# Curve OS (UK/EEA) > Curve OS (UK/EEA) knowledge base – help articles and documentation. ## New to Curve - [What is Curve?](https://help.curve.com/en_gb/what-is-curve-H1y1HdnIO.md): How does the Curve card work? Curve allows you to spend from any of your accounts using just one card, clearing the clutter from your wallet and simplifyi... - [How do I create a Curve Account?](https://help.curve.com/en_gb/how-do-i-create-a-curve-account-H1UUpLTT1g.md): Were excited that youre interested in opening an account with us and we appreciate you choosing Curve to gain financial freedom You can open an account with - [Spending with Curve](https://help.curve.com/en_gb/spending-with-curve-SyUTsUIUxe.md): In this article Using Curve for purchases Transactions in the Curve Pay app Offline charges Using Curve for purchases You can spend with Curve i - [Referrals and bonuses – how do they work?](https://help.curve.com/en_gb/referrals-and-bonus-how-do-they-work-By31Bd2L_.md): Earning Curve Cash through referrals Did you know that you can earn Curve Cash points by referring your friends and family to Curve? You can earn £5 ... - [What is the Fair Use Policy?](https://help.curve.com/en_gb/what-is-the-fair-use-policy-B1dFBuhL_.md): At Curve our mission is to create a connected world of finance and provide you with a convenient and simple way to manage your finances in order to allow you t ## Account & Subscriptions - [How do I change my details?](https://help.curve.com/en_gb/how-do-i-change-my-details-By01Huh8_.md): This depends on the detail and the device. You can change some of your details directly in the app. Got stuck somewhere along the way or moved houses ... - [Your Curve spending limits](https://help.curve.com/en_gb/your-curve-spending-limits-ryS1H_2Ld.md): Why does Curve have spending limits? So we can ensure that Curve is being used responsibly, spending limits apply to all Curve and Samsung Pay+ accounts. ... - [Your Curve account verification](https://help.curve.com/en_gb/your-curve-account-verification-rJqJVYKvK.md): Curve is not a bank, but we're still a financial institution. This means we need to follow certain regulations and also know our customers, so... - [Why is my Curve Account Blocked?](https://help.curve.com/en_gb/why-is-my-curve-account-blocked-r1b6aIT6kl.md): At Curve your security is our top priority Sometimes we may temporarily restrict accounts to protect you from potential threats and keep your money safe Her - [How do I cancel my account?](https://help.curve.com/en_gb/how-do-i-cancel-my-account-ryJxr_3Iu.md): You can cancel your account at any time however wed love to hear from you and get the opportunity to fix any difficulties you might experience when using the - [Samsung Pay+ Termination](https://help.curve.com/en_gb/samsung-pay-termination-r159FQtngl.md): Will I retain my current benefits? Yes you'll keep all the benefits you currently have with your Samsung Pay account. - [What is the Fair Use Policy?](https://help.curve.com/en_gb/what-is-the-fair-use-policy-B1dFBuhL_.md): At Curve our mission is to create a connected world of finance and provide you with a convenient and simple way to manage your finances in order to allow you t ## Curve Card - [The Curve Credit card](https://help.curve.com/en_gb/the-curve-credit-card-SySf7rxya.md): Its here - [How do I activate my Curve Card?](https://help.curve.com/en_gb/how-do-i-activate-my-curve-card-S1xySO3Id.md): Great, your Curve card arrived! But, before you can use it, you need to activate it in-app. Before you can activate your Curve card, you need to make sure y... - [My Curve Card PIN](https://help.curve.com/en_gb/my-pin-HkbWru3UO.md): How do I find out what my PIN is? When you first download and set up Curve, you’ll be asked to create your card’s PIN. If you’ve for... - [I need a new Curve card](https://help.curve.com/en_gb/i-need-a-new-curve-card-SkJO1n7wo.md): In need of a new Curve card? You can order a replacement yourself via the Curve app! ## Curve Features - [Anti-Embarrassment Mode](https://help.curve.com/en_gb/anti-embarrassment-mode-Bk0fBO3IO.md): Prevent payment card declines with Curve's backup payment solution. Set up automatic retry cards for seamless transactions. Learn more → - [Curve Fronted](https://help.curve.com/en_gb/curve-fronted-rkuEB_2Iu.md): 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... - [Killer FX](https://help.curve.com/en_gb/killer-fx-HyquHdnUu.md): Curve is the perfect travel companion Using Curve on your next trip could help you save on currency conversion fees Herersquos how Our currency conv - [LoungeKey™](https://help.curve.com/en_gb/loungekey-r1jLr_h8O.md): To gain access to the network of Lounges offered