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1% CASHBACK REFERRAL OFFER TERMS

Version 1 - Published 17 September 2025

  1. We are offering  customers the opportunity to earn 1% cashback, up to £15 in the form of Curve Cash Points, on all spend on their Curve card for 30 days (the “Reward”) by referring someone (the “Invitee”) to sign up for a Curve account (the “Referral Offer”) on the terms set out below (the “Terms”).

  2. Existing users who receive an invitation to participate in the Referral Offer by way of email, notification or through the Referral applet in the Curve Launchpad (either, the “Referral Invite”) will be eligible to participate.

  3. The Referral Offer will be open for a specific period of time, as stated on the Referral Invite (the “Offer Period”) and below.

  4. You will only earn a Reward if you and the Invitee meet all the criteria specified in the relevant Referral Invite during the Offer Period.

  5. The terms that apply to each Referral Offer are made up of these Terms and the information contained in the Referral Invite (the “Referral Terms”).

  6. You must comply with the Referral Terms and the Terms that apply to your Curve account at all times when participating in the Referral Offer.

  7. The denominations within these Terms will be respective of your region i.e., if you are an EEA Curve customer, your Reward and requirements will be in EUR and if you are a UK Curve customer, your Reward and requirements will be in GBP.

  8. The Referral Offer starts at 17:00:00 GMT on the 17th  of September 2025 and finishes at 23:59:59 GMT on the 31st of December 2025 (the “Offer Period”).

  9. Eligibility for a Curve account and the terms of use of Curve are set out in the UK Terms of Service, Samsung Pay+ Terms of Service and the EEA Terms of Service. Curve does not bear any liability for incomplete account creations or activations, including transaction declines, or if there are delays for any reason, including being unable to verify your account. 

How it works

  1. Once your Invitee successfully signs up for Curve and makes at least 5 transactions of at least £2 on their Curve Card, both you and your Invitee will earn 1% cashback on all your spending (see exclusions on transactions at paragraph 15 below) on your Curve card for 30 days, up to a limit of £15.

The Reward     

  1. The Reward will be given to you in Curve Cash Points which will be added to your Curve Cash Card (you can see this in the Curve app). Our Curve Rewards and Curve Cash scheme terms apply (see here). If you are a UK resident, please note that FSCS protection does not apply to the funds held on your Curve Cash Card. To learn more about how Curve protects your funds and how we minimise your risk, go here. More information can be found on the FCA website itself, here. 

  1. The maximum Reward you can earn under the Referral Offer during the Offer Period is £15 in Curve Cash Points.

  1. Curve Cash Points have no monetary value and are converted to e-money only at the point you spend them with your Curve card. Curve Cash Points cannot be withdrawn as, or redeemed for, cash, cannot be transferred from your Curve Cash card, and expire after 6 months. Your use of Curve Cash Points is subject to our UK Terms of Service (if you are a UK resident) (or Curve’s Samsung Pay+ Terms, if you’re a Samsung Pay+ user) or to our EEA Terms of Service (if you are a resident of the EEA).

  2. Curve Cash Points: You cannot earn Curve Cash Points under the Referral Offer on any of the following:

  1. transactions or purchases of, or relating to, financial services, including but not limited to wire transfers, money orders, money transfers, insurance services, insurance sales, insurance underwriting, insurance premiums, cash disbursement, quasi cash, stored value funding, MoneySend, funding of cards and accounts, securities/shares (including through brokers and dealers), overpayments, bonds, savings bonds;

  2. transactions or purchases of, or relating to, lotteries, casinos, gambling or gambling like services, fines, bail and bond payments, tax payments, and government services;

  3. purchases made using your Curve Cash card balance;

  4. Curve Fronted transactions; 

  5. ATM withdrawals; and

  6. transactions or purchases of, or relating to, colleges, universities, professional schools and junior colleges.

  1. Fair use: The Referral Offer is subject to our UK Fair Use Policy (if you are a UK resident) or to our EEA Fair Use Policy (if you are a resident of the EEA). Any violation of our Fair Use Policy may result in us suspending your participation in the Referral Offer and Curve Cash Points or suspending or closing your Curve account. You will not be credited Curve Cash Points that we reasonably believe were obtained in violation of our Fair Use Policy. We will also revoke any Curve Cash Points granted where we reasonably believe they were obtained by fraud or otherwise in violation of these Terms. Curve reserves the right to revoke any Curve Cash Points granted in excess of the maximum limit as set out in our Fair Use Policy.

  2. Disqualification or suspension: 

  1. Any person persistently trying to circumvent these Terms will be immediately disqualified. Any person who creates or attempts to create duplicate Curve accounts to obtain entries into the Referral Offer will be ineligible.

  2. Curve reserves the right to disqualify customers where there are reasonable grounds to believe they are acting fraudulently or where there has been a breach of these Terms.

  3. Curve also reserves the right to reverse any Reward credited to your Curve account if we become aware that you have breached these Terms or the terms that apply to your Curve account. We will consider the reversal of any Reward to have been done with your consent and the payment to have been authorised by you.

  1. Eligible customers: The Referral Offer is available to new customers who are residents of the United Kingdom and countries in the European Economic Area and are aged 18 years or over at the date of entry, excluding employees of Curve UK Limited, Curve Europe UAB, Curve Credit Limited, Curve US Inc., and their immediate families, associated agents, or anyone professionally connected with the Referral Offer. Curve accepts no liability for customers who do not qualify for the Referral Offer. 

  2. Other promotions: Curve may determine in its sole discretion that the Referral Offer cannot be used in conjunction with any other discount or offer by Curve.

  3. Suspending or amending the  Referral Offer and/or Terms: 

  1. Curve retains the right to amend, suspend or end these Terms and/or the Referral Offer without any prior notice (including if, in our reasonable opinion, the Referral Offer is being abused or may negatively affect Curve’s goodwill or reputation or due to unforeseen circumstances which may make it impossible for us to continue running the Referral Offer). 

  2. Curve will not be liable for any loss, whether directly or indirectly suffered where we are unable to continue running the Referral Offer as planned. 

  1. Acceptance of Terms: By signing up for the Referral Offer, you will be deemed to have accepted the Terms. 

  2. Use of Personal Data: Personal data provided will be used for the purposes of administering the Referral Offer and your Curve account. Please see Curve’s Privacy Policy here.

  3. Law and Jurisdiction: The Referral Offer and these Terms are governed by the laws of England and and Wales and any legal proceedings in relation to them will be held in the courts of England and Wales if you are a United Kingdom resident and by Lithuanian law and Lithuanian courts if you are a Lithuanian resident. If you are resident in another EEA country, nothing in these Terms prevents you from taking legal action in the country in which you reside. 

UK Promoter: Curve UK Limited, registered in the UK with company number 09523903, based at 1-10 Praed Mews, London, W2 1QY. The Curve Card and the e-money related to these cards is issued in the UK by Curve UK Limited, authorised and regulated by the Financial Conduct Authority to issue electronic money (firm reference number 900926).

EEA Promoter: Curve Europe UAB, with company number 305626541 and based at Jogailos g. 9, Vilnius, the Republic of Lithuania. Curve Europe UAB is authorised and regulated by the Bank of Lithuania (license No. 73 issued on 22 October 2020) under the Republic of Lithuania Law on Electronic Money and Electronic Money Institutions.