Curve Card technique - withdraw cash on any credit card with no fee

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Comments

  • Betting companies usually won't allow a straight withdrawal, especially to a different payment method.

    Can a provider refund to ApplePay?? If you deposited using the Curve card, it'd go straight back to the card regardless 99% of the time (unless your card happens to be lost or stolen before withdrawal and you replace it with a bank debit card on your account....)

    If you deposit through Applepay it should go back to whatever bank debit card you have registered on the account (happened to me several times) - my concern was that I didn't think you could withdraw without 1xrollover/playthrough (similar to casino's etc).

    Clearly 1 x 1/10000 or whatever is taking the Michael, but they can't say how much or how often you have to bet - that wouldn't be very responsible or go along with "when the fun stops stop"!! So my view would be 1 x bet of the entire amount (or multiple bets to cover that amount) is sufficent.

    It seems the latest T&Cs are a bit more relaxed on the matter and only 'may' close your account etc!

    e.g. Ladbrokes (8.3 & 8.4) - https://help.ladbrokes.com/s/article/LB-Website-Terms-and-Conditions - appears to suggest it's only after multiple misuses you'd be in trouble

    Same for Skybet

    9.13 You should only deposit money in Your Account for the purposes of using such money on our Services. We shall be entitled to suspend or close Your Account if we reasonably believe that You are depositing money without any intention to use such money on our Services. In such circumstances we may also report You to the relevant authorities.


    Sadly as the FOS doesn't cover them, even the 1/10000 then withdrawing could see your account in hot water and there's very little recourse - but at least you'd get your cash advance! Plenty to choose from (although how many accept 'alternative' forms of payment I'm not sure)
  • Sad_Dad
    Sad_Dad Posts: 878 Forumite
    First Anniversary Name Dropper First Post
    Thanks Somerset. This could be really interesting.

    I have signed up to Curve today and my card is on it's way.

    I'm a match bettor in my spare time and have about 50 online accounts I can try.

    Some will let you deposit and withdraw straight away without placing a bet, some will also let you withdraw to a different card.

    I've never used Apple Pay but from googling I can see there are bookies that accept it.
  • Ah I did matched betting back in the day! Yea my first though is something like a 10k purchases card, in theory you should be able to easily get that through a betting site

    Not sure what the Apple pay transaction limit is though - I’ve used it into the hundreds, but would something in the thousands be blocked... presumably not as it’s fingerprint auth!

    Curve 50k Annual Limit is a pain - I wonder if ApplePay, when it finally arrives to curve, would bypass that (I doubt it as its likely to be an account limit, but interesting to see!)
  • Sad_Dad
    Sad_Dad Posts: 878 Forumite
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    Only been doing matched betting the last couple of years, I make a nice amount of money from it but it's getting more difficult, I wish I'd discovered it sooner when there were better offers.

    Back on Curve, it looks like new customers only get a 10k limit so a bigger pain but I guess I can refer my wife and get her a card.

    If my wife gets a curve card, would she be able to link a credit card in my name to her curve card or would I have to get her to use cards that are in joint names?
  • Sad_Dad wrote: »
    If my wife gets a curve card, would she be able to link a credit card in my name to her curve card or would I have to get her to use cards that are in joint names?

    Pretty sure you can only link cards in your own name to your curve card... but if you have her as an additional cardholder on your account I don't see why that wouldn't work as the linked card would then be in her name
  • Sad_Dad
    Sad_Dad Posts: 878 Forumite
    First Anniversary Name Dropper First Post
    Thanks, I was thinking that might be the case. If it works with an additional card holder then that will be fine.
  • OceanSound
    OceanSound Posts: 1,482 Forumite
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    I used curve to top up my Monzo card while it was (accidentally) linked to my Lloyds CC instead of my DC. Curve classed it as "Business services" while Lloyds classed it as "Professional services not elsewhere classified". Lloyds has been classing all of my purchases through curve using this description however, regardless of whether it's food, online shopping, bills, etc...
    I can only see 'bank transfer' and 'cheque' top ups available in the monzo app. Wonder if debit card top ups have been discontinued.
  • SnowTiger
    SnowTiger Posts: 4,458 Forumite
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    OceanSound wrote: »
    I can only see 'bank transfer' and 'cheque' top ups available in the monzo app. Wonder if debit card top ups have been discontinued.

    Are you using an iThing?

    Debit card top ups seem to be missing from their iThing app. In their Android app it's the icon at the top right of the add money screen.

    Anyone can use the https://monzo.me/ web service to top up via a card.

    Monzo is withdrawing the service in a few weeks.

    And, as mentioned in their this forum's parent, Curve has quietly announced it's now passing a transaction's original MCC to the underlying card.
  • OceanSound
    OceanSound Posts: 1,482 Forumite
    First Post First Anniversary Name Dropper
    SnowTiger wrote: »
    Are you using an iThing?

    Debit card top ups seem to be missing from their iThing app. In their Android app it's the icon at the top right of the add money screen.

    Anyone can use the https://monzo.me/ web service to top up via a card.

    Monzo is withdrawing the service in a few weeks.

    And, as mentioned in their this forum's parent, Curve has quietly announced it's now passing a transaction's original MCC to the underlying card.
    Using monzo app on android.

    On my app the add money button is at the bottom.
    monzo-add-money-25-perc.png?raw=1

    I tap 'add money' and the next screen is:
    monzo-add-money-2-25perc.png?raw=1
    Just been chatting to Monzo support. He said the add money using debit card feature is not available for new monzo users.
  • SnowTiger wrote: »

    Wow. Thanks for flagging that, I hadn't seen it and it would have cost me.

    It's suddenly made Curve a lot less useful.
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