Curve card usa: Curve Card Coming To USA: Join Waitlist Now

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Curve Card Coming To USA: Join Waitlist Now

Curve has plans to launch in the United States in the near future, and it could prove super lucrative if it does in fact happen. I’m not holding my breath until it officially launches, since there are so many finance concepts that seem to be in the “startup” stage forever — for example, what happened to the X1 Credit Card?

Regardless, I’d recommend getting on the Curve waitlist, as it will give you an extra bonus if/when it launches, and there’s no obligation to actually get the product. If Curve enters the market, it could be a game-changer for many people using rewards credit cards.

What is Curve?

The concept behind Curve is fascinating — it’s a credit card you can make payments with, and it can be linked to your rewards credit card. Here’s the general idea when you get Curve:

  • Curve allows you to link credit cards from Mastercard, Visa, Diners, and Discover (American Express is excluded for now)
  • Then you can make all of your purchases with your Curve credit card, rather than using individual credit cards — essentially Curve pays the merchant, and then Curve charges your credit card
  • One of your designated individual credit cards will be charged through Curve for those purchases — transactions will still show up on your individual credit cards, but there will be a note making it clear that the purchase was through Curve, though you’ll still earn bonus points based on the merchant you made the purchase with
  • There are plenty of advantages to using Curve — there are no foreign transaction fees, you can switch the card you paid with for a period of 30 days, Curve offers contactless technology, and more

The concept might sound wild, though Curve has existed in the United Kingdom for a while, so this has been tried and tested elsewhere. We just haven’t seen it in the United States yet.

What are the benefits of using Curve?

Above I explained some of the basic features of Curve, though let me give some more concrete examples:

  • The Citi Double Cash is the best card for everyday spending, but it has foreign transaction fees; you could use Curve to make payments abroad with no foreign transaction fees, and then have it charged to the Citi Double Cash
  • If you’re looking to maximize credit card rewards, you can change the card you’ve used to pay for a purchase for 30 days; this can be useful if you didn’t use a card with the right bonus category, or if you have a spouse who isn’t great at using the right credit card for the right kinds of purchases
  • If you join the Curve waitlist now (more on that below) you can earn 1% back on purchases for the first six months, in addition to your credit card rewards

How does Curve make money?

You might be thinking to yourself “this sounds too good to be true, so what’s the catch, and how does Curve make money?” Well, that’s a great question.

Like so many companies nowadays, I’m guessing the answer is that Curve probably won’t make money, or at least isn’t looking to make money directly from consumers. I’m guessing venture capital companies will be funding these rewards, and that this is a play for collecting data on consumers, market share, etc.

Curve waitlist & refer-a-friend program

There are two potential benefits to getting on the Curve waitlist by September 6, 2021, and also to referring others to join:

  • All beta users who join the waitlist will receive an additional 1% cash back on every purchase for the first six months, in addition to the credit card rewards that they earn
  • The people in the top 100 spots on the waitlist will receive 10% cash back on their purchases for the first six months, for a total of up to $1,000 in rewards; for each person you refer, your spot on the list goes up by 100 places

Note that for the 1-10% cash back, paying taxes, paying for insurance, or buying gift cards, won’t qualify for that bonus.

OMAAT readers are also welcome to leave their referral codes in the comments section, so that others can use them.

Bottom line

Curve plans on entering the United States market in the near future, and it could prove very useful for anyone collecting miles & points. Curve essentially lets you use a single payment card, and then link several other cards so that you can maximize your rewards with every transaction.

If you join the waitlist now, you’ll even be able to earn 1% cashback on your purchases for the first six months, on top of the credit card rewards you usually earn. There’s plenty of long-term value beyond that, like no foreign transaction fees (which pairs nicely with cards that are rewarding but have foreign transaction fees), the chance to change which card you use for transactions after the fact, and more.

Hopefully Curve does actually launch in the United States in the near future, and doesn’t stay in “startup” mode forever.

What do you make of Curve? Could you see yourself using it?

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TRAVEL REVIEW

Review: Grand Hyatt Athens, Greece

The last stop on our five country European adventure was Greece. We were there for a couple of nights for a wedding. I won’t be reviewing that hotel, because trying to review a hotel when there’s a wedding block is…

Trip in progress now!

Stack up rewards and benefits on the Curve Mastercard

(Pocket-lint) – Most of us carry wallets bloated with more cards than we can handle. You may have debit cards, credit cards, business cards, loyalty cards, and much more, weighing down your back pocket or bag. But that can change with Curve, a smart Mastercard and app that consolidates all of your existing cards, allowing you to pay through any of them using just one card.

Curve is essentially a smart wallet that combines all of your existing credit cards, debits cards, and loyalty cards into a single app and Mastercard. It’s a completely free (you have to pay for premium cards) upgrade to anyone’s wallets, especially travellers and those purchasing expensive electronic items. However, Curve’s benefits are a lot broader than a slimmer wallet.

Curve is giving all new users 1 percent cashback across every single one of their purchases for an entire month. You can optimize your travel with an extra cashback of up to 20 percent on Booking.com, Hertz, and other vendors, allowing you to stack up on the benefits of your existing cards. This means you receive rewards from two points — the primary card and Curve.

Curve also promises the best FX rates in the marketplace, complete with free ATM withdrawals abroad and purchase protection of up to £100,000 on disputes. These benefits are automatically applied to your connected cards, helping you make purchases with a lot more convenience and comfort. You can also upgrade to premium cards for additional rewards.

  • Right now Curve is offering a £5 welcome bonus to Pocket-Lint readers on their first purchase, but you can read on to find out what makes it such a great service.

Consolidate multiple cards in one app and card

Curve’s primary benefit is that it can consolidate all of your debit cards, credit cards, and loyalty cards in one app and Mastercard. You don’t need to carry multiple cards on your person, just one. You can easily change which card you want to use from your app. Because of this feature, you don’t need to remember multiple PIN and CVV numbers — just the Curve PIN and CVV. Furthermore, the Curve card is compatible with Apple Pay, Google Pay, and Samsung Pay, so you can add all of your existing cards to these payment services at once.

Move payments from one card to another

If you’ve made a payment using the wrong card, you can easily move the payment to another card. This can be done for up to 30 days after the transaction and only once per transaction. This feature is particularly useful when you want to move the payment to a card that offers better benefits or move a payment from a personal to a company card. If you’ve ordered a new debit/ credit card that hasn’t yet arrived, you can make the payment using any of your other cards and then move the payment to the new card when it arrives.

No risk of cards being declined

There’s nothing quite as embarrassing as when your payment is declined, especially in social situations. Payments can get declined if your card has expired, you’ve exceeded your credit limit, the card provider has technical issues or numerous other factors. Curve as an “anti-embarrassment mode” that allows you to define a backup card that’s automatically used in the event of a failed or declined payment. This allows you to make the payment without any issues, avoiding potentially embarrassing situations.

