“Company has the right to end a contract”. I think it is more complicated than that. @Lucas
As for the change in solution, let me argue by analogy. Originally, I set up a product that allowed you to use, say, Visa. It used a backend API that customers did not see just like all other card processing: customers do not see my backend and do not care. I change the solution to a pre-paid wallet (a legacy solution) and introduce a fee after a very considerable delay. The end result to you is the same, namely using the Visa card: in fact, it is much less convenient upon proper analysis as I now charge you 0.65% of the amount.
How does that add value to the client? The end product to you is the same, i.e.using a Visa card, and now it costs 0.65%: rather like, in economic terms, if I offered you 0.65% interest and then changed it to be 0.00%. I am sure that all businesses would like to pass through their costs to their clients: yet, most manage a rather more subtle approach
Curve is now trying what is, in effect, a bundled current account product (in terms of ‘benefits’). All UK retail banks tried that years ago and now do not. Why will Curve do any better? The trouble is that Curve, in my submission, has a very cool set of ideas but makes no money: hence, it wants to change its model to a monthly fee and % commission.