Cancel Curve the easy way

Overview

Curve is a financial app and card service that lets you combine multiple credit and debit cards into a single card and digital wallet. Curve operates as an e-money issuer and offers subscription tiers with added features such as expanded ATM allowances, cashback and a "Go Back in Time" card switching feature.

Who runs Curve

Curve OS Limited is the company behind the service. Curve is headquartered in London and its CEO is Shachar Bialick. Curve is authorised to issue e-money and is regulated by the Financial Conduct Authority.

Company facts

Web / Subscriptions page method

1. Visit https://www.curve.com/subscriptions.
2. Sign in to your Curve account.
3. Locate the current subscription and choose Cancel or Downgrade.
4. Confirm the cancellation; keep the confirmation screen and save any confirmation email.
5. Cancellation takes effect at the end of the current paid period. If you are in a cooling-off period, request a refund in the same message.

iOS / Android app method

1. Open the Curve app on your device.
2. Go to Account or Subscriptions within settings.
3. Select the plan you want to cancel and tap Cancel or Downgrade.
4. Keep a screenshot of the confirmation and wait for the confirmation email.

Email method

1. Compose an email to [email protected] with subject 'Cancel subscription' and include your full name, account email and last 4 digits of card.
2. State the plan name and the date you want the cancellation to take effect. For Curve Pay Pro+ include the required notice if the minimum period applies.
3. Attach any requested proof if you claim a statutory right to a refund.
4. Keep the sent email and any reply as proof.

Post method

1. Write a clear letter with your name, account email, last 4 digits of card and request to cancel subscription.
2. Send it by registered post to Curve, 180 Great Portland Street, W1W 5QZ London, United Kingdom and retain the certificate of posting.
3. Allow time for Curve to process and reply via email. If you need an urgent stop, use the app or email first.

Cooling-off period (14 days)

If you cancel within 14 days of signing up you are entitled to a refund of subscription fees paid under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Curve states you will receive a refund if you cancel within the first 14 days. Delivery fees may not be refundable.

Applicable law: Consumer Contracts Regulations 2013 - legislation.gov.uk.

End of minimum commitment

Curve Pay Pro+ has a 6 month minimum for monthly payment plans and a 12 month minimum for annual payments. After the minimum period you must give at least 1 month notice before the end of your current subscription period. If you cancel after the minimum period, notify them before your next monthly fee is due.

Applicable rule: Curve subscription schedule as published on the Curve subscriptions page.

Price increase

Curve's published subscription schedule governs fees and renewal. If Curve increases prices this does not automatically create a statutory right to immediate termination unless the change is unilateral and contrary to your contract terms or constitutes an unfair term under the Consumer Rights Act 2015. Contact support with your contract reference if you dispute the change.

Applicable law: Consumer Rights Act 2015.

Moving abroad

Curve does not publish a specific relocation cancellation policy. To cancel for this reason, contact [email protected] and provide proof of new address or proof of move. Curve will process requests according to its subscriptions terms.

Applicable law: Consumer Contracts Regulations 2013 for distance contracts where cooling-off may apply.

Death of subscriber

Curve does not publish a dedicated policy for death of subscriber. To request cancellation on behalf of a deceased account holder, contact [email protected] and be prepared to provide legal proof such as probate documents or a death certificate. Curve's responses are handled on a case by case basis.

Applicable law: Non specific in Curve public documentation; contact support and the Financial Ombudsman if you cannot resolve a dispute.

Legitimate grounds accepted by Curve (based on published terms)

Curve accepts standard cooling-off cancellations within 14 days and accepts cancellations after minimum periods with 1 month notice for Pro+. Other claims such as refund requests during cooling-off for downgrades or cancellations may incur fees: £5.99 for Curve X card and £59.99 for Curve Metal if cancelled during certain periods. Delivery fees of £5.99 are not refunded in some cases.