1% cashback with all expenses

If you have one of the premium subscription-based Curve cards, you’re also eligible for 1 percent cashback on all your transactions with 3 or 6 retailers. The free card also provides 1 percent cashback at three retailers for 30 days, but that’s just a short trial to help you determine if you want to upgrade to a premium card. The cashback is an additional reward that allows you to stack up on the benefits of your existing cards. This feature is particularly useful for those making big electronic expenses at Amazon, Apple, Nintendo, and more.

Curve

Free up money from past transactions

Curve Flex is a new initiative that allows you to free up money from past transactions to meet your current and future financial requirements. You can essentially free up money from past transactions and convert them into monthly payments spread across installments of three to 12 months. This is a completely unique feature that allows you to meet present expenses, such as purchasing expensive electronic equipment, holidays, or emergencies. Furthermore, Curve Flex involves a lower interest rate than a typical credit card.

Consolidate all financial information in the mobile app

Curve gives you access to advanced spending analytics on your mobile app. You can see exactly what you’ve spent from all registered payment cards, calculate the accumulated Curve reward points, view a summary of spendings on different categories (food, retail, travel, etc.), and define your purchases as personal or business. You can also store pictures of receipts against the purchases. In fact, you can also add all of your bank and card accounts in the mobile application, so all of your financial information is consolidated in one location.

Pay with credit cards whenever you want

Generally speaking, credit cards can’t be used for certain types of payments, such as paying for taxes and utilities. However, thanks to the Curve Fronted feature, you can pay for all services using your registered credit cards via the Curve debit card. This allows you to essentially treat your credit cards as debit cards. A 1.5 percent service fee is usually applied to these transactions, but you won’t be charged those fees with a Curve Metal card.

Advanced security features

Curve provides a wide range of advanced customer protection capabilities. If you pay with Curve cards, you’re eligible for a refund of up to £100,000 per dispute. You can also lock and unlock your Curve card through the mobile app at any point, which is particularly useful if you can’t locate your card. Furthermore, paying with Curve card means you don’t have to disclose your bank and primary card details to anyone, making all transactions safer.

We’ve highlighted some of the most noteworthy features and capabilities available in the free Curve card. However, Curve provides a wide range of additional benefits, especially if you subscribe to Curve Black or Curve Metal. The advanced Curve cards give you access to worldwide travel insurance, mobile phone insurance, discounted worldwide airport lounge access, and numerous other benefits.

  • Want to give it a try yourself? Curve are offering a £5 welcome bonus to Pocket-Lint readers on their first purchase, so there’s even more to love. Check it out right here!

Fintech firm Curve raises $95 million ahead of U.S. launch

Curve CEO and founder Shachar Bialick.

Curve

LONDON — British financial technology firm Curve announced Tuesday that it’s raised $95 million to fuel an expansion into the United States.

Founded in 2015, Curve is among a flood of upstarts in Europe that have gained a following among mainly younger consumers in the last few years thanks to their online-only banking services.

Unlike digital challenger banks such as Revolut and Monzo, which offer checking accounts via an app, Curve combines all of a customer’s debit and credit cards into one platform and a linked “smart” card they can use for payments. The firm’s app has a feature called “Go Back in Time” that lets users change the account they paid with after making a transaction.

Curve’s latest funding round, its Series C, was led by IDC Ventures, Fuel Venture Capital and Vulcan Capital, the investment house of late Microsoft co-founder Paul Allen. American lender OneMain Financial and Novum Capital also invested.

“Despite the challenges Covid created for many businesses, we’ve seen great growth and are delivering on many of our targets,” Curve CEO and founder Shachar Bialick told CNBC in an interview.

Last year was a tumultuous time for some fintech firms. Monzo, for example, warned that disruption from the Covid-19 crisis had led to “significant doubt” about its ability to continue “as a going concern.” Many fintechs are now under pressure to show they can become profitable, and some experts think the sector could be ripe for consolidation.

Bialick said that Curve was less affected by the pandemic than its challenger bank rivals. Curve hasn’t disclosed its 2020 financials though. The company’s pre-tax losses quadrupled to £28.5 million ($38.7 million) in 2019, while revenues doubled to £5.9 million. Curve was late to submit its 2019 accounts, which were published Monday evening.

Curve was also hit last year by the fallout from the collapse of disgraced German payment company Wirecard. Curve customers were briefly unable to access their accounts in June after Britain’s financial watchdog froze Wirecard’s operations. The company had to shift its payments processing from Wirecard to rival firm Checkout.com.

U.S. expansion plans

Curve said it would use the fresh cash to roll out its service in the U.S., following in the footsteps of several European neobanks, including N26, Monzo and Revolut, that have attempted to take on America to varying degrees of success. Over 8,000 Americans have signed up to a waitlist for Curve’s U.S. launch so far.

It’s a competitive retail banking market, home to massive incumbents like JPMorgan, Citigroup and Bank of America as well as thousands of smaller community banks. Bialick says his firm is uniquely positioned as an “over-the-top” banking platform aggregating several accounts, rather than a standalone digital bank.

“We’re very differently positioned,” Curve’s boss said. “Americans have seven to eight cards on average, they love rewards.”

“If you look at the number of banks in the U.S., you’ll find thousands of banks from small countryside city banks, to major banks like Bank of America and Chase. The fragmentation in the market is remarkable.”

Curve said it would also publicly launch a credit feature soon that lets customers split their purchases across a number of installments, similar to so-called “buy now, pay later” services from the likes of Klarna, Afterpay and Affirm. Curve is hoping that new product offerings like consumer finance and a new card launched with tech giant Samsung will help it bring in more revenue going forward.

The start-up has been the subject of controversy over the past few years. A Business Insider report in 2019 said Curve failed to disclose to crowdfunding investors that just 14% of customers used its app once a month or more.

Curve today says it has a total 2 million customers, though it’s not clear how many of those are active users. Its latest results revealed that monthly active users had climbed 346% in 2019, but Curve declined to disclose its monthly active user number.

“Like many other companies in our industry, we do not disclose commercially sensitive information,” a Curve spokesperson told CNBC. “What we can say is that we have amongst the strongest retention and engagement metrics in the market.”

Curve Review – Is it the best way to combine all your cards?

What is Curve?

Curve; the Mastercard debit card that allows you to link all of your cards, to enable you to switch between spending on them all, but from the convenience of one place. Curve describes itself as the banking version of Netflix and Spotify by combining all of your cards into one smart card. Curve was founded in the UK in 2015 by Shachar Bialick, ‘a serial entrepreneur’ who has won many industry awards and is regularly featured in The Sunday Times, CNN and Bloomberg.

Curve launched in beta in 2016 and by 2018 had expanded into Europe, amassing 250,000 customers who have collectively spent over £500 million using the innovative smart card. Since then Curve boasts that over 2 million people now spend with the Curve card.

