by getting in touch with Curve viasupport@curve.app. The downgrade will be deemed to be a cancellation of your Curve Black Account and fees may be payable. At the time of downgrading to a Curve Blue Account, Curve retains the right to charge you 0.65% on any balance on your Amex Wallet(s).
  • 4.6. Upgrade to Curve Metal Account
    • 4.6.1. Subject to Eligibility Criteria, you may be able to upgrade your Account from from the ‘Manage My Subscription’ section in the Curve App. The Curve Black Subscription fees or will apply from the date the upgrade is confirmed.
  • 4.7. Downgrade to Curve Blue Account
    • 4.7.1. You can downgrade to a Curve Blue Account by getting in touch with Curve via support@curve.app. The downgrade will be deemed to be a cancellation of your Curve Black Account and fees may be payable. At the time of downgrading to a Curve Blue Account (even during the cooling off period), Curve retains the right to charge you 0.65% on any balance on your Amex Wallet(s). At the time of downgrade your Amex Wallet balance will not be refunded, unless requested by you.
    • 4.7.2. You authorise Curve to use any Funding Source that you have added on to your Curve card to charge you the Curve Black Subscription or any fee that may be associated with the use of the Curve Black Services and fees for the downgrade.
  • 4.8. Cancellation of Curve Black Account
    • 4.8.1. Unless you inform us with appropriate notice before the next payment for Curve Black Subscription, Curve will automatically charge for the Curve Black Subscription the next month using your chosen Funding Source.
    • 4.8.2. The Curve Black Subscription fees are non refundable except as set forth in this Agreement.
    • 4.8.3. You authorise Curve to use any Funding Source that you have added on to your Curve card to charge you the Curve Black Subscription or any fee that may be associated with providing you the Curve Black Services.
    • 4.8.4. Upon termination of this Agreement, Curve Black Subscription fees paid to Curve for the Curve Black Service shall be apportioned up until the time of termination of the contract and any Curve Black Subscription fees paid in advance shall be reimbursed to you proportionally.
    • 4.8.5. At the time of cancellation, any balance on your Amex wallet(s) will be refunded to your respective Amex Payment card.
  • 4.9. Curve will provide you with AXA insurance that will be issued to you on the date that your Curve Black Service starts. The insurance provided will terminate at 23:59 GMT on the day your Curve Black Subscription terminates. Curve will not be responsible for any claims or losses.

5. Curve Metal Account

  • 5.1. If you decide to subscribe to Curve Metal, Curve will provide you the Curve Metal Services and you shall pay the Curve Metal Subscription.
  • 5.2. Your Curve Metal Subscription will commence on the date that you select the Funding Source in your Curve App and we are able to successfully charge the Curve Metal Subscription fee. For the avoidance of doubt, in case Curve offers a free trial period, the cooling off period will begin from the moment that you start using the Curve Metal Services.
  • 5.3. Payment of Curve Metal Subscription
    • 5.3.1. You will be charged the Curve Metal Subscription on a monthly basis or annually on your chosen Funding Source. This will be on a rolling monthly or annual basis. You can see the Curve Metal Subscription fees in Schedule 1.
    • 5.3.2. Your subscription will always be charged in advance. In case you begin your subscription in the middle of a calendar month, you will be charged on the same day every calendar month. You can see the date you will be charged for next the Curve Metal Subscription fee from the ‘Manage my Subscription’ section of your Curve App.
    • 5.3.3. You can change the chosen Funding Source for the Curve Metal Subscription from your ‘Manage My Subscription’ section in the Curve App.
    • 5.3.4. If your chosen Funding Source becomes invalid or for some other reason, the charge is declined, Curve will get in touch with you to charge you this Curve Metal Subscription. You authorise Curve to use any Funding Source that you have added on to your Curve card to charge you the Curve Metal Subscription or any fee that may be associated with such charge. If all the available Funding Sources are declined, you must provide Curve with a valid Funding Source within 30 days or your Curve Metal Subscription may be cancelled or downgraded at Curve’s discretion.
  • 5.4. Cooling off Period
    • 5.4.1. You can cancel your Curve Metal Account within the cooling-off period, which is the 14 days, after your order has been confirmed by contacting us at support@curve.app. To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired. If you have not used any of the Curve Metal Services, we will refund your Curve Metal Subscription fee in full. Otherwise, we will issue you a partial refund based on use of the Curve Metal Services used during that time. For the avoidance of doubt, the order and delivery of a Curve Metal card will be considered a Curve Metal Service for these purposes and you will be charged the Curve Metal Card Fee which is £50.
    • 5.4.2. You can downgrade to a Curve Blue Account or Curve Black Account, during your cooling off period by getting in touch with Curve via support@curve.app. The downgrade will be deemed to be a cancellation of your Curve Metal Account and fees may be payable as outlined in Section 5.5 below.
  • 5.5. Downgrade
    • 5.5.1. Downgrade Curve Black Account
      • 5.5.1.1. You can downgrade to a Curve Black Account by getting in touch with Curve via support@curve.app. The downgrade will be deemed to be a cancellation of your Curve Metal Account. If you downgrade your Curve Metal Account in the first six months (even during the cooling off period), you will be asked to pay the Curve Metal Card Fee of £50 as part of the Metal Services provided. At the time of downgrading to a Curve Black Account , Curve retains the right to charge you 0.65% on any balance on your Amex Wallet(s) beyond £1,000. In case of a shortfall in reclaiming the fees outlined above, Curve will initially use the chosen Funding Source and in case it is unable to do so, use any other Funding Source you have added to your Curve Account. At the time of downgrade, your Amex Wallet balance will not be refunded, unless requested by you.
    • 5.5.2. Downgrade Curve Blue Account
      • 5.5.2.1. You can downgrade to a Curve Blue Account by getting in touch with Curve via support@curve.app.. The downgrade will be deemed to be a cancellation of your Curve Metal Account. If you downgrade your Curve Metal Account in the first six months (even during the cooling off period), you will be asked to pay the Curve Metal Card Fee of £50 as part of the Metal Services provided.At the time of downgrading to a Curve Blue Account (even during the cooling off period), Curve retains the right to charge you 0.65% on any balance on your Amex Wallet(s). You may also be charged foreign exchange fees on any transactions that you have made using your Curve card at the rate of 2% of the value of the transaction. In case of a shortfall in reclaiming the fees outlined above, Curve will initially user the chosen Funding Source and in case it is unable to do so, use any other Funding Source you have added to your Curve Account. At the time of downgrade your Amex Wallet balance will not be refunded, unless requested by you.
    • 5.5.3. You authorise Curve to use any Funding Source that you have added on to your Curve Account to charge you the Curve Metal Subscription or any fee that may be associated with such charge.
  • 5.6. Cancellation of Curve Metal Account
    • 5.6.1. In case you have a monthly Curve Metal Subscription, unless you inform us with appropriate notice before the next payment for the Curve Metal Subscription, Curve will automatically charge for the Curve Metal Subscription the next month using your chosen Funding Source.
    • 5.6.2. In case you have annual subscription, you can cancel your Curve Metal Subscription at any time, by providing us with one calendar month’s notice by contacting us at support@curve.app.
    • 5.6.3.The Curve Metal Subscription fees are non refundable except as set forth in this Agreement.
    • 5.6.4. If you cancel the Curve Metal Services anytime outside of your Cooling-Off Period and signed-up to a:
      • 5.6.4.1. monthly payment plan then your cancellation will serve as notice to pay the Curve Metal Card Fee if you cancel within the first six (6) months. If you cancel or downgrade outside of the first 6 months, you will not be charged the Curve Metal Card Fee for such cancellation or downgrade. For example, if you set up your Curve Metal account in January and would like to cancel in April, you will need to pay the Curve Metal Card Fee when you cancel the Curve Metal Account.
      • 5.6.4.2. yearly payment plan, you will still be charged the annual fee in relation to the Curve Metal Services, in both cases, you will not be entitled to a refund of the cost of your Curve Metal Subscription charged for the provision of the Curve Metal Services during this time, including the Curve Metal Card Fee.
    • 5.6.5. You authorise Curve to use any Funding Source that you have added on to your Curve card to charge you the Curve Metal Subscription or any fee that may be associated with such charge.
    • 5.6.6. Upon termination of this Agreement, Curve Metal Subscription fees paid to us for the Curve Metal Service shall be apportioned up until the time of termination of the contract and any Curve Metal Subscription fees paid in advance shall be reimbursed to you proportionally.
    • 5.6.7. At the time of cancellation, any balance on your Amex wallet(s) will be refunded to your respective Amex Payment card. In addition to the above, Curve retains the right to charge you 0.65% on any balance on your Amex Wallet(s). You may also be charged foreign exchange fees on any transactions that you have made using your Curve card at the rate of 2% of the value of the transaction, subject to fair use.
  • 5.7. Loungekey Access: This is a complimentary service provided as part of the Curve Metal Services. On occasions you will b; no payment will be taken from your Curve Account without your agreement and authority. This facility is subject to Fair Use. Curve is not responsible if you are denied entry into a particular lounge because of using the Curve Metal card.e required to pay for certain services available at the lounges. You will be notified of all costs beforehand
  • 5.8. Curve Metal Service starts. The insurance provided will terminate at 23:59 (GMT) on the day your Curve Metal Subscription terminates.Curve will not be responsible for any claims or losses. The insurance provided will terminate the day your Curve Metal Subscription terminates. Curve will not be responsible for any claims or losses.

