Why do I need to have a Curve account to use my lovely new Twinn Wearable?
Here at Twinn, we live and breathe making gorgeous payment wearables. We’re not a bank and we don’t want to be one! In the past, to get a payment wearable you would likely have to apply and get approved for yet another pre-paid account and then continuously use top-ups to keep your new wearable active. That’s just too much faffing around in our opinion, so Twinn found a much easier and more secure way to make this work with Curve.
What if I'm already a Curve member?
Then you, my friend, are set and ready to go! All you need to do is download our lovely Twinn App from the relevant app / play store and then follow the super easy instructions to wake up your ring and twin it to your Curve card. Your shiny new Twinn wearable will work exactly the same as your Curve card does, providing exactly the same smart features, wallet of cards and smart rules that you have already setup!
What if I'm already a Samsung Pay + powered by Curve customer?
Presently, due to limitations / issues outside of Twinn’s control all existing Samsung Pay + powered by Curve customers are unable to use these accounts with our fab Twinn products, for which we are sorry and really hope to be able to provide some good news about this soon.
How does SCA work with my Curve Card?
Curve supports Strong Customer Authentication (SCA) to protect your payments and your wearable / card from being continually used without authentication (Chip and PIN / Biometric validation). Once you’ve made a single payment equal to or higher than £100 or the amount of your contactless payment totals £300, your next contactless payment will be declined and you'll need the physical Curve card to make a standard Chip and PIN transaction, before you can continue using contactless again. Depending on the country you are in, there are different values that will trigger the Strong Customer Authentication and you can find the full list by clicking here
So how does Curve work then?
Once you’ve downloaded the Curve iOS or Android app and activated your account, simply start by adding your debit and credit cards into your digital Curve Wallet. Depending on the Curve membership option you choose, you can add up to 5 different cards at any one time and your Curve Card will cleverly act as an interface card for all of them. Link your Curve Card to your Twinn wearable, and now you can pay from any of these cards or accounts with just one beep!
The best part is that with the Curve app, you have ultimate control over your Twinn wearable and your spending habits. You can change your default payment card on-the-go and Go Back in Time® to switch payments from one card to another after you’ve made them. Your Curve card even lets you create Smart Rules to automatically allocate certain payments to certain cards in your wallet. There are competitive foreign transaction fees either, so feel free to rack up those loyalty points using your Twinn wearable whilst you're away from home. All this is with bonus Curve cash-back on top of any rewards you currently get from your standard bank cards.
Curve = Maximum rewards, minimal management and ultimate flexibility.
Of course, there are always some terms and conditions, so make sure you click here to find out more.
What are the differences between the various Curve plans?
As part of your Twinn wearable purchase, we now cover the delivery fee for joining Curve Standard! After you have made your purchase on the Twinn website, we will send you a confirmation mail with a special link that will remove the usual £/€5.99 fee via the Curve app. This means joining Curve Standard is now effectively free for you, thanks to your friends at Twinn :) Should the Curve app not offer a full discount after using the link and you have to pay the £/€5.99 fee, don’t worry Curve will arrange a full refund for this within 30 days via Curve Cash directly into your Curve account.
Please note, if you choose any of the other membership options such as X or Metal you will be invoiced directly by Curve for these on a monthly basis…which is your choice of course.
Check out the main benefit difference as below and please see the Curve website for the full details and any small print my friend :) –
Curve Standard Free - (Charged at £/€ 0 p/m) - Link up to 3 cards. Go Back in Time®: 3 trips back in time on payments up to 30 days old, per rolling 30-day period. Set 2 Smart Rules. Fee Free Cancellation. ATM Withdrawal Fees: Fee free withdrawals up to £200 a month. The greater of (i) 2% of the withdrawal amount or (ii) £2, Fee-free currency conversion up to £250 per rolling 30-day period, then 2.5% in addition to the Mastercard Wholesale Rate (https://www.mastercard.co.uk/en-gb/personal/get-support/convert-currency.html). Foreign ATM Withdrawal Fees: A fee of the greater of (i) 2% of the withdrawal amount or (ii) £2 in addition to the Mastercard Wholesale Rate. Curve Fronted Fee: 2.5% of the transaction amount. Commercial Funding Card Fee: 1.5% of the transaction amount. International Funding Fee: 2.9% of the transaction amount.
Curve X - (Charged at £/€5.99 p/m) - Link up to 5 cards. Go Back in Time® 3 trips back in time on payments up to 60 days old per rolling 30 days. Set 5 Smart Rules. Free Cancellation Fee. ATM Withdrawal Fees: Free up to £300 per rolling 30-day period and then the greater of (i) 2% of the withdrawal amount or (ii) £2. Fee-free currency conversion up to £1,000 per rolling 30-day period, then 2.5% in addition to the Mastercard Wholesale Rate https://www.mastercard.co.uk/en-gb/personal/get-support/convert-currency.html). Foreign ATM Withdrawal Fees: Fee-free currency conversion up to £300 per rolling 30-day period, a fee of the greater of (i) 2% of the withdrawal amount or (ii) £2 in addition to the Mastercard Wholesale Rate. Curve Fronted Fee: 2.5% of the transaction amount. Commercial Funding Card Fee: 1.5% of the transaction amount. International Funding Fee: 2.9% of the transaction amount. Crypto Rewards: Unlimited for 1 token.
