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Referral Offer Terms

Version 6 - 8 July 2025

The Referral Terms

  1. We are offering our existing customers the opportunity to earn Curve Cash Points as a referral reward (the “Reward”), by referring someone (the “Invitee”) to sign up for a Curve account (the “Referral Offer”) on the terms set out below (the “Terms”). 

  2. Existing users who receive an invitation to participate in the Referral Offer by way of email, notification or through the Referral applet in the Curve Launchpad (either, the “Referral Invite”) will be eligible to participate.

  3. The Referral Offer will be open for a specific period of time, as stated on the Referral Invite (the “Offer Period”) and below.

  4. You will only earn a Reward if you and the Invitee meet all the criteria specified in the relevant Referral Invite during the Offer Period.

  5. The terms that apply to each Referral Offer are made up of these Terms and the information contained in the Referral Invite (the “Referral Terms”).

  6. You must comply with the Referral Terms and the Terms that apply to your Curve account at all times when participating in the Referral Offer.

  7. The denominations within these Terms will be respective of your region i.e., if you are an EEA Curve customer, your Reward and requirements will be in EUR and if you are a UK Curve customer, your Reward and requirements will be in GBP. 

  8. Offer Period: 00:00:00 GMT on the 1st June 2025 until 23:59:59 GMT on the 31st October 2025.

(a) How it works

  1. During the Offer Period you will need to invite a friend to join Curve by using the ‘Refer a friend’ button in your Curve Launchpad. We may set limits on the number of friends you can invite to join Curve, this will be confirmed in the Referral Invite. If you exceed the maximum number of referrals as set out in the Referral Invite (if any), you will not receive a Reward for these additional Invitees, even if they complete the relevant steps successfully. 

  2. The Invitee must successfully sign up for a Curve account using your unique referral link and complete the steps which will be set out in the Referral Invite. If the Invitee has previously signed up for a Curve account, or they do not complete the steps set out in the Referral invite or they reverse any of the steps taken (for example if they cancel their card order before it arrives), you will not earn a Reward.

  3. The amount of the Reward will be confirmed in the Referral Invite.

  4. You and the Invitee may be required to complete a certain number of transactions on their Curve card to earn a Reward. The transactions must be a genuine purchase - for example, money transfers, ATM withdrawals, gambling transactions, currency exchanges, and tax payments are not valid. 

(b) What do you need to do? 

You must complete the steps below to be eligible for the reward:

  1. Invite someone who has not had a previous Curve account to join Curve. This can be done via your unique referral link within the “Invite & Earn” Applet on your Curve launchpad. 

  2. You will have a draft message containing your referral link. You can change this message before sending it to your invitee(s). Please be careful not to remove the link or characters within the link, as you will only receive a reward for each invitee that clicks on your unique link. 

  3. You have made at least one successful transaction within the 3 months before your referral link is accepted by the Invitee(s). Exclusions on transactions apply, please review full terms below for more details.

You agree to send this referral link to only people you know, to people you have permission to contact, that you will not “spam” anyone with the Referral Invite, that you will not or attempt to mislead your invitee(s) in relation to this promotion and that you will comply with any relevant laws.

The Reward will be displayed as “Pending” in your Curve Wallet until you and your Invitee have completed all of the relevant steps. The Reward will be credited to your Curve Cash card as a “Referral Bonus” after the 40 day subscription period or physical card purchase outlined later in these Terms has been fulfilled. 

You can successfully refer up to five (5) friends and the maximum Reward you can earn is £260.00 or €260.00 in Curve Cash Points (this limit is inclusive of any prior Reward or Referral completed on or after 10th October 2024, made in conjunction with a Curve Referral Offer).

(c ) What does your Invitee need to do?

Your Invitee must complete the steps below to be eligible for the Reward: 

  1. The Invitee must be a genuine and new user to Curve i.e., they have not had a previous Curve account and they must sign-up using your unique referral link.

  2. When signing up, the Invitee must either pay for a physical Curve card (i.e. pay the Delivery Fee) or subscribe to either our Curve Pay X, Curve Pay Pro or Curve Pay Pro+ subscriptions “Paid Subscription”.

  3. Complete at least 3 genuine purchases of £5 or €5 each with their Curve card within 7 calendar days of creating their account. Exclusions on transactions apply, please review full terms below for more details.

  4. If they have not paid for a physical Curve card (i.e. paid the Delivery Fee) then the Invitee must keep their paid subscription for at least 40 calendar days. 

(d) Other legal bits

  1. The Reward: The Reward will be added as Curve Cash Points to your Curve Cash Card (which you can see in the Curve app). Our Curve Rewards and Curve Cash scheme terms apply (see here). If you are a resident in the United Kingdom, please note that FSCS protection does not apply to the funds held on your Curve Cash Card. To learn more about how we protect your funds and how we minimise your risk, go here. More information can be found on the FCA website itself, here. 