6. Keeping Your Account and Curve Card Safe

  • 6.1. It is your responsibility to keep all of your Account information, your Card and your device used to access Curve Account safe. You must:
    • 6.1.1. sign your Curve Card as soon as you receive it;
    • 6.1.2.keep your Personal Security Credentials (such as PIN) and Curve Card safe and not let anyone else know them or use them.
  • 6.2. If you know or suspect that any of the following events have occurred: (i) your Curve Card is lost or stolen; (ii) someone else knows your PIN or other Personal Security Credentials; (iii) your Curve Card, Curve Card number or PIN or
  • 6.3. other Personalised Security Credentials may be misused; (iv) there has been an unauthorised or incorrectly executed transaction on your Account, you must:
    • 6.3.1. immediately block your Curve Card in the Curve App to prevent it being used;
    • 6.3.2. notify us by calling us without undue delay on +44(0) 20 33 222 585 (we have a 24 hour service, standard network charges apply)
    • 6.3.3. stop using the Curve Card, card number or PIN immediately, until you hear back from us.
  • 6.4. If you find the Curve Card after you have blocked it via the Curve App, but before you notified it to us as lost or stolen, you can unblock it via Curve App.
  • 6.5. It is your responsibility to inform us about any errors, unauthorised transactions and/or misappropriated or unauthorised use of your Curve Card, Account, PIN or other Personalised Security Credentials and take all reasonable steps requested to assist us in our investigation.
  • 6.6. If you dispute any transaction made from your Account, we will promptly look into the matter. If we have reasonable grounds to suspect fraudulent behaviour or can show that the disputed transaction was correctly made then, Curve may be required during its investigation into the matter to place a temporary hold on the funds in your Account to cover the full amount of the claim or Chargeback until the dispute is resolved.

7. AISP Access

  • 7.1. You can instruct an Account Information Service Provider (“AISP”) to access information on your Account. Some AISPs may (with your permission) choose to access your Account without identifying themselves to the Issuer. As a result, it is important that you check that any AISP you use is authorised or registered by the Financial Conduct Authority or other European regulator to access your Account from the information given to you by such AISP. We will treat any instruction from an AISP as if it was from you.
  • 7.2. We may deny an AISP access to your Account if we are concerned about unauthorised or fraudulent access by that AISP setting out the reason for such denial. Before doing so, we will tell you that we intend to deny access and give our reasons for doing so, unless it is not reasonably practicable, in which case we will immediately inform you afterwards. In either case, we will tell you in the manner in which we consider most appropriate in the circumstances. We will not tell you if, doing so would compromise our security measures or would otherwise be unlawful.
  • 7.3. If you have provided consent to an AISP to access the data in your Account to enable them to provide account information services on your behalf, you consent to us sharing your information with the AISP as is reasonably required for them to provide their services to you. You must let us know if you withdraw this permission and we recommend you let the AISP know. On notification from you, we will not provide such AISP access to your Account or the data in it.

8. Your Curve Card

  • 8.1. Your Curve Card may be a commercial prepaid Mastercard®, a personal debit Mastercard® or a business debit Mastercard®, based on your employment status and country of residence. This does not impact the Curve product and functionality, the term of use nor the fees that apply to the use of your Curve Card.
  • 8.2. Curve can at any time replace your prepaid Card with a different type of Curve Card, e.g. a debit Card. This will not change the term of use nor the fees that apply to the use of your Curve Card. In case there are any changes to your Account or terms of use due to Curve changing your Curve Card, you will be notified in advance of such change to your Card.
  • 8.3. You can use Curve Card at any merchant or ATM provider which accepts Mastercard® , subject to the Curve Card limits and blocked merchants as set out in the Limits Table at Schedule 2.

