Curve Cash is a loyalty scheme that allows you to earn cashback while spending with your Curve Card. It consists of a variety of cashback programs, and you can benefit from more than one program at once:
- Welcome Cashback – earn 1% cashback on almost every purchase made with your Curve Card for at least your first 30 days with us.
- Curve Cash program – pick 3-6 favourites from a list of over 100 popular retailers, including Amazon, Deliveroo, TfL and more. Each purchase at your chosen retailer will give you 1% cashback.
- If you've signed up to Curve before February 16th 2018, you might be on our old cashback scheme, which you can read more about here.
When spending at your selected retailers, you'll receive cashback points on your Curve Cash card as soon as the transaction is complete and the money’s been taken from your account:
- One Curve Cash point is equivalent to one pence (GBP). So 100 points = £1.00.
Your Curve Cash points have no monetary value themselves and are converted to e-money only when you spend them with your Curve Card (see our Terms of Service).
You can see your balance in either Curve Cash points or GBP. Just tap the balance on your Curve Cash card to switch between the two.
Earning Curve Cash points through referrals
Did you know that you can earn Curve Cash points by referring your friends and family to Curve? Whenever you refer someone, we credit £5 to their Curve Cash card and £20 to yours!
There’s no catch, but some rules apply:
- Both you and your friend have to make three successful transactions with your Curve Cards.
- The three transactions have to be made within 21 days of applying the code to your accounts and must be worth at least £20 in total (or its equivalent in your local currency). It's worth remembering that we process the referral bonus in two separate payments:
- The first of £5 when you both make your first transaction of any amount.
- The second of £15 once you both spend £20 over 3 transactions in 21 days.
Earning Curve Cash points through promotional codes
You can earn Curve Cash using a promo code link offered by one of our partners. If you’ve used a valid link while creating your account, you should receive your bonus within 3 days of making your first transaction with Curve.
In case you experience one of the following issues, please contact us to let us know what happened, including any relevant information:
- You forgot to use the referral link your friend gave you.
- You didn’t receive Curve Cash for using a referral link.
- You used a promo link and didn’t receive your bonus within 3 days.
- You’ve used either a referral or a promo link and ordered a physical card, but your card delivery seems to be delayed.
We’ll make sure we look into it!
You can spend your Curve Cash points almost anywhere you like. 💸 Just remember:
- You can’t withdraw your Curve Cash at an ATM (but you can select any other payment card from your Curve Wallet to do so), nor can you transfer it to another person via Curve Send.
- You can’t redeem your Curve Cash points for actual cash.
- To complete a transaction using your Curve Cash, you need to have enough Curve Cash points to cover the entire transaction (otherwise it will get declined).
- Your Curve Cash points expire after 6 months.
I’d like to change my cashback program
If you’re currently using our older cashback scheme and want to switch to our Curve Cash cashback program, we can do that for you. It’s a one-way ticket though, and if you change your mind, we won’t be able to move you back to your old cashback scheme.
So if you’d like to make the switch, please get in touch with us and we'll see what we can do.
What happens to my Curve Cash if I get a refund?
If you’ve used Curve Cash to make a purchase, it will be refunded directly to your Curve Cash account.
If you get a refund on your purchase at one of your Curve Cash merchants, we’ll deduct the points you earned for that transaction from your Curve Cash balance.
Is my Curve Cash points balance covered by the Financial Services Compensation Scheme (FSCS) or the Deposit Insurance Fund?
The Financial Services Compensation Scheme (FSCS) protects UK customers from losing certain types of their money if authorised financial services firms go bust. If you’re a European Curve customer you might expect to be covered by a similar scheme called the Deposit Insurance Fund.
E-money isn't something that the FSCS or the Deposit Insurance Fund protects.
Rest assured, your e-money is always kept separate from our own and from your Curve Cash points. This is known as safeguarding, in case we become insolvent. This also applies to any funds we hold for pending transactions, refunds, and reversals.
If Curve went bust, you should get your money back, uncapped. The only loss you would possibly incur is the cost of administrators appointed to return your money, which will be distributed fairly across all customers. Unfortunately, having administrators involved may mean this would take longer than 7 days.
Curve is designed so you don’t need to load or keep your money locked into Curve – that’s in your bank where you can trust it’s safe. Curve transfers funds out of your funding account or bank just in time, and only the amount required to complete the transaction is withdrawn. But we do hold funds within features like Curve Cash. And in those situations, your money is protected like any other E-Money Institution (EMI).
To ensure we never hold too much of your hard-earned money, we have developed Curve Cash Auto-Spend, which ensures that any money we do hold for you, on your Curve Cash card, is used before your other funding sources – minimising how much funds we hold on your behalf.
The Curve Card, the Samsung Pay + card and the E-money related to these cards are issued in the UK by Curve OS Limited, authorised in the UK by the Financial Conduct Authority to issue electronic money (firm reference number 900926). Curve OS Ltd, registered in England and Wales, United Kingdom (company reference number: 09523903) and located at 15-19 Bloomsbury Way, Holborn, London, United Kingdom, WC1A 2TH.
The Curve Card and the e-money related to cards issued in the EEA are issued by Curve Europe UAB, authorised in Lithuania by the Bank of Lithuania (electronic money institution license No. 73 issued on 22 October 2020). The Curve Card and Samsung Pay + card are issued pursuant to license by Mastercard International Inc. Mastercard® is a registered trademark of Mastercard International Incorporated. Curve Europe UAB, registered in Lithuania (company reference number: 305626541) and located at Jogailos g. 9, LT-01116 Vilnius.