# Curve Flex (formerly Curve ReFi)

> Curve ReFi allows you to maximise the benefit of interest free credit cards by enabling the ability to easily transfer a large value of existing purchases 

Source: https://help.curve.com/en_gb/curve-flex-formerly-curve-refi-BJbJBsUvyl

Last updated: 2026-04-16T09:57:26.854Z

Curve Flex (formerly Curve ReFi) allows you to maximise the benefit of interest free credit cards by enabling the ability to easily transfer in bulk existing purchases from one card onto another card, to avoid revolving interest. It can also help free up cash by moving a large value of existing purchases between your cards.

****In this article****

*   [Will I be charged](#fee)
    
*   [Are there any restrictions?](#restriction)
    
*   [Can Curve Flex (formerly Curve ReFi) be processed in a different currency?](#currency)
    

## **Will I be charged**

**Scenario**

**Fee**

Moving to a credit card

1.5%

Moving to a debit card

No Fee

  

##   

## **Are there any restrictions?**

Curve Flex (formerly Curve ReFi) is available to Curve customers in both the UK and EEA. There is currently no limit on the amount you can move using the Curve Flex (formerly Curve ReFi) feature. 

However, there will be times when some transactions cannot be moved using Curve Flex (formerly Curve ReFi). These include:

*   Transactions that are more than 4 months old
    
*   Transactions that have been moved using Go Back in Time or Curve Flex (formerly Curve ReFi) previously
    
*   Pending transactions - once a transaction is settled by the merchant, you’ll be able to move it using the Curve Flex (formerly Curve ReFi) feature
    

##   

## ****Can Curve Flex (formerly Curve ReFi) be processed in a different currency?**** 

When you move your purchases, these will always be processed in the currency of the card on which the Curve Flex (formerly Curve ReFi) button was clicked. 

This means if you move transactions made on a card set to EUR, these will be processed in EUR on the card you transfer the transactions to.  
  

## ****What Merchant Category Code (MCC) are my Flex (formerly Curve ReFi) Transactions****

All transactions processed and moved using Curve Flex (formerly Curve ReFi) will use the ****MCC 8999 Professional Services (Not Elsewhere Defined)**** and will not retain your original transaction's MCC.   
  
If you are using Curve Flex (formerly Curve ReFi) as a way to utilise your Funding card's rewards scheme, please reach out to them before doing so to ensure the MCC 8999 is eligible.   
If not, you could use our Go Back in Time feature which retains the transaction's original MCC. You can learn more about Go Back in Time [****here****](https://help.curve.com/en_us/go-back-in-time-ByrH_2U_)****.**** Please note that Go Back in Time is subject to the limits determined by your subscription tier. You can view your limits in our Subscription Schedule [****UK****](https://cdn.buttercms.com/swBdvU3USACJHYiE6s4H)****/****[****EEA****](https://cdn.buttercms.com/sRQ1ZAgTkuICNQRdaxTS).