9. How Curve Works

  • 9.1. Payment Cards are used to load the E-money Account linked to your Curve Card. In order to use your Curve Account and Curve Card, you will need to link and verify at least one Payment Card to your Account.
  • 9.2. You use the Curve App to submit details of the different Payment Cards you want to link to the Curve Card. When making a transaction, Curve will charge the Payment Card selected in the Curve App. You can change the selected Payment Card at any time in the Curve App by clicking on the available Payment Card images and following in-app instructions. By adding a Payment Card to Curve App, you are providing Curve with a continuous authority to automatically charge that Payment Card to obtain the relevant funds from the Payment Card selected at the time the Curve Card payment request is received by Curve.
  • 9.3. Provided your selected Payment Card is a Visa or Mastercard card, when you use the Curve Card, you purchase E-money for the value of the transaction using your selected Payment Card. Such E-money is loaded onto the Account linked to your Curve Card and then immediately used to pay for the transaction carried out using your Curve Card. If the selected Payment Card account does not have sufficient funds in it to complete the transaction, it will be declined.
  • 9.4. Amex Wallet
    • 9.4.1. You can add an American Express card as a Payment Card to your Curve Account ("Amex Payment Card"), if it is one of the eligible cards listed here. In order to use your Amex Payment Card you need to pre-load an e-wallet associated with that particular Amex Payment Card within the Curve Account with E-money ("Amex Wallet"). You may be charged a wallet top- up fee for topping up your Amex Wallet, the same will be charged at the time of your top up and details can be found in the fees table in Schedule 1.
    • 9.4.2. To pre-load the Amex Wallet, you will need to log in to your Curve app and pre-load your Amex Wallet with funds from your associated Amex Payment Card. You will need to pre-load a minimum top up amount, which will never be more than £100, before you are able to start using your card. In a situation where your card balance falls below a prescribed amount you can choose that Curve is able to automatically top-up the respective Amex Wallet with a predefined amount, defined by you, either during setting up the card or later.
    • 9.4.3. Every Amex Payment Card will have a separate Amex Wallet. Limits may apply to the maximum balance of E-money that may be held within each Amex Wallet at any one time, see at Schedule 1 for more details. When you use your Curve Card and the selected Payment Card is Amex Payment Card, the E-money on the Amex Wallet will be used to pay for the Curve Card transaction.
    • 9.4.4. You can view the E-money balance left in for each Amex Wallet associated with the respective Amex Payment Card.
    • 9.4.5. You can refund the balance on Amex Wallet to the respective underlying Amex Payment card you have assigned to the particular Amex Wallet by contacting support@curve.app.
  • 9.5. In a situation where Curve receives an authorisation for a transaction but is unable to charge your Payment Card, we may, at our sole discretion, decide to step in and cover the cost for the transaction. We will then retain the right to recover the charges by either charging one of the Payment Cards or your Amex Wallet added to your Curve Account or by using any other reasonable means.

10. Authorising and Cancelling Transactions

  • 10.1. When you make a payment with the Curve Card and you authorise Curve to:
    • 10.1.1. where the selected Payment Card is Mastercard or Visa, obtain funds on your behalf from your selected Payment Card, to issue E-money and transfer it onto the Account linked to your Curve Card to pay the merchant or the ATM provider at which your Curve Card was used; or
    • 10.1.2. where the selected Payment Card is Amex, use the E-money on the Amex Wallet to pay the merchant at which your Curve Card was used. Funds on the Amex Wallet cannot be withdrawn via an ATM.
  • 10.2. The authorisation of a transaction can include authorising any single transaction, a series of recurring transactions (including transactions for an indefinite period) or pre-authorising future transactions of a certain or uncertain amount. A transaction made using your Curve Card will be regarded as Authorised by you when you:
    • 10.2.1. enter a PIN or provide any other security code;
    • 10.2.2. sign a sales voucher;
    • 10.2.3. provide the Curve Card details and/ or provide any other details as requested;
    • 10.2.4. wave or swipe the Curve Card over or near a contactless card reader;
    • 10.2.5. insert the Curve Card and enter your PIN to request a cash withdrawal at an ATM or any type of payment terminal.
    • 10.2.6. Once Curve receives the transaction confirmation, we can no longer revoke it, save for the circumstances described in section 10.2.11. The transaction confirmation is deemed to be received by us when we receive the transaction message from the merchant or the ATM provider.
    • 10.2.7. Between the time you Authorise a payment and the time the payment is processed, the merchant may amend the payment amount (for example, to account for taxes, postage or amendments to the purchase you made with the merchant). This is to include any additional amounts which may be payable by you to the merchant, as subsequently agreed by you and the merchant. You agree that Curve is not required to verify this additional amount with you at the time the payment is transferred and that we may transfer any amount up to the ‘maximum amount’ (or similar) on the basis of your Authorisation and upon receiving instructions from the merchant of the final payment amount. Where you do not know the exact amount of the payment at the time you Authorise it, we will not block the funds on your Amex Wallet or charge your Payment Card (as applicable) unless you Authorised the amount. If you pre-authorised a transaction of less than £150 with the merchant, we may charge your Payment Card for the pre-authorised amount at the time. This could be the case for payments you make at hotels or at fuel stations, for example. If your final payment amount is less than the amount we blocked or charged, we will release any blocked funds on your Amex Wallet or refund the Payment Card (as the case may be) as soon as we become aware of the exact amount or receive the instruction from the merchant for the final payment amount.
    • 10.2.8. Some merchants may delay processing your payment. In such an instance, your Authorisation will remain valid typically for up to 30 days. It is also possible for merchants to process your transaction at a later date by sending through an offline transaction. In these situations we will not need to request a fresh authorisation from you and will process the transaction.
    • 10.2.9. You can use your Curve Card to Authorise a merchant to collect funds from your Curve Card at a future date (either on a one-time or recurring basis) until you cancel your Authorisation with the relevant merchant (“Future Payment”). When you make an Authorisation for Future Payments we will process the transaction from the Payment Card (or Amex Wallet, as the case may be) selected in the Curve App at the time that the Future Payment is initiated with us and not the Payment Card that was selected in the Curve App at the time of Authorising the Future Payment with the merchant.
    • 10.2.10. If you have Authorised a Future Payment, the merchant may continue to take payments from your Account until you tell them to cancel it. As Future Payments are initiated by the merchant, you may wish to contact the merchant to stop the Future Payments being initiated under the contract between you and the merchant.
    • 10.2.11. In a situation where that is not possible, you can revoke the Future Payments by contacting us at support@curve.app provided that request for such a reversal is given no later than close of business on the Business Day before the transaction is due to take place. In a situation where that is not possible, you can revoke the Future Payments by contacting us at support@curve.app provided that request for such a reversal is given no later than close of business on the Business Day before the transaction is due to take place.
  • 10.3. Curve retains the right to refuse transactions without having to provide an explanation.
  • 10.4. Some transactions are not transmitted to Curve in real-time. In such cases, Curve will charge the Payment Card (or the Amex Wallet, as the case may be) selected in the Curve App at the time it receives the payment request.

