Curve card retailer cashback

abracadabra707 · 29 November 2019 at 8:43PM

Hi all, I recently got a curve card. I’ve linked it with a credit card and was wondering if anyone has tried getting cash back at the till at retailers like Tesco, m&s etc Normally you can only get cash back with debit cards. I understand that there’s a 200£ monthly limit on ATM withdrawals but was wondering if a retailer transaction which was part cash back would be coded in a way that curve or the underlying credit card company could identify and block or charge extra fees for it.

Chino · 29 November 2019 at 9:11PM

abracadabra707 wrote: »

but was wondering if a retailer transaction which was part cash back would be coded in a way that curve or the underlying credit card company could identify and block or charge extra fees for it.

I don't know but, according to Schedule 2 of Curve's Terms of Service:

Cashback/ cash advance not permitted

Ben8282 · 29 November 2019 at 9:35PM

What has this got to do with stoozing?

abracadabra707 · 30 November 2019 at 12:21PM

Sorry please move to the appropriate area. Thanks.

MallyGirl · 30 November 2019 at 1:50PM

abracadabra707 wrote: »

Sorry please move to the appropriate area. Thanks.

I have moved it to the general credit card section

Stuart_W · 1 December 2019 at 10:08PM

In some places you can get cashback using curve, on others you can't.

My local Morrisons allows it, whereas my local Co-op doesn't.

I think it depends how cashback is processed by the retailer. I thought that a debit card is a debit card and cashback is provided at the retailer's decresion, and nothing to do with if the card provider offers it - but not the case.

The couple of times I tried it at my local Co-op it caused confusion as they said they'd never seen a debit card before that didn't offer cashback.

Of course if this is an option the card provider can restrict, no "normal" debit card would want to prohibit it, and generally speaking banks are going to be all.in favour of a retailer providing a cash withdrawal service for one of their customers at zero cost rather than having to fork out for a cash machine withdrawal. Curve though, isn't normal.

As systems get updated and upgraded I imagine more retailers will not allow cashback with curve when "computer says no".

Where you can get cashback via curve, it is counted as a purchase so doesn't contribute to any monthly cash limits.

The_Urbanite · 2 December 2019 at 2:23AM

Curve is cashback enabled and I have used this function. These transactions show up in the app as ATM transactions so I presume no Curve Cash would be paid if you did this at Tesco or the like.

Penelopa.Pitstop · 2 December 2019 at 8:38AM

I rencetly tried to get £3.40 from Curve Cash Rewards. Set up app to Curve card, topped up Amazon for £3.40 and after two days transaction showed up on credit card I used last time. So Curve defaulted to previous card, instead of taking money from Cash Rewards.

Curve support said that I have to set it up to Curve Card, which I did. Didn't get any further response to that. Don't want to try again and spend another £3.40 from credit card, rather then spend money from Curve.

I hardly ever shop in store and it would be tricky to spend exactly £3.40, just to use this money.

Anyone else had problems with Curve defaulting to previous card when trying to use it for Amazon top up?

T-G-C · 2 December 2019 at 1:17PM

If the terminal sends an MCC code to Curve which is blanket prohibited, a declined response will be returned. However, if an MCC code is not blanket banned, the next decision lies with the card issuer who is being used in the background.

Whether or not an MCC code pertaining to a cash advance / cashback is used falls with the merchant.

NCR-enabled POS software RETAIL X used by two of the large supermarket brands in the UK perform a check on the EMV chip and if this is a green light; it generates two separate charges - one for the groceries, the other for cashback and thus two separate MCC codes.

You should set the expectation of not being able to use Curve to evade cash advance charges and interest on a credit card, as firstly this is prohibited and secondly there are mechanisms in place to ensure that all transactions are correctly identified, wherever possible.

zerog · 3 December 2019 at 6:58PM

Most credit cards will allow you to withdraw cash via Curve and treat it as a purchase. Tesco and Natwest seem to be the main exceptions so far. Just use an ATM and don't bother with supermarket cashback.

This may change on 25 January.

Never had a problem with Curve cash. I use it to top up Oyster.

jcontest · 2 January 2020 at 6:40PM

Penelopa.Pitstop wrote: »

I rencetly tried to get £3.40 from Curve Cash Rewards. Set up app to Curve card, topped up Amazon for £3.40 and after two days transaction showed up on credit card I used last time. So Curve defaulted to previous card, instead of taking money from Cash Rewards.

Curve support said that I have to set it up to Curve Card, which I did. Didn't get any further response to that. Don't want to try again and spend another £3.40 from credit card, rather then spend money from Curve.

I hardly ever shop in store and it would be tricky to spend exactly £3.40, just to use this money.

Anyone else had problems with Curve defaulting to previous card when trying to use it for Amazon top up?

I go shopping a few times a week so it's not an issue for me.
But most shops will split a payment between more than one payment method, so you could ask them to take £3.40 from that card and then use another card/cash to pay the rest of the bill.

Mine is up to only £6.85 and I have never used it. What I do know is that you must keep the payment option set to the type you need until the payment is processed. So if it wasn't instant with the Amazon card that could explain it.

Curve card retailer cashback

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