by Mastercard ® you’ll need to be a Curve Metal card holder. Before you can access the Lou... - [Curve Pay](https://help.curve.com/en_gb/curve-pay-SJRY5GBXK.md): To be able to use Curve Pay you needto enable it in the Curve Pay app, either when you’re creating a new account (new Curve customers) or by tapp... - [Curve Flex (formerly Curve ReFi)](https://help.curve.com/en_gb/curve-flex-formerly-curve-refi-BJbJBsUvyl.md): 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 - [Smart Rules](https://help.curve.com/en_gb/smart-rules-B1NGA5g5.md): Smart Rules are in-app conditions you can quickly set to automate your Curve spending. Do you want to use a payment card for a specific purpose? Just set up ... - [Curve Concierge](https://help.curve.com/en_gb/curve-concierge-HJ3CT7SUle.md): Need concierge expertise Were here to help Send an email to helpmebookcurvecom and provide the details of your request remember to use the email addres - [Go Back in Time](https://help.curve.com/en_gb/go-back-in-time-ByrH_2U_.md): Go Back in Time allows you to move transactions made using your Curve card from one payment card in your Curve app to another. It's free and can be done enti... ## Curve Pay App - [Changing my passcode](https://help.curve.com/en_gb/changing-my-passcode-r1MlHd3Ud.md): Secure your Curve Pay app with proper passcode management. Learn setup, changes, and self-service reset options. Get help → - [Loyalty Cards in the Curve Pay app](https://help.curve.com/en_gb/loyalty-cards-in-the-curve-pay-app-SyIBS_nLO.md): To use your loyalty card via the Curve app open the “ Wallet ” screen and select the “ Loyalty ” option at the top. Then, ta... - [Open Banking](https://help.curve.com/en_gb/open-banking-HkcdNrr8xx.md): In this article How does it work Is this safe How do I add my balance Supported Countries and Banks How does it work Youll be able to co ## Transactions - [Spending with Curve](https://help.curve.com/en_gb/spending-with-curve-SyUTsUIUxe.md): In this article Using Curve for purchases Transactions in the Curve Pay app Offline charges Using Curve for purchases You can spend with Curve i - [Refunds](https://help.curve.com/en_gb/refunds-BJ_vBdnUu.md): Refunds aren’t processed by retailers in real-time and we tend to receive them 1-5 working days after they’ve been requested . You’... - [Declines](https://help.curve.com/en_gb/declines-B1VBXyrLgl.md): Declines There are multiple reasons why you may have been declined Some declines youll be able to fix yourself others youll need to get in touch with us a - [Fees](https://help.curve.com/en_gb/fees-HkkKBu2Lu.md): Curve won't apply any fees when spending in the currency your payment card is set to in-app. Always check with the merchant to ensure that you don't encounte... - [Restricted & Sanctioned Countries](https://help.curve.com/en_gb/restricted-sanctioned-countries-SJf0yEcM0.md): Please note youll be unable to use your Curve card in the following places Burundi Belarus Cuba Darfur North Korea Iran Iraq Myanmar Russia South Su - [Closed accounts FAQ](https://help.curve.com/en_gb/closed-accounts-faq-HywlxPgWfl.md): How can I access my transaction history if my Curve account has been closed If your Curve account has been closed and you require access to your transaction ## Curve Flex - [What is Curve Flex?](https://help.curve.com/en_gb/what-is-the-flex-card-and-how-is-it-different-to-curve-flex-rkIUSPFlp.md): Were excited to announce the recent launch of our new Flex Card alongside our Curve Credit Card The Curve Flex Card is our new game changing feature t - [What happened to Curve ReFi? Is it still available?](https://help.curve.com/en_gb/what-happened-to-curve-refi-is-it-still-available-SJgVQzAwgx.md): In this article Closing your Curve Account with active loans Change your Curve Flex credit limit Closing your Curve Account with active loans Yo - [Your Curve Flex Application](https://help.curve.com/en_gb/your-curve-flex-application-rJjclGCDxg.md): In this article How to apply for Curve Flex Does checking eligibility for Curve Flex affect your credit score What is open banking and how does it af - [Managing your Curve Flex Account & Transaction Eligibility](https://help.curve.com/en_gb/managing-your-curve-flex-account-transaction-eligibility-ryVq5kQSK.md): Here are some possible reasons why you cant swipe on a transaction Your transaction is not eligible see here for the full list The transactio - [What happens if some of my selected purchases can’t be refunded?](https://help.curve.com/en_gb/what-happens-if-some-of-my-selected-purchases-cant-be-refunded-B1liQMRwxx.md): In this article How do refunds to Curve Flex work Is my Curve Flex purchase protected How do refunds