11. Spending Limits

  • 11.1. Your Curve Account and Card are subject to limits as set out in the Limits Table in Schedule 2. Curve may, at its reasonable discretion set additional controls and limits to manage the risk, particularly with respect to money laundering, fraud or security concerns. Curve may carry out risk checks on your identity, your business (where applicable) and your Account usage in order to determine whether your limits can be changed. You may request an increase in spend limits, but if increased limits are not granted, you cannot re-apply for higher limits again before the elapse of 3 months from the last request.

12. Refusing Transactions and suspending your Curve Card or Account

  • 12.1. We may refuse to execute any payment transaction and/or cancel or suspend your Curve Card or Account at any time for reasons relating to the following:
    • 12.1.1. we are concerned about the security of your Curve Card or Account or access to it;
    • 12.1.2. we know or suspect that that your Curve Card or Account is being used in an unauthorised or fraudulent manner;
    • 12.1.3. we need to do so in order to comply with the law or otherwise for regulatory or fraud prevention purposes;
    • 12.1.4. you have notified us that your Curve Card has been lost or stolen;
    • 12.1.5. the transaction would breach the limits applicable to your Account;
    • 12.1.6. you breach an important part of this Agreement, or repeatedly breach any term in this Agreement and fail to resolve the matter in a timely manner.
  • 12.2. We will notify you of the refusal, and (where possible) the reasons for such refusal to execute a transaction. We will notify you of the refusal, and (where possible) the reasons for such refusal to execute a transaction.
  • 12.3. We will inform you before suspending or cancelling your right to use the Curve Card and/or Account with reasons or, if not possible, immediately after, unless to do so would compromise reasonable security measures or would be otherwise unlawful. We will re-activate your Account and/or Curve Card and where appropriate issue you with a replacement Curve Card as soon as practicable after the reasons for the action taken by us no longer apply.

13. Fees

  • 13.1. Fees for Users registered are set out in Schedule 1 below. Where other fees apply for services or functionalities not referred to in Schedule 1, you will be notified of those fees on the Curve Website or the Curve App before using those other services or functionalities.

14. Currency Conversion

  • 14.1. Currency conversion fees may be charged by the Payment Card issuer when you make a transaction using your Curve Card with the Payment Card as the Funding Source, where the transaction is in a currency other than the Denominated Currency of the Payment Card. These fees are not set by Curve. Denominated Currency for the purposes of this Agreement means: the currency that the particular Payment Card was issued in.
  • 14.2. Where your transaction is funded by a Payment Card and involves a currency conversion, by entering into this Agreement you consent to and authorise Curve to convert the currency in place of your Payment Card issuer. If you decide to make a transaction in a currency that is not the Denominated Currency of your Payment Card, the amount of the transaction will be converted into the Denominated Currency at the Exchange Rate.
  • 14.3. The Exchange Rate means: Standard Exchange Rate or Weekend Exchange Rate, as applicable. The Exchange Rate means a wholesale rate that is sourced from Currency Layer if the transaction is in a supported currency (as provided on the Curve Website) (if the transaction is in an unsupported currency then the rate used will be the Mastercard rate (https://www.mastercard.com/global/currencyconversion/). Currency Layer and Mastercard use a very broad base of commercial sources and banks around the world. The Standard Exchange Rate are applicable during the foreign exchange market hours in UK. In circumstances where it is not possible for the Standard Exchange Rate to be used, including when the foreign exchange market is closed on weekends or on bank holidays, the exchange rate to be applied will be the Weekend Exchange Rate, which is the exchange rate from the close of business on the last working day that the markets were open. The Exchange Rate means: Standard Exchange Rate or Weekend Exchange Rate, as applicable. The Exchange Rate means a wholesale rate that is sourced from Currency Layer if the transaction is in a supported currency (as provided on the Curve Website) (if the transaction is in an unsupported currency then the rate used will be the Mastercard rate (https://www.mastercard.com/global/currencyconversion/). Currency Layer and Mastercard use a very broad base of commercial sources and banks around the world. The Standard Exchange Rate are applicable during the foreign exchange market hours in UK. In circumstances where it is not possible for the Standard Exchange Rate to be used, including when the foreign exchange market is closed on weekends or on bank holidays, the exchange rate to be applied will be the Weekend Exchange Rate, which is the exchange rate from the close of business on the last working day that the markets were open.
  • 14.4. The Exchange Rate may include a processing fee from Curve which is laid out in Schedule 1.
  • 14.5. The Exchange Rate may vary and is not set by us. It may vary and fluctuate between the date you made the transaction using your Curve Card and the date that the transaction is actually processed by the merchant to your Account. When the Exchange Rate is adjusted it may be applied immediately and without notice to you. In case you use the ‘go back in time’ feature for any transaction to which foreign exchange was applied the first time, this may mean that a different Exchange Rate may apply than the one at which the transaction was concluded the first time. If the payment is subsequently refunded by the merchant the amount you receive will be based on the exchange rate at the point the transaction is settled and not the rate at the date the refund is processed.
  • 14.6. If you would like to check the exchange rate used for a transaction, you can do so by contacting Customer Support.
  • 14.7. Where the currency conversion is offered at the point of sale by the merchant or any third party you are using to process the payment, and you choose to Authorise the payment transaction on the basis of the merchant or third party’s exchange rate and charges, Curve has no liability to you for the currency conversion that you are charged.

