As with most financial products, there are some fees you may be charged when withdrawing cash using your Curve card:
- Fees relating to foreign exchange
- Fees relating to Curve's Fair Use Policy (read our Fair Use policy here)
Foreign exchange fees
1% fee: When you make withdrawals (or purchases) in a different currency to your underlying bank account, we do the currency exchange for you at a wholesale rate, and we add 1% FX fee to cover the underlying costs.
ATM £2 fee: When you withdraw cash we are charged fees by the ATM network operators and so we charge a £2 flat fee to cover these costs. When you withdraw in the currency of your underlying bank account, Curve cover the ATM costs (subject to fair use policy - see below)
Fair use policy fees
In order to keep our prices low for our users, we have a fair use policy relating to ATM usage where excessive usage may lead to fees.
ATM credit card fair use fee (2%): If you withdraw more than £200 in one calendar month on your credit card, you may be charged a 2% fee on subsequent withdrawals.
ATM frequency fair use fee: If you withdraw cash on more than 10 occasions in one calendar month across any of your cards (credit, debit etc), you may get a 50p charge per subsequent transaction.
Here's a table summarising all the ATM-related fees you may get when using Curve:
Any behaviour which Curve deems to be “cash recycling” whereby a high ratio of cash versus your spend is taken out of an ATM using a credit card and then used to repay the credit card in order to gain rewards on the funding card or Curve Rewards is not permitted (see Fair Use policy for more details).