Curve Fair Use Policy

Version: 18.5.2017

At Curve our ambition is to be your gateway to everything money giving you more choice and saving you money. However there are certain services which are expensive for Curve to provide due to third party fees. For these services we have a monthly free usage limit which if passed will result in a small but fair fee to cover costs. This helps keep Curve free to use for the majority of our users.

For further information please see Curve Terms and Conditions (which includes definitions for terms used below) and Curve FAQs.

ATM credit card withdrawal fair use

You can withdraw up to £200 (or currency equivalent) for free using your credit cards per calendar month after which there is a 2% charge. This limit does not apply to ATM debit card withdrawals.

Our platform uses third party systems to identify whether the Funding Source is a debit or credit card. If you believe your card has been incorrectly defined you should contact us at: where you will be required to provide evidence as such in order for your case to be investigated.

ATM domestic frequency fair usage

ATM usage is free for up to 10 domestic (withdrawals in the same currency as your Funding Source) withdrawals per calendar month after which time you may be charged £0.50 (or currency equivalent) per usage for each additional ATM withdrawal.

Cash recycling

In addition to the fees listed above, any behaviour which Curve deems to be “cash recycling” is not permitted. This is where high volumes of cash (e.g. defined by a high cash to spend ratio) are taken out of an ATM using a credit card or other payment card, and then used to repay the card in order to gain rewards on the funding card or Curve Rewards. Depending on the account activity, “high volumes of cash withdrawals” could include spending which is under £200/ month as it will be assessed on the volume and frequency of ATM withdrawals compared to non-ATM spend. Any other equivalent usage which the Curve Compliance Team believes aims to achieve the same outcome, for example via the use of money transfer services, is also not permitted. Such behaviour may result in your Curve account being blocked or cancelled. See Section 6 of Curve Terms and Conditions for further information.