15. Features

  • 15.1. Go Back In Time Feature
    • 15.1.1. “Go back in time” feature permits you to change the Payment Card used to fund a certain transaction after the transaction was made, provided, it meets eligibility criteria determined by Curve as indicated within the Curve App. Curve can change this criteria at any time.
    • 15.1.2. Curve reserves the right to use the “Go back in time” feature for a specific customer or group of customers at any time without providing a reason.
    • 15.1.3. You must not use this feature where doing so would breach of this Agreement.
    • 15.1.4. Curve is not responsible for any charges levied by your Payment Card issuer resulting from your use of the “Go Back in Time” feature.
    • 15.1.5. You can not use the “Go Back in Time” with the Amex Wallet, that is you can not move a transaction made with the Amex Wallet to a different card and you can not move a transaction made on a different Funding Source to the Amex Wallet.
  • 15.2. Curve Rewards
    • 15.2.1. Curve Rewards are awarded at the discretion of Curve and can be redeemed by you at merchants. The earning and redemption policy is set out on the Curve website and maybe amended from time to time without any prior notice to you.
    • 15.2.2. If you signed up for Curve before February 16th 2018 you will receive between 1-5% cashback as Curve Rewards points every time you spend with your Curve Card at one of the pre-selected list of retailers. Curve Blue Account holders can earn between 1-3% cashback and Curve Black Account holders can earn between 3-5% cashback. Please note that the pre-selected list of retailers could be changed from time to time without prior notice.
    • 15.2.3. If you signed up for Curve after February 16th 2018 you will receive 1% instant cashback every time they spend with your Curve Card at retailers that you have chosen from a list of retailers in the UK. Curve Blue Account holders can choose 3 retailers, Curve Black Account and Curve Metal Account holders can choose 6 retailers from an larger selection of retailers. Curve Cashback is an introductory offer and is only valid for 90 days. Your 90 days will start either the date you confirm your cashback merchant selection, or the date you activate your Curve card (whichever occurs later). Your Curve Cashback scheme will not reset when you upgrade or downgrade your Account as this is an introductory offer.
    • 15.2.4. When you choose to pay with Curve Rewards, Curve will fund an equivalent amount to make a payment to the merchant, which will not form part of your Curve Account Balance.‎
    • 15.2.5. Curve Rewards have no cash value and are not deemed to be E-money or any other equivalent monetary value. Your Curve Rewards cannot be used to withdraw cash or otherwise be redeemed for cash. You can not use Curve Rewards points to pay for any fees due to Curve, including Curve Black Subscription, Curve Metal Subscription
    • 15.2.6. Curve Rewards expire 6 months from the date they are added to your virtual Curve Rewards card in your Curve App. If your Account is closed either by you or by Curve, you will not be able to redeem the value of your Curve Rewards.
  • 15.3. Xero feature
    • 15.3.1. e have the ability for you to be able to connect your Curve Account to your Xero account (from Curve Connect section in the Curve App) to enable you to automatically draw information on transactions carried out using your Curve Card to your Xero account. You will be able to select the Payment Cards you want to connect to your Xero account. Only the information relating to those Curve transactions funded from the selected Payment Card(s) or selected transactions will be sent to your Xero account.
    • 15.3.2. You acknowledge and agree that Xero account is provided by an independent third party provider subject to separate terms of use and that Curve shall have no liability whatsoever in respect of how the information sent to Xero account will be used, including, without limitation any accounting or reporting performed through Xero software.

16. Restricted activities

  • 16.1. It is not permitted to use the Curve Account, Curve Card or Services:
    • 16.1.1. in breach of any term of this Agreement;
    • 16.1.2. for any illegal purpose including activities pertaining to escort services, gambling, direct marketing, purchase, sale or trade of cryptocurrencies or foreign currency, money orders (not wire transfer) and travelers cheques transactions made at non-financial institutions;
    • 16.1.3. for “cash recycling”, whereby cash is taken out of an ATM using a Curve Card and then used to repay the credit card in order to gain rewards on the Payment Card or Curve Rewards;
    • 16.1.4. in a way that infringes Curve’s or any other third party’s intellectual property rights or rights to privacy or publicity;
    • 16.1.5. in a way that purposefully interferes with the proper operation of the Service or in a manner that may be defamatory, libellous, threatening, abusive or harassing when using the Services;
    • 16.1.6. to create more than one Curve Account without our prior written consent;
    • 16.1.7. to violate any law, statute, ordinances or regulations;
    • 16.1.8. to provide false or inaccurate information;
    • 16.1.9. when you are refusing to co-operate in an investigation;
    • 16.1.10. attempt to retrieve funds from a bank, Curve or the merchant for the same transaction;
    • 16.1.11. to inject content or code or otherwise alter or interfere with any portion of the Curve App or any manner of the provision of the Services.

17. Cancellation and Closing your Curve Account

  • 17.1. This Agreement remains in force until terminated in accordance with this Agreement.
  • 17.2. If you change your mind about having your Curve Blue Account, you can cancel it by writing to us at: support@curve.app. Note you will not be entitled to a refund for any fees incurred with respect to Curve Card transactions you make before cancelling your Account with us.
  • 17.3. You have a right to cancel your Account within fourteen (14) days starting from the day you first sign up for an Account with us ("Cooling-Off Period").
  • 17.4. We can suspend or close your Account and terminate this Agreement by notifying you if any of the following happen:
    • 17.4.1. we don’t have sufficient information to operate your Account or it turns out you weren’t allowed to use the Services in the first place;
    • 17.4.2. your behaviour towards us makes it difficult to deal with you (e.g. you insult or threaten us or our people);
    • 17.4.3. you weren’t entitled, or are no longer entitled, to open the Account or use our Service (this includes if you do not accept any revised Agreement);
    • 17.4.4. you don’t pay any fee or charge charged by Curve on time;
    • 17.4.5. you commit a material or persistent breach of this Agreement or you do any matter described as restricted activity in section 16;
    • 17.4.6. we need to do so in order to comply with the law;
    • 17.4.7. you are declared bankrupt;
    • 17.4.8. we can verify that you have died.
  • 17.5. We may, at any time and without liability, suspend, ,block, limit, close or cancel your right to use your Curve Card or Account entirely, which may in turn suspend, block, limit, close or cancel access to your Account (such as limiting access to any of your Funding Sources, make withdrawals, or remove financial Information) or for any particular transaction without notifying you.
  • 17.6. If either you notify us or we notify you of the closure of your Account then:
    • 17.6.1. you won’t be able to use your Account or any Services linked to it anymore;
    • 17.6.2. your Curve Card will no longer work;
    • 17.6.3. if you owe us any money (including any payments you have already made but that have not been taken out of your Account), we may choose to keep your Account open and we may seek to recover such sums.
  • 17.7. If your Account closes, you are responsible for cancelling any payments to or from your Account. However, if someone pays money into a closed Account, we’ll try to send the money back to them if we have the information we need to do so.
  • 17.8. Once all transactions and fees have been deducted, any balance on your Account will be returned to you (this excludes Curve Rewards). We will use the information you have provided us to try to send the remaining funds back to you. We may ask you to provide satisfactory confirmation of your identity and address before the funds are returned.

18. Your Liability

  • 18.1. If you have notified us in accordance with section 6.2 above without undue delay and in any event no later than 13 months after the unauthorised or incorrectly executed transaction was debited to your Account, and there is no evidence to suggest you acted fraudulently or with intent or gross negligence (for example, by failing to keep your Personalised Security Credentials safe), we will refund the amount of unauthorised transaction in full, prior to investigating for all unauthorised transactions sent from your Account. If you are due a refund for an unauthorised transaction, we'll make sure you receive it no later than the end of the Business Day following the day you told us about the unauthorised transaction.
  • 18.2. You may be liable up to a maximum of £35 or currency equivalent for unauthorised use of your Curve Card or Account before you notified us in accordance with section 6.2 above. The £35 liability limit or currency equivalent is applicable to each instance of loss, theft or misappropriation and not each transaction.
  • 18.3. You will be liable for all losses incurred in respect of an unauthorised transaction if you have acted fraudulently or have intentionally or with gross negligence failed to (i) comply with this Agreement in relation to the use of the Curve Card and/or Account and safety of its security features or (ii) to notify us in accordance with section 6.2.
  • 18.4. You remain responsible under this Agreement in respect of all transactions made on your Account including all charges and other amounts incurred in accordance with this Agreement.
  • 18.5. Unless otherwise directed by us, you must not use or attempt to use your Curve Card or Curve Account while it is suspended or has been closed. You must ensure that all agreements with merchants or other third parties that involve third party initiated payments (including, Recurring Payments) set up from your Account are cancelled immediately upon the termination, suspension or closure of your Account.