It has received investments from Santander InnoVentures, Investec, Oxford Capital and Breega Capital. Other Curve investors include Taavet Hinrikus (TransferWise CEO & co-founder) and Ed Wray (Betfair co-founder).

Curve Features

  • Use your Curve card worldwide – Curve can be used anywhere that accepts a Mastercard
  • Instant alerts – get instant spending notifications
  • Spending categorisation – colour-coded categories to help you make sense of your spending
  • Go back in time – switch card purchases if you have paid on the wrong card and ‘Go back in time’ up to 30 days for purchases up to £5,000
  • Earn cashback – earn 1% cashback with numerous retailers (limits apply)
  • Send money to other Curve users – transfer money to another Curve user via the app
  • Pay your bills – pay bills that you wouldn’t be able to with regular credit cards
  • Apple/Samsung/Google Pay – pay with Curve using your smartphone
  • Fee-free spending abroad – save up to 5% on hidden bank fees when spending abroad with Curve
  • Anti-embarrassment mode – set up a backup card that Curve will automatically use if a payment declines
  • Loyalty cards – add all of your loyalty cards such as your Tescos Clubcard to your Curve app so you don’t have to carry multiple rewards cards around at any one time
  • Free ATM withdrawals abroad – withdraw up to £200 per month fee-free whilst abroad
  • Fee-free spending abroad – spend abroad up to £500 fee-free using the interbank exchange rate (a 2% fee is applied thereafter)
  • Curve customer protection – whilst Curve is not covered by the Financial Services Compensation Scheme (FSCS) Curve customers are covered up to £100,000 with Curve Customer Protection
  • Curve Fronted – make HMRC payments or pay credit card bills with another credit card within the Curve app (1.5% fee applies to Curve Blue and Black cardholders)
  • Curve Flex – get a refund for a transaction and spread the cost over 3-12 monthly instalments

How does Curve work?

In order to use Curve, all you need to do is download the app via iTunes or Google Play and it is within the app where you are able to order your new card.

Once downloaded, you are asked to enter an email address where you have the option to be sent a magic link or use a password.

If you select ‘Use Magic Link’ and open the link via email then you will automatically be logged into the app. Upon opening, you have the opportunity to add the cards you would like to use with the Curve card. You can any Visa and Mastercard card and you can do this by simply scanning your bank card, or alternatively, entering in the card details manually.

Once you start spending, Curve has a feature that allows you to get instant notifications, and like the other mobile banks such as Revolut and Monzo, you get a categorised breakdown of your spending across all of the cards loaded onto your curve.

click to enlarge

Can Curve be used abroad?

Curve allows you to spend on any of your Visa or Mastercard cards whilst abroad and does not charge any additional fees for doing so. Get instant notifications in both the local currency and your usual currency when abroad so you can keep track of what you are spending whilst on the go. Curve also uses the interbank exchange rate so when you spend with Curve you avoid the unnecessary fees that banks usually charge. You can use Curve to withdraw cash at any ATM that accepts a Mastercard however limits do apply. You can find more information on Curve limits and restrictions here.

Curve Accounts

There are 3 different types of Curve cards and the benefits, features and charges are listed in the table below. For more information on the types of cards and their differences, you can find that information here.

*If spending or withdrawing money at the weekend Curve will take the rate from the last day the market was open (usually Friday 23:59) and apply a surcharge of 0.5% for currency conversions in GBP, USD or EUR and 1.5% for any other currency.

Curve spending limits

Curve currently has limits set on how much you can spend in a day/month/year. For the average spender with a standard (free) card these shouldn’t be an issue but could cause problems if you are planning to buy something expensive, e.g a holiday. 

Curve blue spending limits:

  • £200 cash withdrawal a day
  • £2,000 spending limit a day
  • £10,000 withdrawal limit a year on a 365-day rolling basis

Curve warns that as a new customer you may not initially qualify for the standard spending limits above. However, Curve insists its limits will increase over time ‘as you cultivate a spend history with us and pass our account risk checks.’ Curve Black or Metal users may have higher limits and these are detailed within the account section of the Curve app.

Curve Flex

Curve Flex is a new Buy Now Pay Later offering from Curve. You are able to get a refund for a previous transaction of up to 12 months prior which you can then spread the cost of the transaction over a period of 3,6,9 and 12 months. The first payment on the instalment plan will be due 30 days after the refund of the original transaction.

All personal Curve cardholders can use CurveFlex but this is subject to rigorous credit and affordability checks. Curve checking your affordability and creditworthiness will not affect your credit score but setting up an instalment plan will result in a hard credit search and could therefore impact your credit score.

You can find out more about Curve Flex and join the waiting list here.

Is Curve safe to use?

Curve is regulated by the Financial Conduct Authority (FCA) so your data will be protected by the security regulations in place by the FCA. It also doesn’t share your bank card details with any retailers during transactions. Additionally, within the app you have the functionality to lock your card should it be lost or stolen, offering extra security.

Am I protected by section 75 with Curve?

No.

Credit card purchases are covered by Section 75 of the Consumer Credit Act, giving you added protection and the ability to claim and get your money back; however, paying with Curve means that you are paying via a third party and therefore you lose those rights. If you have any concerns over a purchase, particularly higher-value purchases, it is worth purchasing directly with a credit card.

With that being said, Curve stress that consumers are protected by ‘Mastercard® chargeback rights, where refunds may be provided if goods are damaged, not as described, or the merchant has ceased trading.’

Curve has also introduced its own Customer Protection which protects customers money up to £100,000. You can submit a claim for reasons such as: 

  • Goods/Services not received
  • Goods/Services defective
  • Counterfeit
  • Refund failure
  • Duplicate charge

Any claims you may have are to be raised with the merchant first and if no resolution is met, then you have up to 120 days to raise the issue with Curve. It stresses that if you raise a claim with your underlying payment issuer then you’re no longer protected under Curve’s Customer Protection.

Curve Customer Reviews

Curve has received over 4,000 reviews with an average rating of 3.9 out of 5.0 stars on Trustpilot. Only 15% of the reviews rate it as below average and those who scored low tended to comment on an issue with their response time and customer service.

Those who have rated the card as ‘Excellent’ have cited great customer service and like the ability to only need to carry one card around with them at any time.

Alternatives to Curve

In this section of the review, we compare Curve to its competitors.

