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Simon Dingle

Curve for Business - One place to easily spend, send, see and save your money.

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Built for small businesses and freelancers, Curve simplifies your financial life by connecting your accounts to one smart card and an even smarter app, connected straight to Xero. Submit expenses automatically as you pay, get instant alerts as you spend, and store receipts safely in the cloud.

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Simon Dingle
Maker
Hey Hunters! I'm the product guy at Curve and super-excited to finally talk about what we've been making. Curve combines all your payment cards into one single card, accompanied by an app. Curve brings together the best of mobile payment systems such as Apple Pay and that of the traditional bank card to a single solution, accepted everywhere. Curve is built on the MasterCard rails. We’ve set out to unite everyday payments - all those different cards and transactions - into one single place. This brings a host of benefits, from only needing to carry a single card, saving money on currency fees when traveling and eliminating ATM fees, to being able to label and search all transactions with one tap of your app in real time, and making American Express work in places it isn’t usually accepted. All you need is the Curve app and card. Upload an unlimited number of other cards by scanning them in your app, and select the card you want to use. This will be your default payment card until another is selected. No batteries required ;) We’re launching first in the UK to freelancers, entrepreneurs and self-employed consultants and will have a wider consumer launch later in the year. Looking forward to hearing what you think ;) UPDATE: We've had requests for a promo code for Product Hunters, so - use MvcuZ and get £10 to spend on your Curve card when it arrives!
Tom Webb
@simondingle why self employed first?
Simon Dingle
Maker
@techtom10 Great question! The self-employed market is rapidly growing, and underserved by the current banking system. They have more acute pain-points around their finances; managing business and personal cash-flows through single accounts, balancing spend across different cards, traveling more often - and we think Curve can help. So we're focusing here prior to a broad consumer launch later this year.
Tom Webb
@simondingle can I just say I'm self employed? I mean I'm a photographer 😄
Simon Dingle
Maker
@techtom10 if you make any money from your photos than I don't see why not ¯\_(ツ)_/¯
Tom Webb
@simondingle being payed at a summer camp. So when are you launching this? eg: I'm just about to buy one!!!
Shaun Trennery
Congrats. Very impressive solution to a painful problem. Are there any plans for smart card selection? i.e. the most optimal source of value is determined by Curve at the point of purchase. @simondingle great to learn that you the product guy on this. Congrats and best wishes on the launch.
Simon Dingle
Maker
@shauntrennery Thanks Shaun 🙂. We definitely have some rule-based card selection on our roadmap. So much possibility.
Noah Kim
@shauntrennery @simondingle This is a great idea. For people who are using several cards on different reward programs, being able to know which one to use at that time to maximize rewards would be incredible, especially since a lot of these programs have revolving categories.
Olivier Plante
Amazing love it, can you not make it so I select the card I want to use after I entered my PIN in the device?
Simon Dingle
Maker
@oplante That would mean you were adding cards before you had security set up properly in the app, if I understand the suggestion correctly - but definitely something to consider ;)
Vasanth Subramanian
Been using mine for a couple of weeks now and think it's great! Would love to see the categorisation of transactions get more fully featured - e.g. for a supermarket shop my only choices are 'Services', 'Supplies', 'Travel' or 'Entertainment'.
Simon Dingle
Maker
@vsubramanian Thanks! Yeah, categorisation can be a tricky business, but we've got big plans. Tagging transactions is a must for busy, self-employed people.
Stewart Rogers
Paul Sawers wrote a nice article on Curve today over at VentureBeat. (http://venturebeat.com/2016/02/1...) Personally, I like your approach versus Coin etc. Firstly, it supports Chip and PIN, and secondly, it is just a regular card. No batteries. No OTA and potentially harmful connections with the smartphone. Makes a lot more sense to me,
Simon Dingle
Maker
@therealsjr that way it also allows you to, for example, take Amex to places it couldn't go before. Makes a lot of sense to us too. Great article. Thanks for sharing ;)
Rayhan Rafiq Omar
One card to rule them all. Will make travelling less stressful. Looking forward to seeing what improvements come to the linked app to help us manage our financial lives better.
Simon Dingle
Maker
@rayhanrafiq those improvements are underway. Would love to hear the kinds of things you have in mind ;)
Tom
Great experience. iOS UX could be better. All in all pretty amazing.
Lianne Haug