19. Our Liability

  • 19.1. We will not be liable for any losses arising from: a merchant or ATM provider refusing to accept Curve Card or process the Curve Card transaction;
    • 19.1.1. us suspending, cancelling you Curve Card or Account or refusing to issue a replacement Curve Card if we suspect your Account or Card is being used in an unauthorised or fraudulent manner, or we are concerned about the security of your Curve Card or Account or as a result of you breaking an important term or repeatedly breaking any term in this Agreement;
    • 19.1.2. our compliance with any applicable laws;
    • 19.1.3. any cause which results from abnormal or unforeseeable circumstances beyond our reasonable control, the consequences of which would have been unavoidable despite our best efforts to stop it;
    • 19.1.4. loss or corruption of data unless caused by our willful wrongdoing
  • 19.2. We will not be liable for the goods or services that you purchase using your Curve Card.
  • 19.3. Unless otherwise required by law or as set out in this Agreement, we will not be liable to you in respect of any losses you or any third party may suffer in connection with Account or use of the Curve Card as a result of our actions which were not a foreseeable consequence of our actions.

20. No Warranty

  • 20.1. We provide the Services to you subject to your statutory rights but otherwise without any warranty or condition, express or implied, except as specifically stated in this Agreement.
  • 20.2. We do not guarantee continuous or uninterrupted access to any part of our Service. We shall not be liable for any delay in the failure in our provision of the Services under this Agreement. You also acknowledge that we will not be responsible for any charges that you may have to pay to any third parties, including the issuer of your Payment Card for its use with the Curve Account or Services. You acknowledge your access to the Website(s) or Curve App may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services.

21. Refunds

  • 21.1. If you use your Curve Card or provide your Curve Card details to a merchant to make a transaction before you know the amount which is going to be charged to your Card or the amount of the transaction was unexpectedly large, you are entitled to a request a refund provided that you write us to support@curve.app, within 8 (eight) weeks from the date the transaction is debited to your Account.
  • 21.2. You must provide all such information as reasonably requested by us to establish your eligibility for a refund.
  • 21.3. We will refund the transaction or provide our reasons for rejecting the refund within 10 (ten) Business Days from the receipt of your request for a refund, or the request further information under section above.
  • 21.4. We will return any refunded or denied or unclaimed payment to the Payment Card which was used to fund the relevant payment.

22. Reimbursement

  • 22.1. In the event you are liable for any amounts which have been refunded to you pursuant to sections 18 or 21 or otherwise owed to us, we may immediately charge such amounts to any of your Payment Cards or Amex Wallet. We reserve the right to collect the amount of your debt to Curve by using any payments received to your Account.
  • 22.2. We may also recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.

23. Privacy

  • Protecting your privacy is very important to us. In order to know how we manage your information, please refer to thePrivacy Policy. As per the Privacy Policy, you explicitly consent to us accessing, processing and retaining any Information you provide to us for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under GDPR. You may withdraw your consent at any time. If you do this, we will close your Account and stop using your Information to provide payment services to you. We may continue to process your Information for other purposes, for example where we are required by law to do so.

24. Complaints

  • 24.1. For users resident in the United Kingdom, if you have a complaint, please contact us by emailing us at “support@curve.app”, or via the Curve App, or by calling the Curve Support telephone number located on the Website. We aim to provide you a full response by email to your complaint within 15 (fifteen) Business Days. If we are unable to provide you a full response, we will inform you of the reasons for the delay and the time within which you will receive this response, which in all cases will not exceed 35 (thirty-five) Business Days. If you’re still not happy with our response, you can refer your complaint to the Financial Ombudsman Service. For further information on Financial Ombudsman Service, please refer to their website: www.financial-ombudsman.org.uk. You may obtain further information regarding the FOS and contact the FOS at

    Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

    Telephone: 0800 023 4567 or 0300 123 9123 (network charges may apply)

    Email: complaint.info@financial-ombudsman.org.uk

    Website: www.financial-ombudsman.org.uk

  • 24.2 For users resident in any country other than United Kingdom but resident in the European Union, please refer to Section 26.

25. Additional Features

  • 25.1. Curve may at any time introduce new services and/or features associated with your Curve App, Service or Account. Your use of such services and/or features will be subject to separate terms and conditions of use, as amended from time to time, the current version of which will be available on the Curve Website.

26. Non - UK users (as may be applicable only in case of hard Brexit)

  • 26.1. Details of Issuer

    The e-money and card issuance services will be provided by Wirecard Bank AG, a credit institution authorised and regulated by the Federal Financial Supervisory Authority in Germany which ID number 117969, whose registered office is at Einsteinring 35, 85609 Aschheim, Germany.

  • 26.2. We reserve the right to make changes to your spending limits if we are required to do so by law.
  • Complaints and redress

    If we are unable to resolve any complaint you may be able to refer it to Germany’s financial services ombudsman, who can be contacted using the following details:

    Wirecard Bank AG is a participant in the dispute settlement procedure of the German consumer arbitration body “Ombudsman of Private Banks” (www.bankenombudsmann.de). You may resort to the German Ombudsman of Private Banks to settle a dispute with Wirecard Bank AG. Further details are available at www.bankenverband.de. Complaints must be addressed in text form (e.g. by letter, telefax or email) to: Kundenbeschwerdestelle beim Bundesverband deutscher Banken e. V., Postfach 04 03 07, 10062 Berli Fax: (030) 1663-3169 Email: ombudsmann@bdb.de

    • 26.3.2. Furthermore, you may at any time file a complaint in writing, or have a complaint recorded, at the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht), located at Graurheindorfer Straße 108, 53117 Bonn and Marie-Curie-Str. 24-28, 60439 Frankfurt am Main, Germany, if Wirecard Bank AG breaches the applicable German law provisions.
    • 26.3.3 The European Commission has also set up a European online dispute settlement platform (OS platform) at www.ec.europa.eu/consumers/odr. Consumers may use this OS platform for the out-of-court settlement of a dispute arising from online contracts with a company based in the EU.