to Curve Flex work If you receive a refu - [Curve Flex Instalment Plans Repayments](https://help.curve.com/en_gb/curve-flex-instalment-plans-repayments-H13qliFXq.md): When you flex your first transaction wersquoll ask you to choose your preferred repayment date between the 1st and 28th of the month This will be the rep - [Curve Flex Interest Rates & Fees](https://help.curve.com/en_gb/curve-flex-interest-rates-fees-B12WdoKX9.md): Your interest rate is determined by your credit rating and the loan term you choose. Failing to make a payment on time will result in a late fee. - [What are Curve Flex Instalment Plans?](https://help.curve.com/en_gb/what-are-curve-flex-instalment-plans-HyTJ5D0VZg.md): New Curve Flex lending including new instalment plans is currently paused As a result customers cannot create new Curve Flex instalment plans at this time - [Can Curve Flex transfers be processed in a different currency?](https://help.curve.com/en_gb/can-curve-flex-transfers-be-processed-in-a-different-currency-S11X2PCEbx.md): When you move your purchases between cards with Curve Flex these will always be processed in the currency of the card on which the Curve Flex button was clicke - [What MCC code is used when transferring purchases to another card?](https://help.curve.com/en_gb/what-mcc-code-is-used-when-transferring-purchases-to-another-card-HyP_nwCVe.md): When you move purchases to another card using Curve Flex the original purchases are refunded and a new purchase is created on your selected card This new pu ## Security - [How to protect yourself from fraudsters](https://help.curve.com/en_gb/how-to-protect-yourself-from-fraudsters-HywJXYIQh.md): Impersonation Scamming - [Why is my Curve Account Blocked?](https://help.curve.com/en_gb/why-is-my-curve-account-blocked-r1b6aIT6kl.md): At Curve your security is our top priority Sometimes we may temporarily restrict accounts to protect you from potential threats and keep your money safe Her - [The official Curve app and social media accounts](https://help.curve.com/en_gb/the-official-curve-app-and-social-media-accounts-rkbordnI_.md): Online criminals have been known to make convincing fake versions of apps, social media accounts and websites, not to mention sending fake emails or text mes... - [What is the Fair Use Policy?](https://help.curve.com/en_gb/what-is-the-fair-use-policy-B1dFBuhL_.md): At Curve our mission is to create a connected world of finance and provide you with a convenient and simple way to manage your finances in order to allow you t ## Current Updates - [Terms of Service Update](https://help.curve.com/en_gb/terms-of-service-update-SJqfa0NgWe.md): Essential updates to Curve's terms of service, privacy policy, and account security features. No action required. Learn more → - [We’ve got news: Curve is joining forces with Lloyds Banking Group](https://help.curve.com/en_gb/weve-got-news-curve-is-joining-forces-with-lloyds-banking-group-H1VFIyilZg.md): Get answers about the Lloyds Curve acquisition. No service changes, pricing stays same, support continues. Learn more → - [Black Friday Prize Draw - 2025](https://help.curve.com/en_gb/black-friday-prize-draw-2025-HkvGYJHle.md): Enter Curve's Black Friday Prize Draw with every £10+ purchase. Win Curve Cash Points up to £250 or valuable vouchers. Learn more → ## Support - [How do I contact Curve for support?](https://help.curve.com/en_gb/how-do-i-contact-curve-for-support-HkpuAJyTye.md): Were here to assist you If you need help have a question or are experiencing an issue you can contact us in various ways Start a Chat To contact us v - [How do I make a complaint?](https://help.curve.com/en_gb/how-do-i-make-a-complaint-rk2gS_2Iu.md): We strive to put the customer at the heart of our product, so if you have a complaint, we're truly sorry to hear you’re not happy with our service. By&... - [How do I make a complaint about Curve Flex?](https://help.curve.com/en_gb/how-do-i-make-a-complaint-about-curve-flex-SyzSUgXSK.md): You can contact us by using our in-app support or you can email our complaints team directly at complaints@imaginecurve.com. To successfully resolve your co... - [How do I opt out of marketing from Curve?](https://help.curve.com/en_gb/how-do-i-opt-out-of-marketing-from-curve-rkyLHXfHK.md): If you donrsquot want to receive marketing emails from Curve or Curve Credit you can do this by clicking the ldquoUnsubscriberdquo button at the botto - [What is the current System Status?](https://help.curve.com/en_gb/what-is-the-current-system-status-S1le2Sd2UO.md): You can view our live System Status anytime at statuscurvecom Well regularly update the current System Status and scheduled maintenance on our Stat