Curve vs Revolut vs Starling vs Monzo

The below comparison table compares the basic Curve account to its competitors’ basic accounts. For more information on the competitors mentioned in the below table, read our independent reviews:

*Curve offers up to £100,000 protection with Curve Customer Protection

Pros & Cons of Curve

Pros of Curve

  • Easy to use & navigate app
  • Basic card is free
  • Allows you to carry all of your cards in one place
  • Can use cards in places that they aren’t usually accepted, as payment is through the Curve Mastercard debit
  • No hidden fees abroad
  • Curve Customer Protection

Cons of Curve

  • Limits on spending and cash withdrawals could cause problems
  • Everything is on the app so will need wifi or data access to change your card over
  • Advisable to take an additional card with you as payments can sometimes be declined before a spend history is built up (almost defeats the entire object of the card)
  • Cashback offer is only introductory for basic users
  • Not protected by Section 75 of the Consumer Credit Act
  • No FSCS protection

Summary

If you want to have a better understanding of where you are spending your money and like the idea of simplifying your spending whilst also limiting the number of cards you need to take with you, then Curve is for you.

The ‘no hidden fees’ overseas spending feature is especially handy as it is easy to get caught out when travelling and the fees can easily mount up. The feature that allows you to lock the card is useful as ensures you keep your other cards safe and eliminates the annoyance of having to call the bank, which is brilliant if you are abroad.

Being able to flip between multiple cards is clearly Curve’s main selling point and so those that don’t hold multiple cards may want to look at other mobile banking apps such as Monzo, Revolut and Starling Bank. They allow you to spend abroad with little to no fees and have the same instant spending notifications, so it is hard to see where Curve stands out above them.

I personally have a Curve and have used it whilst abroad in the past. I was impressed, however, I am not yet totally convinced and so for now, I’ll continue to carry my other cards with me.

 

Curve Launches Flex – Turn Past Payments From Any Card Into Instalments.

LONDON–(BUSINESS WIRE)–Curve, the fast-growing financial super app, is very proud to announce Curve Flex, a unique rival to Buy Now Pay Later (BNPL). After receiving FCA approval on September 1st, Curve has quietly launched Curve Flex to simplify and unify credit. It offers customers the power to pay later for almost any purchase made at any merchant, from any card, up to a year ago.

Curve Flex builds on Curve’s patented and trademarked Go Back in Time technology to let customers convert almost any purchase made on any card linked to the Curve platform in the past 12-months into an instalment plan; all the customer has to do is swipe to pay later. Curve Flex is better than any existing BNPL solution on the market, as it is not restricted to specific merchants, accounts, cards, or products. It brings control back to the customer and is another step in Curve’s mission to become the super app for money.

Whether a customer wants to split a retail purchase, online order, household bill, or simply has an unexpected need for cash, they only need to swipe a transaction and select the number of instalments. The transaction is then refunded in full almost immediately, giving customers convenience and control over their money. Curve Flex is here to provide seamless and affordable cashflow support.

Curve Flex customers will be able to take advantage of a dedicated team of customer service agents who will be on-call solely to answer questions, amend plans, and help customers navigate their loans.

Curve Flex has been in testing since September 2020 and our 1,600 beta users have already “Flexed” around 7,000 transactions into affordable instalment loans worth over £1m.

Curve’s founder and CEO, Shachar Bialick said: “Why settle for a rigid copy when you can have the real thing? Curve Flex is almost certainly the most flexible credit solution in the market. With no limitations on merchants and the ability to accommodate all Mastercard, Visa, and Discover cards, Curve Flex will provide customers with access to easy and affordable credit.”

Head of Curve Credit Paul Harrald said: “Curve is giving customers the unprecedented ability to convert transactions made up to a year ago into free or low-interest instalment loans. Being able to Go Back in Time and Pay Later is going to forever change how UK customers think about managing their personal finances and cashflow. ”

Sign up to the Curve Flex Waitlist now to learn more.

About Curve

Curve is a financial super app. It is on a mission to be the one-stop-shop for all of a consumer’s financial needs; a single point of access to a wide range of financial products and services, bundling together all your money into one smart card and an even smarter app. Unlike other services available in the market today, Curve allows customers to connect and supercharge their legacy banks to the 21st century, without leaving their bank or signing up to a new bank. Curve is live in 31 markets across the UK and European Economic Area (EEA).

Curve OS Limited is an introducer appointed representative of Curve Credit Limited, which is authorised and regulated by the Financial Conduct Authority (firm reference number 925447). If you wish to use Curve Flex, you consent to Curve OS Limited introducing you to and sharing your personal information with Curve Credit Limited.

Curve Flex is subject to creditworthiness and affordability checks. Terms and conditions apply.

Curve supports Mastercard, Visa, and Diners Club networks. The Curve Card and e-money, related to cards issued in the UK, is issued by Curve OS Limited, authorised in the UK by the Financial Conduct Authority to issue electronic money (firm reference number 900926). The Curve Card and e-money, related to cards issued in the EEA, is issued by Curve Europe UAB, authorised in Lithuania by the Bank of Lithuania (electronic money institution license No. 73 issued on 22 of October 2020).

For more information go to www.curve.com, www.curve.com/flex follow us on LinkedIn, Twitter @imaginecurve and Instagram @imaginecurve, or like our Facebook page.

Curve card – Focus on the Curve Metal (Jan. 2021 Review)

Last updated: 18 January 2021

Metal credit cards in the UK

Metal credit cards have been making waves for the last couple of years in the United States, and the trend is coming to the UK for debit and prepaid cards.

These cards usually come with high-value services, and they answer consumer’s desire for style and status.

They have also proven to be an essential, innovative marketing tool adding differentiation and helping segmentation.

Payments card firm Curve is seizing the opportunity. It has rolled out a metal card combined with exclusive services that have been carefully tailored to meet the needs of the ‘experience generation’.

You’re probably wondering what’s so special about the Curve card and Curve Metal.

So let’s jump right into this Curve review.

What is Curve?

Created in 2015, the London-based Fintech’s growth has been impressive. Curve’s customer numbers reached 300,000 in December 2018, according to its CEO and founder, Shachar Bialick. Over 2 million people have turned to Curve as far as now (January 2021).

Curve aims to provide “One place to spend, send, see, and save money.”

Rather than follow the structure of traditional banks, Curve tries to distance itself from that approach. It acts as the meeting point for all your accounts, allowing you to keep track of your money wherever it is.

By connecting all your accounts, Curve defines itself not only by its mobile nature but also by working as a virtual bookkeeper.

Rather than looking through a mountain of receipts or tabs of online statements, Curve keeps a record and lets you know what you’ve been spending.

But there’s more.

What’s so special about the Curve card?

What makes the Curve card so unique is that it is smart and allows users to keep all of their credit and debit cards on a single card. Curve is an “all your cards in one” app.

  • In other words, the Curve app lets users combine all their bank cards into one: the Curve card.
  • The Curve card in itself is a payment card that aggregates multiple payment cards.

This unique solution means customers can upgrade their banking experience by syncing their debit and credit cards onto the Curve app, enabling them to leave home with just the one Mastercard-backed Curve card.

The Curve card: benefits

Curve is one of the best money management gadgets on the market.

The Curve card is not just a card, it’s a money monitoring tool.