Curve Black (Charged at £/€9.99 p/m or 99.90 p/a) - Unilimited Linked cards. Unlimited Go Back in Time® trips on payments up to 90 days old. Unlimited Smart Rules. £/€5.99 Cancellation Fee (charged during the 14-day cooling off period only). ATM Withdrawal Fees: Free up to £500 per rolling 30-day period and then the greater of (i) 2% of the withdrawal amount or (ii) £2. Fee-free currency conversion up to £2,000 per rolling 30-day period, then 2.5% in addition to the Mastercard Wholesale Rate (https://www.mastercard.co.uk/en-gb/personal/get-support/convert-currency.html). Foreign ATM Withdrawal Fees: Fee-free currency conversion up to £500 per rolling 30-day period. A fee of the greater of (i) 2% of the withdrawal amount or (ii) £2 in addition to the Mastercard Wholesale Rate.
Curve Fronted Fee: Fee-free limit of £1,000 per rolling 30-day period then 2.5% of the transaction amount. Commercial Funding Card Fee: 1.5% of the transaction amount. International Funding Fee: Fee-free limit of £1,000 per rolling 30-day period then 2.5% of the transaction amount. Discontinued as of 5th November, all Crypto rewards will be automatically transferred into Curve Cash. 1% Instant Cashback: 3 retailers. Travel Insurance: Terms and conditions apply. Please check the Curve app for further details.
Curve Metal (Charged at £/€17.99 p/m or 179.90 p/a) - Unlimited Linked cards. Unlimited Go Back in Time® trips on payments up to 120 days old. Unlimited Smart Rules. 6 Month minimum term. Cancellation Fee £59.99 (charged during the 14-day cooling off period or if you cancel your Curve Metal during the first 6 months). ATM Withdrawal Fees: Free up to £1000 per rolling 30-day period and then the greater of (i) 2% of the withdrawal amount or (ii) £2. Fee-free currency subject to Curve's fair use policy. Foreign ATM Withdrawal Fees: Fee-free currency conversion up to £1000 per rolling 30-day period. A fee of the greater of (i) 2% of the withdrawal amount or (ii) £2 in addition to the Mastercard Wholesale Rate (https://www.mastercard.co.uk/en-gb/personal/get-support/convert-currency.html). Curve Fronted Fee: Fee-free limit of £3,000 per rolling 30-day period then 2.5% of the transaction amount. Commercial Funding Card Fee: Fee-free limit of £1,500 per rolling 30-day period, then 1.5% of the transaction amount. International Funding Fee: Fee-free limit of £5,000 per rolling 30-day period then 2.5% of the transaction amount. Discontinued as of 5th November all Crypto rewards will be automatically transferred into Curve Cash. 1% Instant Cashback: your choice of up to 6 retailers chosen from over 150 retailers. Travel Insurance: Terms and conditions apply. Discounted Loungekey Access for Curve Metal cardholders and their friends & family. Please check the Curve app for further details.
How do I change what type of Curve account I have and the related costs?
Look no further, you can do it from the Curve app
To downgrade your subscription:
1. Open your Curve app.
2. Head to the "Account" tab.
3. Tap the "Manage your plan" section
4. Scroll all the way down and tap "Downgrade your plan"
5. You'll be redirected to our chatbot
Once you've been directed to the chatbot, you'll need to choose the following path: My account > Downgrade subscription > the reason for your downgrade. If you still want to downgrade your account, you'll be redirected to our Customer Support and we'll be able to fulfil your request!
What do I use the Curve app for?
Basically, for all the stuff we talked about above! Keeping it simple, the Curve App allows you to manage your Curve card account and therefore, your Twinn payment wearable. You can view your Curve Cash rewards, add or remove your bank cards, manage all your personal details, view your bank account balances and even upload all your loyalty cards for a one-stop-shop. The Curve app also has a neat My Money section, which gives you insight into how you spend your money not just across one bank card, but all of your bank cards and accounts, to keep that budget in check!
Do I need an existing account from a bank or card issuer to use Curve?
Indeed you do, my friend! The best part about your Twinn wearable is we've streamlined the process and tried to avoid adding yet another bank account to your list. Instead, Curve uses your existing cards and provides you a one-stop shop to view and manage all your bank accounts. You'll save you on additional admin work plus onboarding is faster with none of those nasty credit checks.
Do I get a real card from Curve as well?
Absolutely. But better than that, you will get a FREE real card from Curve to use! We cover this for you as part of your Twinn wearable purchase, call it a thank you for joining our Twinn community! Your physical card will be posted out to you directly in a few days, but in the meantime, you can still spend on your Twinn wearable and access all your card details which are securely stored in the app.
Who is Curve and why do Twinn discount me the cost of the delivery for Curve Standard from my order total?
We tried to jazz this bit up for you, but we also want to make sure you feel protected, so you can find all the important legal stuff a bit further below.
Before we get into that though, let us tell you about the really good bit!
We want to make your Twinn payment wearable purchase as easy as possible for you, so we cover the delivery costs of the Curve Standard account and card cost by the way of an automatic discount when you purchase your Twinn Wearable. :)
Ok, so now that’s all clear – here’s the fun legal stuff. It's important for you to know that we take pride in our partnerships and we choose our Twinn partners carefully! Curve is a financially regulated and managed business and here's their spiel to prove it.
For the UK.
The Curve Card and the E-money related to these cards is issued in the UK by Curve UK Limited, authorised and regulated by the Financial Conduct Authority to issue electronic money (firm reference number 900926). Curve UK Limited is registered in England and Wales, United Kingdom (company reference number: 09523903) and located at 1-10 Praed Mews, London, W2 1QY. Curve is authorised to issue e-money by the Bank of Lithuania (located at Gedimino ave. 6, LT-01103, Vilnius, Lithuania, telephone no. +370 800 50 500. More information about the Bank of Lithuania is detailed by this link https://www.lb.lt/en/) (licence No. 73 issued on 22 October 2020). Curve Europe UAB, registered in the Republic of Lithuania with company number 305626541 and located at Konstitucijos pr. 21B, LT-08130 Vilnius.