Your FAQs about rewards say that you will not receive rewards from cards linked to specific merchants (e.g. Virgin American Express to purchase a Virgin Flight), but what about category based rewards? For example, the Chase Sapphire would normally receive 2X points on travel and dining. Would I receive 2X chase points for any travel or dining related purchases I made through Curve with my Sapphire card or just the base 1X per dollar spent?
Simon Dingle
Maker
@liannehaug you would not receive the extra points, but you'd still get standard rewards and the added benefit of not paying currency conversion fees. Curve aims to be one of the most affordable travel cards around, keeping you on your home currency. So in most cases the savings with Curve would be more significant than any bonus points.
Dan Simon
gotta say- coin turned me off to this... hopefully your card design is awesome!
Simon Dingle
Maker
@usersready Curve is not cloning your other cards though, so we're a bit different. Curve also doesn't require batteries, and works anywhere you can use MasterCard - even if you're paying with American Express, for example. We've spent a lot of time on the design of our card and hope you approve.
Samir Doshi
Cool product --- but isn't this space getting crowded? Gonna have to check this out --- also - mobile payments, how will that affect this revenue potential?
Simon Dingle
Maker
@samir_doshi We're excited about the various forms of mobile payment currently taking shape, but we think the humble card will still be around for a while. Nothing's faster than a contactless card payment - and no batteries required with Curve 😉
Tom Webb
OMG. looks amazing! do you have any referral codes for product hunters?
Simon Dingle
Maker
@techtom10 we've added one due to popular demand. Use MvcuZ and get £10 to spend on your Curve card when it arrives :)
Johan
Amazing product incoming ! Can't wait for the the release... with an Android app :)
Nick Katz, FRICS
Love what Curve are doing, so excited to get my card. I carry a wallet with ONLY cards in it, about 6 of them, can't wait to shed the weight and size to just have one.
Simon Dingle
Maker
@nicholaskatz Thanks Nick! Would love to hear your thoughts on Curve, and how we could integrate with other great fintech products.
Sam Green
OK. I so want this! Two questions though. First: Any plans to expand to the US and add US Banks? Second: Android support?
Simon Dingle
Maker
@senthos yup, we definitely plan to expand to the US, but I can't provide exact dates at this stage. We're working hard to hit Android as soon as possible but right now our app is iOS only.
Mikael Forsgren
When might I get one in Sweden?
Simon Dingle
Maker
@mikaelf We'll be opening up to EEA residents soon, but I unfortunately can't provide an exact date at this stage ;)
Mikael Forsgren
@simondingle Awesome. You might wanna double check the wording here in the iOS app: https://goo.gl/photos/Vb9vJ9Xz6T... "(and and use them for anything else)".
Simon Dingle
Maker
@mikaelf Thanks Mikael ;)
Steven
Looks like Discover isn't currently supported. Do you guys intend to add them as well? Are there any additional fees beyond the original purchase of the card? For debit related stuff, I assume the free ATM listed on your site doesn't automatically make this free for all ATMs as normal ATM fees would still apply and does this allow for cash back transaction at point of purchases the way a normal debit does? Since this is base in the UK, does it have any limitations in the US market (doesn't appear to be available in the US yet; just tried to order a Curve Black). When are you guys planning for a US launch?
Simon Dingle
Maker
@enonevets Any standard Visa, MasterCard or American Express cards should work with Curve, with the exception of some prepaid cards. We do not charge additional fees for Curve, and our foreign currency exchange rate is the MasterCard wholesale rate + 1% - which we think is pretty good :) Normal ATM fees (charged by the ATM operator) are beyond our control, but we do not charge our own fees for ATM withdrawals. We unfortunately aren't available in the US yet, but we are planning to be there soon. I wish I had an exact date for you, but that's impossible to provide at the moment.
Thomas K. Running
@simondingle Regarding ATM fees, if I connect e.g. my Schwab card I guess they won't see the transaction as an ATM withdrawal, and hence won't refund the ATM fee as they normally would?
Simon Dingle
Maker
@tkrunning All Curve transactions appear as online purchases would to your card providers, including ATM withdrawals. Curve does not charge ATM fees, but obviously some ATM operators do. So there are no ATM fees to refund if you use free ATMs ;)
Félipé Upperlife
Any referral code ?
Simon Dingle
Maker
@falemaster We've added one due to popular demand ;) Use MvcuZ and get £10 to spend on your Curve card when it arrives.
Piyush Agarwal
Any plans to bring this to India? The opportunity is BIG and I can be a beta tester! :)
Simon Dingle
Maker
@inditravlr yes, we plan to be everywhere eventually ;) For now we are launching in the UK and will soon open up to the European Economic Area.
Viktor Nazarenko
Are there any plans to start in Ukraine?
Simon Dingle
Maker
@viktor_naz Yup. For now we are launching in the UK and will soon open up to the European Economic Area, but we hope to be everywhere eventually ;)