For the first time, users can manage all their spending across all their bank accounts in one place. They can easily see where and what they are spending their money on.

They will enjoy the budgeting insights in addition to the retailer cashback and a much slimmer wallet.

Sounds pretty cool? It is.

We are not through yet. Let’s discover the recently-announced Curve Metal.

The new Curve Metal

There are now three tiers of Curve Card :

  • Curve Blue is free.
  • Curve Black is £9.99 per month with an upgraded offering
  • Curve Metal comes at £14.99 per month, or £150 if paid annually with a broad range of benefits.

The new metal cards offer a host of exclusive benefits.

Not only do cardholders get to enjoy the superior look and feel of Curve Metal, but they can also enjoy unlimited fee-free spending abroad; and get 1% cashback from big names such as Harrods, Selfridges, and Uber.

Other benefits include gadget insurance, worldwide overseas travel insurance, and collision damage waiver insurance for car hire.

Users can also connect to any UK or non-UK credit or debit card and then use those accounts as normal when abroad.

And there’s more.

With the new cross-border in-app money transfer feature launched in December 2019, clients can send and receive money from their Curve accounts across twenty-five currencies free of any conversion fees.

And because all Curve cards are also contactless, all your payment cards become contactless. It sounds simple and it is.

The Curve Metal plan in a nutshell:

  • Premium 18g brushed metal card in 3 unique metal colors
  • Supports Mastercard & Visa debit and credit cards, Apple Pay, Google Pay, & Samsung Pay
  • 1% cashback at six premium retailers
  • Unlimited fee-free spending in 200+ currencies, with access to the interbank rate
  • Free foreign ATM withdrawals up to £600 /month
  • Go back in time up to £1,000, within 14 days
  • Worldwide travel insurance available to residents of the UK (includes lost luggage)
  • Electronic device insurance open to residents of the UK including loss and theft
  • Rental car collision damage waiver insurance with coverage provided by AXA Travel Insurance Ltd.
  • Access to over 1,000 LoungeKey airport lounges worldwide at up to 60% discount.

LoungeKey™ allows you to access airport lounges in a network of 500 premium airports. You can buy a one-time pass at a rate of only £20 per person by paying with your Curve Metal Card. So next time you have to wait at the airport, get comfortable seating and spoil yourself with a bunch of amenities. The average price range of many lounges is £55 to £80.

The time-travel experience

What’s more, customers can get instant notification of all their spending; receive double rewards; see all they spend in one place and use an innovative ‘time-travel’ feature, which allows them to switch which card they use for payments, even after completing a purchase.

Yes, you’ve got it right: you can travel in the past!

More precisely, this feature lets you go back up to 90 days and change which card you used for a transaction.

For example, you paid using a credit card, but you meant to pay with a debit card, the tool lets you go back and swap.

Imagine you paid with your business card, but it was supposed to be a personal transaction.

So instead of going to your accountant to explain what happened, you go on the app and move the transaction to your personal card.

Don’t panic: use the new anti-embarrassment Mode (Dec. 2020)

We know the feeling.

It can be uncomfortable and exasperating to have a payment declined at the till.

If your selected payment card does not go through, Curve will automatically try the backup card you’ve selected within seconds.

So you can pay, seamlessly.

How does Curve work?

Users can store their existing debit and credit cards within a mobile app, the Curve app, which gives the ability to spend from those cards via the Curve card. Customers have complete control over their card.

The app focuses on simplicity.

See how to transfer credit and debit cards onto the app with the video below.

 

3 screenshots from the Curve App (with Curve Blue): selecting the payment card, view of spendings, 1% cashback.

Curve Metal and Thales

Curve has been working with Thales to roll out a solution that is simple, innovative, and premium, which in turn ensures customer retention.

Building on a previously close relationship between the two firms, Thales has been delivering metal cards to the UK-based payments company since 2019, and PVC cards since 2016.

By using metal rather than traditional plastic, Curve has become only the second firm in the UK to adopt a substrate that had never previously been used in the country.

The brief to Thales was simple:

  1. Deliver an innovative card that screams premium quality
  2. Deliver it on budget
  3. Stick to a tight timescale.

As a world leader with a reputation for quality, Thales, along with its partner CompoSecure, rose to the challenge and delivered cards that have a unique value proposition.

The iconic metal card is crafted out of 18 grams of stainless steel is fully contactless and is available in three colors:

  • Blue Steel
  • Rose Gold
  • and Limited Edition Curve Red.

Laser personalization of the stainless steel metal cards is carried out locally by Thales.

The metal card is a great way to strengthen your brand image and differentiate your offering while showing that security and excellence in design can co-exist.” Howard Berg, UK, Ireland & Switzerland, Banking & Payment Senior Vice President, Thales.

In the world of payments, innovation is key

Open banking standards and the European Union “Revised Payment Service Directive” PSD2 are setting the stage for dramatic changes in the banking industry, which, in turn, creates new opportunities.

According to Shachar Bialick, in a recent interview with The Banker, these new regulations allow Curve to exist. About 50% of how Curve works is based on this European regulation.

The more open banking will happen, the more Curve will become a platform, a de facto operating system that sits on top of the entire financial stack allowing users to discover innovative financial products and services, with all the data in one place and with a simple system for configuration.

90,000 US Presidential Election Results: How Biden and Trump Can Win

  • Anthony Zurker
  • BBC, Washington

Photo Credit, Getty Images

After the presidential vote ends a day has passed in the USA, but the name of the winner is still unknown. The votes of more than 160 million Americans continue to count, but a big picture is beginning to emerge of how Joe Biden or Donald Trump can secure a place in the White House.

Trump has already groundlessly declared victory and accused opponents of trying to organize electoral fraud. He wrote a series of tweets that Twitter notes as controversial or untrue.

They claim that Democrats are fabricating voting results. However, this is not the case now. Election commissions still have to count the millions of votes cast in full compliance with the law.

The outcome of the election is decided in several states: Arizona , Nevada , Georgia , Wisconsin , Michigan and Pennsylvania .

This is what candidates need to get to win.

How Biden Can Win

To put it simply, Democrat Joe Biden needs to maintain an advantage in all the states that are now blue on our map: Arizona, Nevada, Wisconsin and Michigan. If he succeeds, he will receive 270 electoral votes – the minimum required to be elected to the presidency.

Photo caption,

Map with election results as of 2100 GMT November 4

An automatically updated map with election results can be viewed at at this link .

In two of those states – Michigan and Wisconsin – Biden took the lead early Wednesday morning when mail-in votes from cities where Democrats were strong began to count. The trends in these places are clearly in his favor.

Biden also maintains a stable lead in Arizona, with many votes still uncounted.

In Nevada, Biden is ahead of Trump by only a few thousand votes, but all the ballots filled in on election day (they gave a lot of support to Trump) are already counted there.Only postal votes remain, which, as a rule, are more helpful to the Democrats.

