I’ve just taken a look at the Curve app and it doesn’t seem so bad to me.
The Wallet tab looks same/similar to before (and similar to Monzo’s old carousel layout). The Launchpad tab won’t win any beauty contests, but seems functional. Probably if they presented the contents of the Launchpad tab as a list rather than as a grid, and perhaps used a different background wallpaper, people wouldn’t be mocking it.
Hehe so tldr is it doesn’t look too too bad but if it didn’t look so bad people wouldn’t be taking the piss so much? 
I guess I wonder why anyone even cares. The launchpad seems to me to just be a series of links presented as a grid (which makes it look a bit old fashioned) rather than as a list. But is just as functional.
I have a curve card but it hasn’t worked since i had to update my card in their app. I cant use my samsung app. I don’t know why. I was told a while ago to get in touch with them but their response is very slow. I still cant use the card and app now
It brings Curve’s total Series C figure to more than £133m, with the latest round securing investment from the venture division of Microsoft co-founder Paul Allen’s Cercano Management.
In total, Curve has raised £208m.
Mindboggling lifetime capital raised. How much is Curve valued at?
The company said it will reveal a partnership with a “payments giant” at the end of the month.
PayPal.
They’ve been promoting it in the app to link your card to them.
Actually just like American Express before it looks like PayPal is doing the exact same thing.
I know it’s only for the people that use PayPal Credit via Curve but it’s definitely not a good look for Curve.
Is this UK only, or everywhere?
Sounds like somebody managed to game it.
Either of points / cashback, or simply using credit to pay off credit and thus effectively execute a balance transfer.
Debt provisions probably went through the roof.
Or the FCA said no.
UK only as of right now.
Not sure I understand the point of this integration if you can’t use PayPal credit. Spending via debit/credit cards linked to PayPal doesn’t bring anything new as they could already be directly linked to Curve. That just leaves PayPal balance as a new spending source made available by this integration. I guess that’s something, but do lots of people maintain a PayPal balance that they want to spend from (instead of keeping that money in their bank)? 
If so, why?
How long was it available? If only a couple of days I guess it’s possible that the intention was always for it to be unavailable to Curve, with an error in the API making it available.
.
Think a week or two.
PayPal might have intervened and thought buying a loaf of bread on PayPal credit was irresponsible.
Loads of potential reasons to be fair.
Guess we will never know, but another poor show on Curve part.
I guess I see this one as more likely PayPal’s fault than Curve’s fault. They could have simply made a technical error in making PayPal credit available to Curve through their API. Alternatively, if it’s a policy change, whatever has led to that decision presumably could have been foreseen prior to this integration going live.
Given the history with people using credit cards to buy premium bonds etc via curve and pay for credit card bills because the merchant code has not been passed through correctly I would imagine someone found an exploit.
I recall people even being able to pull cash from a credit card and it wouldn’t tag it as a cash withdrawl because of the code not being passed through correctly and then there was the whole premium bonds being purchased to get credit card hotels/airmiles because the code was not passed through properly.
Could be section 75 claim too?
As in PayPal Credit becomes liable for it but was not before?
Also not sure if PayPal Credit by itself even without curve already falls under it or not.
Could be wrong, but section 75 would only apply if PayPal credit was taken at the time of purchase from the merchant IE it’s a payment option from the merchants website directly.
A bit like taking a loan from Lloyds to purchase a car from Ford, no section 75 here.
But it took out the loan from the Ford website for the car, you’d be covered.
When you use a credit card through curve or credit you lose section 75 protection.
Probably related to new FCA rules relating to promotion of crypto assets. Some other firms are opting to halt crypto rewards programs too. e.g., I received the following in an email from Nexo…
In alignment with the U.K.'s Financial Promotions Regime, set for October 8, 2023, and its focus on enhanced consumer protection – a principle Nexo has integrated into its operations, especially at a time when some entities have opted to halt their U.K. operations – we are instituting the following modifications by phasing out the following products only for Nexo’s U.K.-based clients:
Referral Program on October 8, 2023.
Cashback for Nexo Exchange and Nexo Card transactions on October 8, 2023.
