Curve Debit Card Fees For Government Payments

curve metal card colours

Last week we covered when Curve announced they will be applying fees for using debit cards for specific payments. This was big news on several travel blogs and it appeared that many Curve users were frustrated with the changes. Curve have now cleared up where users will be subject to a debit card fee, what they call “debit fronted credit”, but it’s worth remembering that this fee can be avoided if you are (or upgrade) to a Curve metal card. The Curve debit card fees only apply to Curve Blue and Curve Black cardholders. If you’re planning on making a large payment to one of the following government bodies it could be worthwhile to upgrade to Curve Metal first.

The only good part about these fees (if you can say that) is that Curve have been extremely open about the fees. Information was published on the Curve site and users have been emailed of the changes, well ahead of time (not like the huge Best Western devaluation that hit without warning).

Curve are passing on the fees to the cardholder who are making payments using their Curve card linked to a credit card as the funding source. Larger payments, specially those made to HM Revenue & Customs (HMRC), are being targeted, along with the following government bodies:

  • National Savings & Investments
  • DVLA Vehicle Tax
  • Student Loan Payments
  • HM Revenue & Customs (HMRC)

If you accidentally pay with a credit card as your Curve funding card you can use the Go Back in Time feature to switch the payment to a debit card without incurring the fee.

How To Avoid Curve Debit Card Fees

To avoid the Curve debit card fees when paying to the above mentioned government bodies you can upgrade to a Curve Metal card. This level of Curve membership costs £14.99 per month, but also comes with heaps of other benefits such as travel and gadget insurance, hire car collision damage waiver insurance, and even lounge access through the LoungeKey scheme. Based on the payments you make to these government bodies you need to work out if these benefits plus the fact you will save on the 1.5% fee works in your favour.

  • For customers who signed up to Curve before 25th November 2019, these fees will apply from the 24th January 2020.
  • For customers who signed up to Curve after 25th November 2019, Curve Blue (free) and Curve Black customers (including Curve Black Legacy users), will be charged 1.5% of the amount of the transaction.
  • Curve Metal customers regardless of sign up date will pay no charge.

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.


comparison of curve cards against the curve metal card

Curve Debit Card Fee FAQs

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

How is the fee legal when surcharges are banned in the EU?


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.


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