Apparently, Biden’s path to the presidency now has fewer obstacles than his Republican opponent.

How Trump Can Win

Just like Biden, Trump needs to maintain leadership in the states where he currently has an advantage (they are marked in pink on our map). And in addition to this, the Republicans need to recapture at least one of the “blue” states, where Biden is now leading.

Photo author, Reuters

The advantage of a Democrat in Nevada is extremely small. It takes very little to repaint this state from blue to red.

The picture of events for the president could be much more pleasant if, contrary to expectations, it turns out that the mailed ballots (which were sent on election day, but may arrive later) were filled mainly by Republicans or independent voters who sympathize with Trump.

Another opportunity for the president is Arizona.Just like in Nevada, there are only votes left to count by mail. But in this state, postal voting is more common, and therefore the Arizona Democrats did not receive as many votes from him as in Nevada.

Biden’s leadership in Arizona is far more compelling, but that does not negate the possibility of significant shifts.

As for Wisconsin and Michigan, the situation there is developing in an unfavorable direction for the president. While Trump remains hopeful of victory in these key states in the American Midwest, the numbers he needs are slipping away from him.And in Wisconsin, all the votes have already been counted.

Fallback scenario for Biden

Trump’s path to a second term lies through Pennsylvania and Georgia, where he must maintain leadership, but this does not mean that he has a strong position in these states. The votes that go uncounted in Georgia come from Democratic-supporting neighborhoods near Atlanta.

Photo author, EPA

Photo caption,

“Count every vote.” With such posters, Americans take to the streets on the last 24 hours

More than a million mailed ballots remain to be counted in Pennsylvania.While Trump has a more convincing advantage in this state, the same processes that are taking place in Wisconsin and Michigan may appear here.

If Biden can get Pennsylvania, he can afford to lose both Arizona and Nevada. And if the Democratic nominee conquers Georgia, he will not be prevented from winning by losing in one of these two states (otherwise, the Republican and the Democrat will receive an equal number of electoral votes, and the outcome of the election will be decided by the US Congress).

In other words, unlike Trump, Biden has several different ways to win this race.They may be less likely, but very real.

Battle in the courts

Regardless of the outcome of the election, a scenario that was previously considered the worst for the United States begins to materialize: when Biden says the likelihood of his victory, and Trump brings charges of fraud on his opponent, without providing no evidence.

This is a direct path to a scandal and a protracted battle in the courts. At the same time, supporters of the losing side will be extremely unhappy – and will inevitably feel cheated.

The Trump campaign has already announced that it will require a recount in Wisconsin.

Although the final result of these elections is still unknown, one conclusion can be drawn based on the results of the election night: the United States remains a very divided country.

It cannot be argued that American voters have disowned Trump. But at the same time, they did not give him the unequivocal support he had hoped for. Instead, the warring parties again took up their fighting positions – and the political battle will continue regardless of who this time ends up in the White House.90 011 90 000 The latest data on coronavirus in Russia and the world – Mir – Kommersant

How different countries of the world are going through the coronavirus pandemic – by day and week, what place does Russia take in all this, which Russian regions are leading in terms of the number of cases and deaths – in the material of Kommersant.

How many people are infected with coronavirus in Russia

By September 1, 2020, the number of cases in Russia exceeded 1 million. The daily peak of the incidence fell on November 6, 2021, when 41,335 cases were detected.At the beginning of 2021, the number of detected cases slowly declined, from March 9 to June 8, their number did not exceed 10 thousand.In the second week of June, a sharp increase in the incidence was recorded. On June 11, the daily increase in infections increased by a third in five days. Since mid-October 2021, more than 30 thousand cases have been recorded per day.

David Berov, a 29-year-old employee of the Russian Football Union, became the first citizen of the Russian Federation to contract coronavirus and undergo treatment in Russia. On February 23, 2020, he returned from Italy to Moscow, where he felt unwell and after 4 days he consulted a doctor.In early March, he confirmed COVID-19. By that time, two Chinese citizens who were in Russia, in whom the coronavirus was detected on January 31, were discharged long ago and left the country.

How we came to a million cases

On September 1, Russia became the fourth country in the world with more than a million cases of coronavirus infection. The United States was the first to reach this figure on April 28, Brazil crossed the line of 1 million cases on June 19, India on July 16. On November 19, the number of cases in Russia exceeded 2 million people, on December 26 – 3 million.On May 23, 2021, the number of cases exceeded 5 million, on July 20 – 6 million.

In the United States, the first million cases were reported as early as 97 days after the first detected case, in Brazil after 114 days, in India after 168 days, in Russia after 184.

How many people have died from coronavirus at the moment in Russia 90,040

On March 19, 2020, the first patient with coronavirus in Russia died in a Moscow hospital. The death occurred as a result of pneumonia; the 79-year-old woman had several chronic diseases: type 2 diabetes mellitus, atherosclerosis, hypertensive heart disease.On November 19, 2021, a record was recorded in Russia: 1254 deaths per day from coronavirus.

According to the annual report of Rosstat, 2.124 million people died in Russia in 2020 – 323 thousand more than in 2019. In total, in April-December, 160.3 thousand people died in the Russian Federation, in whom the coronavirus was detected. Of these, 94.2 thousand died directly from him.

According to the WHO, on average, a patient infected with a coronavirus is able to fully recover in 20 days. They are discharged from hospitals only after receiving negative results of two tests carried out with a difference in a day.

Statistics on coronavirus in Moscow and Russian regions

The peak of the increase in cases per day in Moscow in the first wave fell on May 7, 2020 – 6703 people. After that, the number of detected cases began to decline and by the middle of the month it did not rise above 5 thousand. On September 15, the number of detected cases in the capital per day exceeded 700 for the first time since June 30. On September 27, more than 2 thousand cases per day were detected for the first time since June 9. On October 6, the number of new cases per day exceeded 4 thousand.human. October 16 – for 5 thousand June 19, 2021 a new daily incidence record was set – 9120 cases.

The leaders in the number of infected are Moscow, St. Petersburg, Moscow, Nizhny Novgorod and Rostov regions. COVID-19 has penetrated all 85 constituent entities of the Russian Federation.

The spread of coronavirus around the world

China became the first country in the world to pass the peak of the incidence of coronavirus. WHO considers the peak of the epidemic when the number of new infections becomes constant for a while, and then begins to decline.

Dynamics of coronavirus in the world

In terms of the number of cases, Russia is in fourth place after the United States, India and Brazil. More than 5 million infected have been identified in France, Turkey and the UK.

The leaders in the number of deaths are the United States and Brazil.

Online maps and chronicles of the spread of coronavirus in Russia and the world

Since the beginning of the epidemic, Kommersant has been keeping and updating daily maps and chronicles of the spread of coronavirus in Russia and the world, and also collects data on hospitals where they are delivered with suspected COVID-19.

