Anyone else got a “card declined” recently when using a Curve card on monzo.me? It used to work fine, even a couple of weeks ago.
There is no decline from Curve or from the underlying card. Transaction was approved by 3DS, and no decline or even an attempt shows up in Curve, which means the merchant (Monzo.me) hasn’t claimed the funds (it only requested authorization via 3DS).
No monzo.me limits exceeded either (error message would have been different)
You using credit card backed to curve? Or debit card?
The card other end may have declined the transaction.
It’s a debit card, and the underlying card or Curve itserf did not decline the transaction because that would have shown up in my Curve as declined (there is neither a decline nor an attempt showing in Curve, which means the merchant monzo.me hasn’t claimed the funds, but only requestd auth)
As i was saying, it’s curve card (british) which worked two weeks ago. No limits were exceeded (neither mine nor the receipient’s), the error message would have been different.
I’m interested in hearing from those who tried monzo.me with a curve card recently
I just tried it.
My card was declined too.
Very annoying.
Still fails for me and seems i’m not alone. Tried different amounts, even £1, and also different underlying debit cards. “Sorry, your card was declined”
Be sure you don’t have curve fronted on, and no smart rules switched on that may say <£25 use Amex or similar.
Once again, if Curve was to decline the transaction then it would show as declined in Curve, which I explained it doesn’t. Also, Fronted kicks in only when a credit card is linked, not when a debit card is linked, and Fronted doesn’t prevent any transactions anyway (the most it can do is charge a 1.5% fee).
I changed nothing in my Curve, and yet monzo.me stopped working for me this week after it worked fine for almost 2 years.
I’m curious to hear from more Curve users trying monzo.me these days. If Monzo banned my Curve card in particular then it seems I’m not alone (would have expected some message from Monzo about it; I’ll contact them after some more feedback from Curve users).
I tried it earlier today and it was fine.
Have you gone near your monzo.me limit ?
Sounds like you just want to come here and ignore other responses to confirm no issues, so it’s solely you at this stage.
Speak to curve, check your monzo.me limits, if not, just use the underlying card directly and see if that is where the issue is.
You also haven’t shared who the underlying debit card is?
To add, just tried my monzo.me and it worked fine via Curve, both credit and debit underlying cards.
Again, looks like you’ve ignored the relevance to the conversation and just continued trolling.
Good luck with your search for answers you choose to ignore 
Your interventions showed you don’t really understand how Curve or payment systems work and, ironically, were not really relevant, but thanks for your personal assessment and good luck wishes. Take care now.
What does using Curve achieve? What if you use the same card without Curve, does it work?
have you said what the underlying card is?
I came to post about this but then saw this thread. My Curve card also started being declined all of a sudden with “Sorry, your card has been declined”. My wife’s too! It worked fine exactly 1 week ago. It also doesn’t seem to matter which recipient (though we only tried two different ones). No limits exceedeed.
The decline is defintiely from Monzo and not from Curve, as it’s after 3DS authorisation but no amount is claimed by Monzo from Curve as no transaction attempt shows in Curve. OP is correct in their messages here. Doesn’t matter which kind of underlying card it is, and that’s irrelevant anyway, as Monzo can’t tell which card you have linked in Curve, it only sees the Curve debit card … I don’t know why some people here insist on that.
@MrSands when did it work for you last before failing? Given one person here showed it worked for them, I’m starting to suspect that Monzo may have banned some particular Curve cards.
However, Monzo may have intended to block all Curve cards, but did not succeed (yet) because Curve has used a few different batches of cards, not all starting with the same digits. It may be that @MrSands, OP, me, my wife are using Curve cards from the same batch blocked by Monzo, but @walderston uses a Curve card from a different batch that Monzo hasn’t blocked yet … yes, I’m aware I’m essentially giving Monzo a heads up if that’s the case (but it would end there eventually anyway).
@walderston is your Curve card starting 5375 90 or 5375 91 or something else?
There is no transaction attempt showing in Curve in my case (maybe there is in yours). In the past I have reported such incidents to Curve, and every single time Curve explained that if there is no transaction attempt showing up in Curve (as declined/unsuccessfull) then it means the merchant did not actually claim any funds from Curve after the 3DS authorisation was passed, and that what happened is either the merchant cancelled the transaction or their payment processor did or their acquiror did. It was not on Curve’s end and there is nothing Curve can do, and I was joyfully asked to contact the merchant.
FYI: Curve takes a median of about a month to reply as well
No, because if the underlying card denies it would show as “declined” in Curve.
It’s after, as explained by OP and myself.
As explained, if the decline comes from the underlying card then it shows up in Curve as a declined transaction. That’s how Curve works. As long as that doesn’t happen, it doesn’t matter which underlying card is used in Curve, as Monzo is oblivious to it. Also, we tried underlying cards that worked just fine a wek ago on monzo.me but don’t any more all of a sudden (OP reported the same). may be too early to tell, but if I had to guess, my money would be on a wider block from Monzo - interested in an answer from @walderston to my question above about his Curve digits
I last did it in May with no problems.
