# Curve Fronted

> Curve Fronted empowers you to pay with your Curve debit card by using an underlying credit card in situations where the merchant wouldn’t normally acce...

Source: https://curve.kustomer.help/en_gb/curve-fronted-rkuEB_2Iu

Last updated: 2026-02-25T13:56:32.855Z

**In this article**

*   [What is Curve Fronted?](#what)
    
*   [How do I turn Curve Fronted on / off?](#activate)
    
*   [Which transactions use Curve Fronted?](#transactions)
    
*   [I shouldn’t have been charged the Curve Fronted fee](#fee)
    

## **What is Curve Fronted?**

Curve Fronted empowers you to pay with your Curve debit card by using an underlying credit card in situations where the merchant wouldn’t normally accept credit cards.

The 2.5% service fee helps us cover the costs of those transactions so you can take advantage of this feature and keep your spending records in one place. The fee is charged instantly – the total sum along with the fee will be displayed in the ‘Wallet’ tab under the same transaction.

Curve Pay Pro and Curve Pay Pro+ customer have a fee-free limit on Fronted transactions:

*   Curve Pay Pro customers aren't charged a fee for the first £1,000.00 they spend per calendar month via these types of transactions **(we charge a 2.5% service fee on the total transaction value in excess of the limit)**.
*   Curve Pay Pro+ customers aren’t charged a fee for the first £3,000.00 they spend per calendar month via these types of transactions **(we charge a 2.5% service fee on the total transaction value in excess of the limit)**. 
    

Also, you won’t be able to earn Curve Cash with Curve Fronted transactions. 

Fronted fees and Fronted fee-free limits are calculated and charged based on Coordinated Universal Time (UTC).

❗️ Please note, making changes to your subscription won’t reset your fee-free spending. Any spending you’ve already done will count toward your new fee-free spending limit.

## **Curve Fronted spending limits**

Curve Fronted transactions will be subject to the same general spending limits as visible in your Curve app (there are no separate spending limits for Curve Fronted). Curve may set additional controls and limits to manage the risk, particularly with respect to cash recycling, financial vulnerability due to perpetuating debt, money laundering, fraud or security concerns.  
  
In case you need to increase your Curve spending limits, please get in touch and we’ll give you a hand.

##   

## **How do I turn Curve Fronted on / off?**

Curve Fronted is an opt-in feature, so **if you have a Curve debit card**, you can turn it on or off whenever you want. To do this, open the “**Fronted**” applet within the “**Launchpad**” tab, third row down and tap the toggle to turn Curve Fronted on or off.

**For Curve Credit card holders**, it’s a bit different. Instead of turning Curve Fronted on / off, you’ll be able to generate a one time use debit card to be used to make purchases using Curve Fronted.

To generate this card, open the “**Fronted**” applet within the “**Launchpad**” tab, third row down and tap “**See card details**”. Then enter the card information visible on the next page when making your purchase.

## **Which transactions use Curve Fronted?**

There are **four types of transactions that use Curve Fronted and can be charged** a fee for when using a credit card to make the payment:

1.  **Taxes or government payments** – e.g.: 
    
    *   HMRC – If you're planning to make payments to government agencies you should be aware of the rules and restrictions they may have in place. You can find further information about their accepted payment methods on their websites. 
        
    *   National Savings & Investments
        
    *   DVLA Vehicle Tax
        
    *   Student Loan Payments
        
2.  Transactions falling under **MCC 6012**, i.e.:
    
    *   Paying credit card bills
        
    *   Loans or mortgages with an underlying credit card selected in the Curve app
        
    *   Purchasing financial services or products from banks, Credit Unions, Deposit Takers
        
    *   Purchasing foreign or non-fiat currency such as cryptocurrency, traveller's cheques or money orders
        
    *   Purchasing store value cards such as prepaid cards
        
3.  Transactions falling under **MCC 6051**, i.e.:
    
    *   Crypto and Money Transfer services
        
    *   Loan & Debt repayments 
        
    *   Mortgage companies (not money transfer, non-financial institutions)
        
    *   Quasi Cash
        
4.  For EEA customers only - transactions made with an EEA-issued payment source falling under **MCC 7995**, i.e gambling related transactions:
    
    *   Betting and Casino Gambling
        
    *   Online casino
        
    *   Lottery
        
    *   Wagers
        

❗️**Just a heads up:** Your underlying card issuer may charge you separate fees for making such transactions or ATM withdrawals, and Curve is not liable for such fees. Please refer to the terms and conditions of your bank **before** attempting a Curve Fronted transaction.  
  
These types of transactions remain free when you pay with an underlying Debit Card. 

## **Curve Fronted outside the UK**

Customers outside the UK will be subjected to the same 2.5% fee if they choose to pay a credit transaction with a credit card to a merchant with the MCCs mentioned above.

## **I shouldn’t have been charged the Curve Fronted fee**

Has an incorrect fee been applied to your payment? You can have it refunded by using the ‘Go Back in Time’ feature to move the payment to an underlying debit card. If you move the transaction to another credit card, you may be charged by your credit card issuer.  
  
Also, in case the payment you made is more than £5000, please get in touch with us and we’ll be happy to look into this for you! **This must be done within 30 days of making the payment.**