On January 13, 2020, the first case of infection was detected outside China – it was a 61-year-old woman who flew from Wuhan to Bangkok (Thailand). Now cases of the disease have been recorded in 185 countries.

90,000 Skrepa curve: on the vanity of Russian fundamentalism

Last week, Deputy Yevgeny Fedorov excited the media with the message that the government supported his bill to ban abortion, except in cases that threaten the life of the mother, and to introduce criminal liability for them.On closer examination, however, it turned out that no draft law had been submitted to the Duma, and the government’s opinion previously received by the author was negative. The only thing that in this proto-project could have a chance of becoming a reality is the limitation of payment for abortions under the compulsory medical insurance. Indeed, the thesis “believers pay for abortions with their taxes” sounded from the lips of Patriarch Kirill during his speech in the State Duma on January 22. The Russian Orthodox Church is promoting this idea, and it fits into the general trend of budget savings.However, on April 24, the draft of the Samara Provincial Duma of exactly this content was rejected in the first reading. Anti-abortion legislation is not successful in the Duma of all convocations. Not a single such initiative has yet passed beyond the first reading – all of them are either rejected, or returned to the initiator, or withdrawn by him.

In today’s Russia, the struggle for moral bonds in the most serious case is represented by overzealous officials, and on the public front – by small, frankly parodic organizations, whose leadership one wants to call unscientificly freaks.”Party of gray jackets” “United Russia”, embodying stability and collegiality, can afford arbitrarily sexist or traditionalist public statements in the person of its members, but officially avoids brandishing the slogan of Kinder Kuche Kirche: it is enough to listen, for example, to Olga Batalina’s speeches on the same the topic of abortion. Why is it impossible to imagine in Russia politically influential organizations fighting abortion and general licentiousness, modeled on the numerous structures within the orbit of the US Republican Party or the Catholic Church in southern Europe? For lovers of a more dramatic scenario: than Russia, not Iran or Afghanistan, where, according to popular photo collages, in the 1960s.girls in miniskirts also ran, and then there was a fundamentalist revolution and total savagery?

“Russian fundamentalism” and the degree of its existence in reality, and not in the space of propaganda, is an interesting topic. It is clear who is interested in spreading the myth about the generalized “government as the first European in Russia.” The civilized world perceives such a discourse with confidence: Russian bosses may be cynical corrupt officials, but at least they wear suits and look like people, and behind them there are men with axes tangled in their beards.

In fact, about Russian society even more reasonably than about the political system, we can say what Borges is about the Universe: the only thing we know about it is that it is infinitely complex. In Russia, there is a hard-to-describe “grassroots matriarchy” that does not make women’s lives either richer or more protected (although there is a striking difference in the average life expectancy between the sexes – 77.2 for women, 65.6 for men). The gradual disappearance of the non-nuclear family is combined with the cult of children, which is extremely peculiar in its consequences: in Russia, for the sake of children, they get divorced, and abortions are performed, and they are handed over to orphanages (the logic is “then give birth to a healthy child” or “there will be better care for him there”).Homosexuality is understood not as “orientation” (personality characteristic), but as a social stigma, which is associated with the widespread acceptance of the criminal ethos. Therefore, people who send illiterate rays of hatred to the head of an organization working with LGBT adolescents see her as a pest that imposes on children a status with which they cannot live safely in society.

All these things, intuitively clear to everyone who is immersed in Russian society, are poorly translated into the language of social sciences.Our values ​​were determined by the absence of the Reformation – a moral and religious revolt of the lower classes against the upper classes – and, consequently, the non-existence of “Russian Puritans” and the corresponding moral system. From Peter I we inherited the subordination of the church to the state, which is why religious leaders are influential just as much as they are close to the ruling bureaucracy, and not vice versa. The value landscape is dominated by the legacy of Soviet power: atomization, disintegration of family ties, secularity, total involvement of women in the labor market and hyper-urbanization (or, in more romantic terms, the death of an agrarian society and its way of life).

According to the World Values ​​Survey and Professor Inglehart’s research, Russian society combines secular-rational values ​​with a high priority of survival values. In the dichotomy of “survival or development”, it certainly chooses survival – such results are demonstrated by the countries of Africa, Iraq and Pakistan. At the same time, in terms of the degree of separation from traditionalism, Russia has gone far not only from all Islamic and Latin American countries and southern Catholic Europe, but also from most English-speaking countries – Canada, Great Britain and the United States.What does this combination give? In Russia, few people care about moral problems as such – and everyone cares about security. The persecutors of Novorossiysk dancers, haters of “Children-404” and the initiators of anti-abortion legislation do not want to become righteous, fulfill their moral duty or go to heaven. They do not feel righteous anger – they imitate it. They are not worried about morality, but about survival at any cost – in other words, something ideologically opposed to any moral code, traditionalist or liberal.

Is there a positive side to this? Of course. In Central Russia, the appearance of fiery mullah-preachers and their fanatical flock ready for anything is unlikely. We are unlikely to face “honor killings”, social discrimination against unfaithful wives and illegitimate children, and other delights of traditionalism. But moral permissiveness (tolerance for evil – Vedomosti), combined with permanent fear for one’s life and well-being, block the development of both society and the individual. The feeling of basic security, which, psychologists say, should form in a child in the first year of life, so that he has the strength to grow, take risks and learn new things, Russian society, for quite reasonable reasons, does not experience.

Author – political scientist, associate professor of the Institute of Social Sciences, RANEPA

Trump believes that the curve of coronavirus infection in the United States is beginning to level out | Coronavirus

Americans are following the recommendations, the US President noted

The number of coronavirus infections in the United States stops rising. This was stated on Monday at a briefing at the White House by US President Donald Trump.

“The US is heading towards crucial progress in the war against the virus.Over the weekend, the number of new cases continued to level out across the country, he said. – The number of hospitalizations in such hotbeds [pandemics] as New York, New Jersey, Louisiana is decreasing. This is clear evidence that our strategy to combat the virus is working and that Americans are following the guidelines. ”

Anthony Fauci, director of the US National Institute of Allergic and Infectious Diseases, also noted that the numbers are flattening. “We are beginning to observe some stabilization in a number of areas, in particular, in such centers as New York,” he stated.

According to him, Trump immediately listened to the recommendations of the country’s National Institute of Allergic and Infectious Diseases and the White House Coronavirus Coordinator Deborah Birx, when tough sanitary measures were proposed to contain the spread of the coronavirus.

Additional notes

The chief US infectious disease specialist stressed that he was forced to provide explanations after his recent statements in an interview with CNN were misunderstood.Fauci then said that if sanitary measures had been introduced earlier, more lives would have been saved. These words were interpreted by some American media as in fact criticism of the US authorities for delaying their response.

