Have you connected paypal to curve? Did this work for you? All my transactions through paypal with t212 attached dont work through curve
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Yes. I have connected PayPal to curve & yes this works for me.
Meaning I have used my curve card to pay for an item on Amazon & this payment was charged to my PayPal account.
However I haven’t been successful in connecting my 212 card to curve.
This might explain why my physical card payment was declined at a small cafe this morning.
Works for me well on Curve as the direct card (not via PayPal). I did have to try about 10 times and eventually it verified.
The card is still shown as a business card, so I have asked curve to change that.
@Bogi.H can I request notifications for spending to be turned off for the card as a setting? I already get Curve notifications so it’s doubling up.
Curve have asked for confirmation from Trading 212 that the cards are personal and not business, can anyone from Trading212 here help please?
When are you going to introduce a screen in the app to show the current interbank exchange rate?
At this point we can only trust you will be charging 0.15% each transaction, not ideal!
This is my finding for the best Travel Card:
The T212 card is the cheapest card for ATM withdrawals while Chase is still the cheapest card for other transactions considering the cash back.
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Whats the markup fx? Where these numbers coming from?
Is it referring to the exchange methods?
T212 uses the interbank rate. the true rate
Chase uses Mastercard rate and revolut now uses the made up revolut rate.
Not sure about HSBC
They come from comparing their rates to the real FX rates. Don’t rely on what they say; just check their rates by yourself 
Actually is not exactly like that.
I have been a few days in EU recently and Chase has been giving me the Interbank FX rate. Plus cashback. I checked the real time GBP/EUR and the Interbank value after every purchase.
Mastercard rate is variable. It just fluctuates between the interbank rate. But usually over it. Visa does the same but worst spread.
Chase is the best card out there atm though. Then id say revolut due to wallets but now trading 212 is out there i dont need for revoult for 95% of cases.
Okay, I have discovered why Chase rates were so close to the true interbank even after the FX fee. Because they use Mid-Market value.
I will explain:
Example:
Actual GBP/EUR: 1.1650/1.1660. (Sell/Buy. Or Bid/Ask).
If you buy 1 item with Chase they will do:
Mid-Market (1.1650+1.166)/2 = 1.1655 minus 0.35% = Efective FX exchange value = 1,16142075
Trading 212 will do: 1.1650 minus 0.15% = Efective FX exchange value = 1.1632525
Real time values extracted right now.
Official FX and MasterCard Rate:
As you can see it’s even below 0,35%
If you do the maths from 0,8551 to 0,8573 it’s 0,26% fee. Kudos to MasterCard for giving such good rate. And it’s not only in theory, as I said before I have been using it last week several times and I was surprised with the good rate almost identical to Interbank (because the base used is Mid-Market better than Interbank).
Hope you find this information useful.
Mid market and interbank rates are the same thing. just different names
Trading212 use the interbank/mid market rate. Plus a 0.15% fee
Chase use mastercard rate (this fluctuates per day) and no fx fee.
Chase wins as you get 1% back on spending so it offsets any difference.
Trading212 has the advantage of wallets as i said. So you have bit more control over when you change money and what currency you hold.
I get paid in euros sometimes so its good to hold in trading212 for the interest and spend with 0.5%. Truly costs me nothing with this set up.
Chase is good, but remember their cashback is capped at max £15/month and they require you to pay in £1,500 a month to qualify.
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The 1500 pay in isnt a problem. Can transfer £1 in and out 1500 times to hit that requirement.
The £15 is not bad. You would have to Spend £1500 pounds to hit that target. This doesn’t include bills and direct debits
Then just move over to trading212 where your limit is £20 and you need to spend £4000. To hit that cap.
I feel lot of people arn’t even spending £1500 monthly on none bills etc
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Mid-market and interbank rates are definitely NOT the same thing, and it’s even described on T212 card page (down there in FAQs):
Mid-market rate is better (it’s mid-point between bid and ask, so it’s the actual “true” fx rate as you can see it on google - as one value without any spread), but it’s usually not offered to retail customers.
I just received my card. Probably a silly question, but am I the only one who thought this would be a bank account?
It’s only a debit card, so it doesn’t allow for bank transfers, direct debits, etc… (unless I’m missing something?)
It’s not really comparable with Monzo and Revolut
Ahhh i stand corrected! Thank you!
As others have suggested, I don’t think your figures are quite correct - especially for the HSBC UK Global Money account.
There is also Zing run my HSBC but primarily for non-HSBC customers.
Also Wise (formally TransferWise)