Curve card cash withdrawals

zerog

My wife's curve hasn't been able to withdraw cash since January, but my curve still works, using a barclaycard credit card, which hasn't charged me (I understand some CCs like Natwest, Tesco, Creation, Virgin may be charging)

WrS

Fingerbobs wrote: »

Depends where you go. I know at least two of the big UK supermarket chains will allow purchase-with-cashback on a Curve card, and the full transaction amount including the cash goes through as a purchase to the underlying card, and comes off Curve's purchase limits, not ATM limits.

Can you mention which supermarkets have you tried with success? I asked at ASDA last week and the cashier said that cashback option isn't showing with the curve debit card

[Deleted User]

WrS wrote: »

Can you mention which supermarkets have you tried with success? I asked at ASDA last week and the cashier said that cashback option isn't showing with the curve debit card

What was the underlying card?

Fingerbobs

WrS wrote: »

Can you mention which supermarkets have you tried with success? I asked at ASDA last week and the cashier said that cashback option isn't showing with the curve debit card

I would rather not say on the public forum. PM me if you're still interested.

[Deleted User]

Fingerbobs wrote: »

I would rather not say on the public forum. PM me if you're still interested.

It's not exactly secret squirrel stuff...

WrS

!!! wrote: »

What was the underlying card?

Aqua Credit Card (New Day)

[Deleted User]

That could be why then.

I'd be surprised if it goes through with a purchase marker and not a cash withdrawl marker

Fingerbobs

!!! wrote: »

That could be why then.

I'd be surprised if it goes through with a purchase marker and not a cash withdrawl marker

I refer the honourable gentleman to Post #8 in this thread.

Terry_Towelling

Fingerbobs wrote: »

Depends where you go. I know at least two of the big UK supermarket chains will allow purchase-with-cashback on a Curve card, and the full transaction amount including the cash goes through as a purchase to the underlying card, and comes off Curve's purchase limits, not ATM limits.

Card Scheme rules (Visa/MasterCard) always used to state that a Purchase with Cashback must be processed as a purchase, not cash, so there should never be any issue with it being treated as cash by the underlying card issuer.

However because a Purchase with Cashback is not allowed on a credit card in the UK, I would imagine that most supermarket acquirers will have barred them from making such transactions with a Curve card just in case. If any do allow a Purchase with Cashback to be made on a Curve card, users are unlikely to be able to route it to an underlying credit card because a Purchase with Cashback will have a 'Cashback Identifier' in both the authorisation and clearing messages. That alone should preclude the transaction from getting through to a credit card unless the underlying issuer is not properly examining the transaction data - which wouldn't surprise me at all with some of the 'shower' we have in the market these days.

It is also possible that certain supermarkets are not complaint in identifying the Cashback element of a transaction - but I would have expected that to have been jumped on long ago. The only other possibility is if Curve doesn't send the Cashback Indicator to the underlying Issuer but, again, I can't see why they'd do that sometimes and not others.

Stuart_W

I'm happy to clarify that at my local Co-op stores - one Central England Co-op, the other a Co-op Group store - both don't allow cashback on a curve card even when the underlying card is a debit card. It doesn't come up as an option for the cashier to process and they usually say they are confused because they say they have "never seen cashback not offered on a debit card before".

Using the actual underlying card rather than via curve permits the cashback.

Cash withdrawals are now restored for me - seems I had damaged my card, a replacement sorted it.