As Fauci explained in the briefing, the question he was asked in the interview had a hypothetical connotation. “Hypothetical questions are sometimes difficult,” Fauci said, stressing that he “picked the wrong words” when answering. The chief infectious disease specialist stressed that he continues to adhere to the same position, but this does not mean that the actions of the authorities were belated.

“The first and only time Dr. Birx and I came in and formally made a recommendation to the president to actually” shut down “[the country], not literally, but in the sense of introducing strong containment measures, the president heeded the recommendations and took containment measures, “Fauci said.

“The second time Dr. Birks and I came to the president and said that 15 days is not enough, and we need 30 days, of course, there were people who considered this problematic due to potential side effects, but the president listened to medical recommendations “, – he noted.

Journalists asked the chief infectious disease specialist whether he decided to clarify the situation on his own, or whether the president forced him to do it. “Everything I do, I do voluntarily. Please don’t even hint at it,” he replied.

Earlier, Trump re-posted a message on Twitter, calling for Fauci to be fired for his words. Later, however, the White House press service announced that the American leader was not going to remove the chief infectious disease specialist from his post in the White House team of specialists on the fight against coronavirus.

Situation in the USA

The American leader on March 29 announced the extension of sanitary restrictions until April 30. Previously, similar measures were introduced for 15 days.

On the territory of the United States, only shops and pharmacies selling essential goods operate, restaurants and cafes accept orders only for take-out. Gyms, clothing stores, spas, cinemas and theaters are closed.

According to Johns Hopkins University, which calculates based on information from federal and local authorities, more than 577 thousand people are recorded in the United States.cases of coronavirus infection, more than 23 thousand people died.

US Government Bonds | US Government Notes Yield

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90,000 Money transfer from abroad to a PrivatBank card / 11/01/2021

Many PrivatBank cardholders are wondering how to transfer money from abroad, for example, from Russia or Poland to Ukraine to a bank card? Employees of “Prostobank Consulting” analyzed all available information and prepared an answer to this question for you. Read about all the options for transferring money to a PrivatBank card from abroad below.

In total, there are three ways that make it possible to receive funds for transfer from abroad to a PrivatBank card in Ukraine:

  1. Swift payment
  2. Transfer to Visa / MasterCard (P2P)
  3. International express translation.

Let’s consider the features of each of the methods.

Swift payment

If you decide to use the option of transferring money through the Swift system, you should provide the sender with information on your currency card, namely, details. You can find out the details on the card, for example, by logging into Privat24 Internet banking (My Accounts – Cards). We talked about this and other ways to find out the details on your card earlier in our article “How to find out the details of a PrivatBank card”.

Useful to know: How to get a SWIFT transfer in Privatbank

Transfer to card Visa / MasterCard ( P2 P)

To receive funds from abroad to your PrivatBank card in this way, you need to inform the sender of the full card number, as well as your full name in Latin. In order to find out the card number, you can use one of the methods listed by us in the article “How to find out the card number of PrivatBank”.

There is also a third way to receive funds from abroad to a PrivatBank card, which we could not ignore – this is international urgent transfer. A complete list of systems that PrivatBank works with is available at the link – https://privatbank.ua/sistemy-denegnih-perevodov

Today PrivatBank works in the following money transfer systems:

A complete list of systems that PrivatBank works with is available at the link -https: // privatbank.ua / sistemy-denegnih-perevodov

In order to use one of the international urgent money transfer systems, you need to provide the sender of funds with your full name in Latin, as well as the country and city of receipt.

The peculiarity of this method is that when you receive the money transferred to you, you can ask to transfer it to the card or receive it in cash at the bank’s cash desk, as it is convenient for you.

Read also: “Answers to popular questions of Privatbank clients and reviews about the bank’s work”

About map projections — Help | ArcGIS for Desktop

Regardless of whether you represent the Earth in the form of a sphere or a spheroid, its three-dimensional surface must be transformed into a flat map sheet.This transformation, performed according to mathematical laws, is called map projection. One simple way to understand how map projections change spatial properties is to visualize the projection of light through the Earth onto a surface called a projection surface. Imagine a clean surface of the Earth with a graticule drawn on it. Wrap a piece of paper around the earth. A light source at the center of the Earth will cast grid shadows onto the piece of paper.You can now unfold the paper and lay it flat. The shape of the graticule on a flat surface of paper is very different from its shape on the surface of the earth. The map projection has distorted the degree grid.

Projecting a spheroid onto a plane is no easier than spreading a piece of orange peel on it – it will be torn apart. When displaying the Earth’s surface in two-dimensional space, the shape, area, length or direction of objects is distorted.

A map projection uses mathematical formulas to relate spherical coordinates on a globe to planar coordinates.

Different projections have different types of distortion. Some projections are designed to minimize distortion in one or two characteristics of the data. A projection can maintain the area of ​​a feature, but change its shape. In the picture below, objects near the poles are elongated.

The diagram below shows 3D features compressed to display on a flat surface.

Map projections are designed for specific purposes. One map projection can be used for large-scale data in a limited area, and another for small-scale world maps.Map projections used for small-scale maps are usually based on spherical, rather than spheroidal, geographic coordinate systems.

Conformal projections

Conformal projections retain small local shapes without distortion. To maintain individual angles that describe spatial relationships, the conformal projection must also represent map grid lines intersecting at 90 ° on the map. This is achieved by keeping all corners.The disadvantage is that the area enclosed by a series of curves can be significantly distorted during the conversion process. All map projections distort the shape of large objects on the earth’s surface.

Equal Area projections

Equal Area projections preserve the area of ​​objects being rendered. It does this by distorting other properties such as shape, angles, and scale. In equal area projections, the parallels and meridians may not intersect at the correct angles.In some cases, especially on maps of small areas, the distortion of the shapes is not obvious and it is very difficult to distinguish a conformal projection from an equal area projection, unless it has been properly identified from documentation or measurements.

Equidistant projections

Equidistant maps store the distances between specific points. The correct scale is not maintained by any projection across the entire map, however, in most cases there are one or more lines on the map along which the scale is kept constant.In most equidistant projections, there are one or more lines, the length of which on the map is equal (on the map scale) to the length of the corresponding line on the globe, regardless of whether this line is a large or small circle, straight or curved line. Such distances are said to be true. For example, in Sinusoidal projection, the equator and all parallels have their true length. In other equidistant projections, the equator and all meridians may be true. Other projections (for example, an equidistant projection of two points) show the true scale between one or two points and every other point on the map.It must be borne in mind that no projection is equidistant with respect to all points on the map.

Azimuthal projections (true direction)

The shortest path between two points on a spherical surface, such as the Earth’s surface, is along the spherical equivalent of a straight line on a flat surface. It is a large circle with two points. True heading projections, or azimuth projections, are used to preserve some of the curves that describe great circles and give correct azimuth directions to all points on the map relative to the center.Some projections of this type are also conformal, equal, or equidistant.

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