  2. Curve Cash Points: 

  1. Curve Cash Points have no monetary value and are converted to e-money only at the point you spend them with your Curve card. Curve Cash Points cannot be withdrawn as or redeemed for cash, cannot be transferred from your Curve Cash card, and expire after 6 months. Your use of Curve Cash Points is subject to our UK Terms of Service (if you are a UK resident) (or Curve’s Samsung Pay+ Terms, if you’re a Samsung Pay+ user) or to our EEA Terms of Service (if you are a resident of the EEA). 

  2. The following transactions are excluded for the purpose of (b)(3) & (c ) (3): 

    1. Transactions or purchases of, or relating to, financial services, including but not limited to wire transfers, money orders, money transfers, insurance services, insurance sales, insurance underwriting, insurance premiums, cash disbursement, quasi cash, stored value funding, MoneySend, funding of cards and accounts, securities/shares (including through brokers and dealers), overpayments, bonds, savings bonds;

    2. Transactions or purchases of, or relating to, lotteries, casinos, gambling or gambling like services, fines, bail and bond payments, tax payments, and government services;

    3. Purchases made using your Curve Cash card balance;

    4. Curve Fronted transactions or any fees charged by Curve; 

    5. ATM withdrawals; and

    6. Transactions or purchases of, or relating to, colleges, universities, professional schools and junior colleges.

  1. Fair use: The Referral Offer is subject to our UK Fair Use Policy (if you are a UK resident) or to our EEA Fair Use Policy (if you are a resident of the EEA). Any violation of our Fair Use Policy may result in us suspending your participation in the Referral Offer and Curve Cash Points or suspending or closing your Curve account. You will not be credited Curve Cash Points that we reasonably believe were obtained in violation of our Fair Use Policy. We will also revoke any Curve Cash Points granted where we reasonably believe they were obtained by fraud or otherwise in violation of these terms. Curve reserves the right to revoke any Curve Cash Points granted in excess of the maximum limit as set out in our Fair Use Policy.

  2. Eligible customers: The Referral Offer is available to Curve customers who are residents of the United Kingdom and countries in the European Economic Area (EEA) and are aged 18 years or over at the date of entry, excluding employees of Curve UK Limited, Curve Europe UAB, Curve Credit Limited, Curve US Inc., and their immediate families, associated agents, or anyone professionally connected with the Referral Offer. Curve accepts no liability for users who do not qualify for the Referral Offer. 

  3. Other promotions: Curve may determine in its sole discretion that the Referral Offer cannot be used in conjunction with any other discount or offer by Curve. 

  4. Disqualification or suspension: 

    1. Any person persistently trying to circumvent the Terms or the Referral Terms will be immediately disqualified. Any person who creates or attempts to create duplicate Curve accounts to obtain entries into the Referral Offer will be ineligible.

    2. Curve reserves the right to disqualify customers where there are reasonable grounds to believe they are acting fraudulently or where there has been a breach of these Terms or the Referral Terms.

    3. Curve also reserves the right to reverse any Reward credited to your Curve account if we become aware that you have breached these Terms, the Referral Terms or the terms that apply to your Curve account  (including when any of your referees reverse any of the steps required under ( c)(1)-(4)). We will consider the reversal of any Reward to have been done with your consent and the payment to have been authorised by you.

    4. Curve reserves the right to disqualify customers, reverse any Reward credited to your Curve account, and suspend or close your Curve account if we become aware that your unique referral link has been published on any advertising networks or social media platforms. 

  5. Suspending or amending the Referral Offer and/or Terms: 

    1. Curve retains the right to amend, suspend or end these Terms, the Referral Terms and/or the Referral Offer without any prior notice (including if, in our reasonable opinion, the Referral Offer is being abused or may negatively affect Curve’s goodwill or reputation or due to unforeseen circumstances which may make it impossible for us to continue running the Referral Offer). 

    2. Curve will not be liable for any loss, whether directly or indirectly suffered where we are unable to continue running the Referral Offer as planned. 

  6. Acceptance of Terms: By signing up for the Referral Offer, you will be deemed to have accepted the Referral Terms. 

  7. Use of Personal Data: Personal data provided will be used for the purposes of administering the Referral Offer and your Curve account. Please see Curve’s Privacy Policy here.

  8. Law and Jurisdiction: The Referral Offer and these Terms are governed by the laws of England and and Wales and any legal proceedings in relation to them will be held in the courts of England and Wales if you are a United Kingdom resident and by Lithuanian law and Lithuanian courts if you are a Lithuanian resident. If you are resident in another EEA country, nothing in these Terms prevents you from taking legal action in the country in which you reside. 

UK Promoter: Curve UK Limited, registered in the UK with company number 09523903, based at 1-10 Praed Mews, London, W2 1QY. 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).

EEA Promoter: Curve Europe UAB, with company number 305626541 and based at Jogailos g. 9, Vilnius, the Republic of Lithuania. Curve Europe UAB is authorised and regulated by the Bank of Lithuania (license No. 73 issued on 22 October 2020) under the Republic of Lithuania Law on Electronic Money and Electronic Money Institutions.