27. Miscellaneous

  • 27.1. Communication
    • 27.1.1. We may communicate with you via the Curve App, Website, by email, phone number or to your address provided by you. Please note that changes to your contact details need to be communicated as soon as possible and we shall not be responsible for any losses or damage that may arise because the relevant details are not duly updated. All our communications with you will be in English.
    • 27.1.2. We may need to contact you urgently if we suspect or find fraudulent activity has occurred on your account (provided we are not prohibited from doing so by law) or if we suffer a security threat.When we contact you, we will also give you information on how you can minimise any risk to your payment instrument depending on the nature of the security threat. We’ll use the same contact details which you have already provided us with when contacting you.
  • 27.2. Changes to this Agreement
    • 27.2.1. We may at any time change the terms of the Agreement (including without limitation changing the existing fees or introducing new fees) by providing you with two months’ notice by email on your primary email address or by sending you an in-app notification. These changes will be deemed to have been accepted by you where you do not, before the proposed date of the entry into force of the changes, notify us to the contrary. If you do not accept the changes, you are entitled to close your Account before any change comes into force by notifying us of them same by emailing us at support@curve.app.
  • 27.3. Intellectual Property
    • 27.3.1. As between you and Curve, all intellectual property rights and all other rights in relation to the Service, Curve Card and/or Account are owned by Curve. Curve licenses all such rights to you on a non-exclusive basis to such extent as is necessary to enable you to make reasonable use of the Services, Curve Card and/or Account. If this Agreement expires or is terminated for any reason or you close your Curve Account or your Curve Account is closed by us, this licence will automatically terminate.
  • 27.4. Entire Agreement
    • 27.4.1. This Agreement (including any Schedules) forms the entire agreement between us and you and the Issuer. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall be enforced.
  • 27.5. Assignment or Transfer of Rights
    • 27.5.1. This Agreement is personal to you and you cannot assign, transfer, or deal in any other manner with any of its rights and obligations under this Agreement without our prior written consent. A person who is not a party to this Agreement has no rights under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement (except for the companies within the Curve group in respect of their rights as specified in this Agreement). We may assign the benefit and burden of this Agreement to another entity at any time, by giving you two months’ prior notice. If we do this, your rights will not be affected.
  • 27.6. No waiver
    • 27.6.1. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.
  • 27.7. Governing Law
    • 27.7.1. This Agreement and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it shall be governed by and construed in accordance with the laws of England and is subject to exclusive jurisdiction of English courts.

28. Definitions

Save as otherwise defined in this Agreement, the following definitions apply to this Agreement:

“Account” or “Curve Account” means a Curve Blue Account or Curve Black Account or Curve Metal Account (as the case may be).

“Account Information Service Provider” or “AISP” means a third party payment service provider who is authorised by or registered with the Financial Conduct Authority or another European regulator to provide online account information services, who, with your permission will be able to access certain online account information on one or more payment accounts held by you to give you a consolidated view of your payment accounts.

“Agreement” means this agreement including all subsequent amendments.

“Amex Wallet” has the meaning given to in section 9.4.

“Authorise” or “Authorisation” means you authorise a merchant or other third party to collect or direct a payment from your Account.

“Balance” means any E-money that you have in your Curve Account.

“Business Card” means a Card used only for business use pursuant to section 3.2.

“Business Days” means a day the banks in England are open for business.

“Curve App” means the application downloaded onto your phone which enables your Payment Cards to be used to load the E-money Account linked to your Curve Card.

“Curve Black Account” means the Account with Curve Black Service or Curve Black Legacy Services.

“Curve Black Legacy Services” means the services available to Curve Black before the 18th of December, 2018 and is limited to:

  • - a Curve Black Card;
  • - unlimited fee - free foreign exchange spend;
  • - fee-free ATM withdrawals of £400/month over which you will be charged 2% or £2 (whichever is higher);
  • - Curve Rewards as per your programme as on the 28th of January, 2019;
  • - you can top-up your Curve Amex wallet by paying 0.65% of the top up amount with no fee free allowance.

Curve Black Legacy Services are different from Curve Black Services.

“Curve Black Service” means the benefits you are entitled to as a result of having a Curve Black Account, as more particularly set out here and separate from the Curve Back Legacy Services.

“Curve Black Subscription” means a monthly or annual subscription fee to the Curve Black Service, as set out in Schedule 1.

“Curve Blue Account” means the Account with Curve Blue Service.

“Curve Blue Services” means the benefits you are entitled to as a result of having a Curve Blue Account, as more particularly set out here here.

“Curve Metal Card” means the metal Card available as part of the Curve Metal Service.

“Curve Metal Card Fee” means the fee payable for fulfilling and delivery of the Metal card which is part of the Metal Service, this amounts to £50

“Curve Metal Service” means the benefits you are entitled to as a result of having a Curve Metal Account, as more particularly set out here.

“Curve Metal Subscription” means a monthly or annual subscription fee to the Curve Metal Service, as set out in Schedule 1.

“Curve Support” is Curve’s customer service function which can be accessed via the Website or Curve App or by emailing support@curve.app

“Curve Card” or “Card” means a ‘prepaid’, ‘debit’, ‘personal’ or ‘commercial’ payment card (as indicated on your Curve Card) issued to your under this Agreement.

“Curve Reward(s)” means loyalty points given to you by Curve which may be redeemed in accordance with the terms available at https://support.imaginecurve.com/hc/en-gb/categories/201626309-Features-benefits as may be amended from time to time.

“Denominated Currency” the currency of your Payment Card.

“Eligibility Criteria” means the criteria which must be met in order to sign up for a Curve Account as set out in Section 1 .

“E-money” means monetary value, as represented as a claim on Curve, which is stored on an electronic device, issued on receipt of funds, and accepted as a means of payment by persons other than Curve. The terms “e-money”, “money” and “funds” are used interchangeably in this Agreement. Further, a reference to a payment made by via the Services refers to an e-money payment.

“Future Payment” has the meaning given to it at section 10.2.9.

“Funding Sources” means the payment method used to fund a transaction. The following payment methods may be used to fund a transaction: Balance from your Amex Wallet, or a Payment Card added to your Curve App.

“Information” means any confidential and/or personally identifiable information or other information related to an Account or User, including but not limited to the following: name, email address, post/shipping address, phone number and financial information.

“Payment Card” means any debit card, credit card or prepaid card that can be added to your Curve App.

“Personal Card” means a Curve Card used only for personal use pursuant to section 3.2.

“Personalised Security Credentials” means any passwords, codes, biometric data (such as your fingerprint scan) or other security information issued to you and/or set up or used by you to secure access to the Account and Services.

“Pre-Fund Authorisation” means the money Curve reserves the right to retain a pre-authorisation on as required by section 3.7.

“Restricted Activities” means activities described in section 16.

“Services” means all products, services, content, features, technologies or functions offered by Curve and all related sites, applications, and services including the Curve Card and the Curve App.

“United Kingdom” or “UK” means the United Kingdom of Great Britain and Northern Ireland.

“We,” “us” or “our” means the Issuer and Curve, and includes its successors and any person to whom either has assigned its rights under this Agreement.

