CONFIRMED: Curve Debit Card Fee To Be Introduced

curve 1.5% debit card fee hmrc payments

News seems to have been hitting the internet over the past couple of days about Curve – that they are potentially adding fees when using a debit card as the funding card for Curve spending. The Curve debt card fee was published on the Curve site on Thursday 21st November but has since been removed. Now, only a few hours ago Curve have confirmed the debit card fee by updated their site with the following information (bold added for emphasis):

This is a service provided by Curve that enables you to make payments using you Curve Mastercard® Debit card, funded by an underlying credit card in instances where credit card payments may not be available at the merchant. At the moment, the only type of transaction that falls under this category is payments made to HM Revenue & Customs (HMRC).

For customers who sign up from the 25th of November, 2019, if you wish to use your credit card to fund these type of payments through Curve, the following charges apply:

  • For Curve Blue (free) and Curve Black customers (including Curve Black Legacy users), you will be charged 1.5% of the amount of the transaction. There is no charge for Curve Metal customers.
  • If you signed up to Curve before the 25th of November, 2019, these fees will apply from the 24th of January, 2020.

Join Curve by downloading the app. Register using promo code K7ADL for £5 credit to be added to your account. Remember to enter the promo code after downloading the app to receive the free credit.


How The Curve Debit Card Fee Will Impact You

Paying HM Revenue & Customs (HMRC)

You can avoid the 1.5% debit card fee by becoming a Curve metal card holder. Only Curve Blue (the free card) and Curve Black customers (including Curve Black Legacy customers) will be charged the 1.5% fee.

There is no denying that this change will have a significant impact to those using Curve to pay HM Revenue & Customs (HMRC) tax bills. HMRC no longer accept credit card payments, so using a Curve card was a great way to pay a HMRC bill and recharge this to an underlying credit card – while at the same time earning tons of points.

On the plus side Curve have issued this statement 2 months ahead of the change, as for existing customers this will take effect from 24th January 2020. Too many times in the points game changes happen overnight, especially with hotel loyalty schemes, so this is nice to see. Hopefully Curve will be totally transparent with their customers, or at least the ones who have paid HMRC using their Curve card in the past, by sending out an email.

Other Merchants

Curve have already cleared up on the original communication. On Thursday 21st November the change mentioned An example of this type of transaction is payments made to HM Revenue & Customs (HMRC)”, now this reads the only type of transaction that falls under this category is payments made to HM Revenue & Customs (HMRC)”.

Huge payments to HMRC are expensive for Curve to process so I expect in future for this list to increase as they review common and high value payments. Curve have also mentioned that the fees will apply when making payments “funded by an underlying credit card in instances where credit card payments may not be available at the merchant”. Curve have no way of checking if the merchant accepts credit card payments in their stores, as it is often the case the in-store and online payment methods different at the same merchant. If the debit card fee list increases I would expect this to be for merchants where payment is processed online, similar to HM Revenue & Customs (HMRC), as these payments are usually made when at home or in the office so does not break the Curve “all in one” business model.

This debit card fee only impacts payments to HM Revenue & Customs (HMRC).

comparison of curve cards against the curve metal card

Debit Card Fee FAQs

Curve have published the following frequent asked questions relating to the debit card fee that will start to be imposed for HMRC transactions.

For which transactions will the Debit Fronted Credit fees apply?


Join Curve by downloading the app. Register using promo code K7ADL for £5 credit to be added to your account. Remember to enter the promo code after downloading the app to receive the free credit.