Wirecard: Refunds

@Curve_Marie

“In the first instance, the quickest way to do this is to send that money back to you as Curve Cash so you can use it right away. If we are able to process a refund; you will find it on your Curve Cash balance.”

Does this mean that all refunds will be automatically converted to Curve Cash?
I look forward to returning a large amount from RyanAir and I would prefer it not be converted to GBP (I paid in PLN)

Is a refund that is issued now for a purchase prior 26th working or not?

Ha. My refund notification arrived by email on Friday the 26th, stating “ Your refund has been processed! Please note, it may take several days for your financial institution to update things on their end, but everything on our end is complete.”
It’s not a large amount of money, but I’m just curious how it will work out.
Wouldn’t have any problems with it, if Curve would refund it in Curve Cash instead of on the underlying card.

I’ll just sit tight and wait for what’s going to happen :blush:

Another related question with regards to refunds:
I’m waiting for a refund on unused rail tickets but there are a couple of factors:

  • The card number used has changed (Curve card was reissued as an Investor card)
  • The original Curve card would have been Wirecard
  • I no longer have an account with the underlying credit card used - that account was closed in March.

Any idea how the refund will be handled?

Since it is not urgent, but the refund on the original card would be most relevant - is there a possibility to postpone the refund until it can be made directly to my linked and used card?

Hey @andycambsuk

I can answer a few of these based on how refunds are handled generally.

  1. Curve manages refunds on an account basis, so it doesn’t matter if your Curve card has been reissued/changed. Your underlying account remains the same.
  2. Can’t answer this yet, based on this thread Curve is working on a solution.
  3. That’s fine - in such cases refunds can go into your Curve Cash account instead.
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Will refunds with GBIT function as normal once that’s been reinstated?

@Curve_Marie I got two messages in my phone about two incoming refunds and that I needed to log in to Curve and select which card I would like the refund sent back to. This was early Monday morning around 3-4 AM and I was asleep. It would be beneficial if notifications are only pushed out during regular day time, say 7 AM to 10 PM. If a refund comes in overnight - I will gladly deal with it in the morning after.

Only problem with those two notifications and refunds - when I logged into my Curve app, there wasn’t any trace of any refund at all! Not in transaction list, not in the old original transactions, the money are not back to the underlying card and I could select anything at all. No trace at all!

I don’t even know if the filter/search function will sort out refunds specifically, if it can - then I don’t understand how to use it correctly. Of course you should be able to quickly list all your incoming refunds during a certain time period!

To sort refunds in with the original transaction, might sound like a good idea but it’s not! Suddenly recipt totals, from the original purchase do not match - making it very hard to trace the payment to an exact purchase. You have business users here, the accounting and doing paper work where receipts must match the print out from my bank is a nightmare with the current system!

Also, Ikea for example (one of Curve’s own cash back partners) allows for returns and refunds for up to 365 days from purchase date! If I bought last year and for some reason return today, I certainly do not want to sit and scroll back a few hundred lines of transaction from a whole year, just to find if my transaction has been refunded or not.

The refund process desperately needs to be re-thought and re-built from the ground up!

Final note, not everyone deal in GBP, so everyone outside of Great Britain would like to have their refunds in the Euros, Dollars or whatever other currency was used in the original transaction.

4 Likes

Wouldn’t you just use the search tool…?

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@Curve_Marie

After reading the article about refunds, one question comes to me. What happens if refunds are in different currencies f.e. EUR and PLN? Will the refund on Curve Cash be visible in the original currencies of the transactions separately or will it be converted into GBP?

@Curve_Marie

Hi, not happy about this refund to the Curve Cash card as it is in GBP and i am a Euro user. I hope this is not manditory and we can get the refund to a Euro card. Side note, getting the Curve Cash in Euro would be great.

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It is not only euro problem. If all refunds will be converted to GBP this card will be useless for non-UK users…

I prefer to have refund few days later but in original currency and not lossing on FX…

2 Likes

Just as a clarification (not native english here). ’ The refunds process for returned purchases paid for after the 27 June migration means I paid an order the 20 June, I’m receiving the refund the 5 July or I paid an order the 4 July, I’m receving the refund the 5 July?

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@Curve_Marie

Hi, unfortunately refund to the Curve Cash is useless for all non-UK customers. If original transaction was in EUR,PLN,CZK etc. refund will be converted to the GBP.
Also if I move money from Curve Cash to any card this will be converted again from GBP to the currency of selected card. There will we two converted transaction (issue of lossing on FX) and also in my case - bank (KBC) will charge me additional fee for any incoming transaction which is in different currency than my account.

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