“Website” means www.curve.app, or any other website we make available to you for providing the Services to you.

“User,” “You”, “you” or “your” means the person entering into this Agreement with us to use the Service.

For more information, you can:

Contact Curve Support on support@curve.app

Read Curve FAQs

Review Curve’s Privacy policy

Review Curve’s Fair Use policy

Schedule 1

You agree that we may deduct our Fees from the transactions we process on your Account. Fees apply for other account activity or events as outlined in this Agreement.

Fees are inclusive of all applicable taxes; however, other taxes or costs may exist that are not paid through Curve or imposed by us. You are liable for telephone charges and any charges made by your internet service provider or similar or associated charges as a result of the use by you of the Services.

We will provide you with the details of transactions and our charges either in your transaction history (which you can access by logging into your Account) or by e-mail. Unless it is proven that we have made a mistake, all fees are payable by you without set off or other deductions. We may make a charge for any additional services we provide outside this Agreement. We will tell you of those charges when you ask for the service.

Curve’s fees and limits are separate from any terms your Payment Card issuer.. Please check your Payment Card issuer’s terms of service for clarification.

FEE TABLE

The fees are denominated in GBP and may be charged in the currency equivalent in case your underlying payment card is in a different currency.

Subscription Fees

Curve BlueCurve BlackCurve Metal
Shipping£0£0£0
Monthly£0€9.99 / £9.99*£14.99*
Annual£0Not applicable£150*
Minimum subscription period (months)00
6 (monthly)
12 on annual plan
Replacement Card£0£0£0

*All prices exclude any applicable taxes and Curve may charge you on any of your Funding Sources for any applicable taxes.

General FeesFee (£GBP or currency equivalent)
Curve Blue AccountCurve Black AccountCurve Metal Account
Amex Wallet top-up fee*0.65% of top-up amountFree for topping-up to £1,000, then you will be charged 0.65% of top-up amount. The allowance of £1,000 is cumulative to all top-ups on your Curve Account on a rolling 30 day period from your first top-up of your Curve Amex WalletNo charge (subject to fair use)
Fee for termination or downgradeFreeThere is no fee for termination, Curve retains the right to charged for any Curve Black Services provided may be charged for the Curve Black Services providedThere is no fee for termination, a fee may be charged for the Metal Services provided
Cash withdrawal fees*Fee (£GBP or currency equivalent)
Curve Blue AccountCurve Black AccountCurve Metal Account
Fee for domestic ATM withdrawal (i.e. ATM withdrawal in the currency of the Payment Card. Note: some ATM providers may raise additional charges.Free for up to 10 ATM withdrawals per calendar month; thereafter £0.50 per ATM withdrawalFree for up to 10 ATM withdrawals per calendar month; thereafter £0.50/€0.50 per ATM withdrawalFree for up to 10 ATM withdrawals per calendar month; thereafter £0.50/€0.50 per ATM withdrawal
Currency Conversion Fees
Standard Exchange Rate
Curve Blue AccountCurve Black AccountCurve Metal Account
Spend (in currency other than the currency of the selected Payment Card)Up to a spend of £500 per month - no currency conversion fees will be charged and the transaction will be made at the Standard Exchange Rate, if there is any spend beyond this Curve may charge 2% of the amount of the transaction over the Standard Exchange Rate as currency conversion feesUnlimited fee free currency conversion (subject to fair use of £15,000, beyond which we may charge 2% of the amount of the transaction over the Standard Exchange Rate as currency conversion fees,)Unlimited fee free currency conversion (subject to fair use of £60,000, beyond which we may charge 2% of the amount of the transaction over the Standard Exchange Rate as currency conversion fees)
ATM Withdrawals in currency other than the currency of the selected Payment CardUp to a spend of £200 per month - no currency conversion fees will be charged and the transaction will be made at the Standard Exchange Rate, if there are any withdrawals beyond this Curve may charge 2% of the amount of the transaction or £2 (whichever is higher) over the Standard Exchange Rate as currency conversion fees.Up to a spend of £400 per month - no currency conversion fees will be charged and the transaction will be made at the Standard Exchange Rate, if there are any withdrawals beyond this Curve may charge 2% of the amount of the transaction or £2 (whichever is higher) over the Standard Exchange Rate as currency conversion fees.Up to a spend of £600 per month - no currency conversion fees will be charged and the transaction will be made at the Standard Exchange Rate, if there are any withdrawals beyond this Curve will charge 2% of the amount of the transaction or £2 (whichever is higher) over the Standard Exchange Rate as currency conversion fees.
Weekend Exchange Rate
Curve Blue AccountCurve Black AccountCurve Metal Account
Spend and ATM Withdrawals in currency other than the currency of the the selected Payment CardIn case of withdrawals or purchases over the weekend with an underlying card of a different currency of the spend, as the Forex markets are closed, we take the rate of last days the market were open (in most cases Friday at 23:59 GMT) and apply a surcharge. If there is a currency conversion and the currency of the underlying card are GBP, USD or EUR, the rate will be increased by 0.5%. In any other case, that is if either the currency of your spend or the currency of the underlying card is any our other supported currencies, the rate will be increased by up to 1.5% .In case of withdrawals or purchases over the weekend with an underlying card of a different currency of the spend, as the Forex markets are closed, we take the rate of last days the market were open (in most cases Friday at 23:59 GMT) and apply a surcharge. If there is a currency conversion and the currency of the underlying card are GBP, USD or EUR, the rate will be increased by 0.5%. In any other case, that is if either the currency of your spend or the currency of the underlying card is any our other supported currencies, the rate will be increased by up to 1.5% .In case of withdrawals or purchases over the weekend with an underlying card of a different currency of the spend, as the Forex markets are closed, we take the rate of last days the market were open (in most cases Friday at 23:59 GMT) and apply a surcharge. If there is a currency conversion and the currency of the underlying card are GBP, USD or EUR, the rate will be increased by 0.5%. In any other case, that is if either the currency of your spend or the currency of the underlying card is any our other supported currencies, the rate will be increased by up to 1.5%.

Schedule 2

LIMITS TABLE

CategoryDEFAULT
ATM cash withdrawal£200 max per ATM withdrawal or per day subject to the Fair Use Policy
Spend

£2,000 max per spend transaction or per day

£5000 max per 30 days (rolling)

£10,000 max per year (rolling)

Card usageCashback/ cash advance not permitted
Blocked merchant categories

Gambling

Dating and escort services

Massage parlours

Inbound teleservices

Investment services

Prepaid/ cash services

Certain categories may be enabled based on your risk review. It is at the discretion of Curve to not allow certain categories of transaction for any user.

CategoryDEFAULTMAXIMUM
Amex top up amount£100£10,000

Your limits will be upgraded automatically the more you use your Curve Card and providing your account passes Curve risk checks.

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