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 Curve ReFi is a balance transfer tool built into Curve Pay. It lets you move purchases between any of your linked credit or debit cards. It’s designed to reduce interest payments and help you manage your cash flow more effectively.

When you use Curve ReFi, we refund the specific past purchases you select - up to the amount you choose to move - and then create a new charge for the same total on the target card you’ve selected.

You’ll see:

• Refunds for the selected purchases on the original card.
• A single new charge for the total amount on the destination

Curve ReFi is free when you move purchases to a Curve Flex instalment plan or a debit card. 

If you choose to move purchases to a credit card, a 1.5% fee applies to the total amount transferred. This fee covers processing costs and will be clearly shown before you confirm the transfer - so there are no surprises.

Transfers are processed instantly. The source card is refunded, and the destination card is charged immediately, however banks may take 3 - 5 business days to present the refunds in your account. 

Yes. Curve ReFi is available across the UK and EEA. It works with any eligible card in your Curve Pay wallet. Curve Flex instalments are only available to eligible Customers in the UK.

Yes, eligible UK Customers can transfer balances directly to Curve Flex Instalments, unlocking even more flexibility.

When you move purchases using Curve ReFi, the original purchases are refunded, and a new purchase is created on your selected card.

• This new purchase uses MCC (Merchant Category Code) 8999.
• This classification helps process the purchase correctly, but it may affect how your card issuer applies rewards, cashback, or promotional rates - so be sure to check how your card treats purchases under MCC 8999.

Sometimes, one or more of the purchases you selected for your transfer may not be refundable - for example, if the original purchase has already been reversed or the card issuer declines the refund.

If that happens, we’ll automatically adjust the total transfer amount so that it only includes the value of the purchases we were able to refund.

Your total amount depends on how much you have spent on your card. You can transfer eligible purchases made within the last 4 months.