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EEA Subscription Schedules

  • Curve Standard
  • Curve X
  • Curve Black
  • Curve Metal

Version 3 – Published 15 September 2023

You can download a copy of this subscription schedule here.

This subscription schedule will take effect as of 15 November 2023 for all customers. For the applicable fees prior to this date, please click here

Subscription Fee: Free

To provide you with the benefits and services associated with your Curve card.

Delivery Fee: €5.99

To cover the cost of delivering a physical card.

Minimum Term: No minimum term.

Minimum period you need to maintain your subscription.

Replacement Card Fee: €5.99

To provide you with a replacement Curve card.

Funding Sources Limit: 3

The number of cards and accounts (i.e. funding sources) that you can add to your Curve wallet. 

Go Back in TimeⓇ Limits: 

3 trips back in time on payments up to 30 days old.

The number of times you can use Go Back in Time per rolling 30-day period and the Time Dilation (length of time) after the original transaction was made during which you can use this feature..

Smart Rules Limits: 2

The number of Smart Rules you can set in the Curve app. 

Cancellation Fee: Free

This relates to the cost of providing your Curve physical card, including the cost of making it and posting it to you and providing you with the benefits associated with your card up to the point you cancel it. Delivery fees will not be refunded in case of cancellations.

ATM Withdrawal Fees: 

The greater of (i) 2% of the withdrawal amount or (ii) €2.

This is for the service of Curve enabling you to withdraw cash from ATMs. Note that some ATM providers may impose additional charges.‎ This fee will be in addition to any of the other fees mentioned in this Subscription Schedule.

Currency Conversion Fee:

Fee-free currency conversion up to €250 per rolling 30-day period. Then, 2.5% in addition to the Mastercard Wholesale Rate

This fee enables you to pay for goods and services in a currency different from the currency of your payment source. Any fee we charge will be in addition to the exchange rate we use to convert the currency you used to pay for the goods and services to the currency your payment source is in. We’ll use the latest available exchange rate from Mastercard (also known as the “Mastercard Wholesale Rate”).

Currency Conversion Fee (for purchases and ATM withdrawals over the weekend or public holidays):

If the currency of your payment source and the transaction you are making are different:

  • we do not apply any surcharge in addition to the Currency Conversion Fee (see above) or the Foreign ATM Withdrawal Fees (see below) where the currency of your payment source is EUR, GBP or USD; or

  • we charge 1% in addition to the Currency Conversion Fee (see above) or the Foreign ATM Withdrawal Fees (see below) where the currency of your payment source is in any other currency. 

This Currency Conversion Fee enables you to make purchases and withdraw cash from ATMs in a currency different from the currency of your payment source during the weekend or public holidays. In such cases, we’ll use the latest available Mastercard Wholesale Rate.

Foreign ATM Withdrawal Fees:

A fee of the greater of (i) 2% of the withdrawal amount or (ii) €2 in addition to the Mastercard Wholesale Rate.

This fee enables you to withdraw cash from an ATM in a currency different from the currency of your payment source. We’ll use the latest available Mastercard Wholesale Rate.

Curve Fronted Fee: 2.5% of the transaction amount.

Curve Fronted enables you to use a credit card (or other eligible payment source) as your underlying payment source to pay bills and at merchants who only accept payment by debit card or who impose a charge if you use another payment source (thus eliminating those charges) or deny certain payment sources. Please note that your payment source provider may charge fees.

Commercial Funding Card Fee: 1.5% of the transaction amount.

This fee is for the service of Curve providing you with the ability to fund payments on a personal Curve card from a commercial card account. The Commercial Funding Card Fee is not refundable, including where you may raise a chargeback request or use Go Back in TimeⓇ. 

International Funding Fee: 2.9% of the total transaction amount.

This fee is for the service of Curve providing you with the ability to fund payments on the Curve card from a payment source issued outside of the United Kingdom or the European Economic Area. The International Funding Fee is not refundable, including where you may raise a chargeback request or use Go Back in TimeⓇ. 

Crypto Rewards: Not available.

Choose to earn rewards in a cryptocurrency instead of Curve Cash points. Available tokens for your subscription type will be displayed in the Curve App.

1% Instant Cashback: Not available.

See our Curve Rewards and Curve Cash Scheme Terms for more information. 

Priority Support: Not available. 

Customer support available within working hours (but still better than your bank!).

Discounted LoungeKey Access: Not available.

Get discounted access to airport lounges around the world with LoungeKey. Terms and conditions apply.

Insurance: Not available. 

Insurance provided by our partners. Terms and conditions apply. Please check the Curve app for further details.

*All fees mentioned in this subscription schedule shall be calculated and charged based on Coordinated Universal Time (UTC). Any weekend fees apply from Friday 23:59 UTC to Sunday 23:59 UTC.