Applicable law: Consumer Contracts Regulations 2013 and Consumer Rights Act 2015.

Before cancelling: negotiate

Curve does not publish an extensive retention programme. There are no public, standard retention discounts listed. You can request a downgrade, ask for a promotional offer or request a refund if you are within the 14 day cooling-off period. To negotiate, contact support via the app or email [email protected] and state clearly that you are considering cancellation and what outcome you want - e.g. a temporary discount, a one-off refund or a downgrade.

What the cancellation will save you

Calculate your yearly cost and your saving if you cancel and switch to a free alternative.

Curve Pay (Free) - £0 per month; yearly cost: £0 x 12 = £0 per year.

Curve Pay X - £5.99 per month; yearly cost: £5.99 x 12 = £71.88 per year.

Curve Pay Pro - £9.99 per month; yearly cost: £9.99 x 12 = £119.88 per year. Annual pay option: £99.90 per year.

Curve Pay Pro+ - £17.99 per month; yearly cost: £17.99 x 12 = £215.88 per year. Annual pay option: £179.90 per year.

Cheapest alternative among competitors listed: Monzo at £0 per month. Example saving if switching from Curve Pay Pro+: £17.99 x 12 = £215.88 - £0 = £215.88 saved per year. If you switch from Curve Pay Pro annual (£99.90) to Monzo (£0) you save £99.90 per year.

Relevant United Kingdom law

Key statutes and regulators: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and Consumer Rights Act 2015. Curve is authorised by the Financial Conduct Authority and covered by the Financial Ombudsman Service for complaints relating to its e-money service. Refer to Consumer Contracts Regulations 2013 for the 14 day cooling-off period.

Cooling-off and refunds

The Consumer Contracts Regulations 2013 provide a 14 day cancellation right for distance contracts. Curve publishes that subscription fees paid will be refunded if you cancel within the first 14 days. For digital services started with express consent the refund rules differ; check your subscription start notice in the app.

Auto-renewal and unfair terms

The Competition and Markets Authority considers difficult cancellation and unclear auto-renewal terms to be potential unfair practices. If you cannot cancel or the contract contains disproportionate cancellation penalties, you can complain to Citizens Advice and escalate to the Financial Ombudsman Service if Curve does not resolve the issue.

Escalation route

1. Complain to Curve via [email protected] or the app. 2. If not satisfied, refer to the Financial Ombudsman Service. Curve publishes that complaints can be escalated to the Financial Ombudsman; see example decisions held at the Financial Ombudsman Service.

Check final billing

After you cancel, confirm the date the cancellation takes effect and check the final payment on your bank/credit card statement. Curve states you will remain charged and have services until the end of your paid period. No refund will be provided for the current month if cancelling outside the cooling-off period for Curve Pay, Curve Pay X and Curve Pay Pro.

Access to account and data

Save copies of important statements or receipts from the Curve app before your account loses subscription benefits. If you closed your account entirely request a data export from Curve support if you need transaction history for taxes or disputes.

Re-activation

You can re-subscribe at any time using the Curve app or website. Note that Pro+ monthly subscriptions have minimum periods (6 months) and annual subscriptions have 12 month minimums for renewals; check the subscriptions page before re-activating. See Curve subscriptions.

Follow this checklist to cancel cleanly and keep proof.

• Find your subscription renewal date in the Curve app or subscription page.
• Decide whether you are cancelling within the 14 day cooling-off period for a refund.
• Use the app or subscriptions page to cancel; if you prefer send an email to [email protected] or a registered letter to the postal address.
• Save confirmation email or take screenshots of in-app cancellation pages.
• Check for any cancellation fees: £5.99 for Curve X, £59.99 for Curve Metal and non-refunded delivery fee £5.99 as published.
• If you do not receive confirmation within 7 days, follow up and keep all correspondence.
• If Curve refuses a lawful refund, prepare a complaint to the Financial Ombudsman Service and keep evidence.