Curve Fronted: How To Navigate Paying Your HMRC Self Assessment Tax Return With A Credit Card

January 31st. Sweat is dripping from your brow. The deadline. The panic slowly kicks in. But don’t worry. Curve’s here to help.

If you’re self employed, in a business partnership, for other reasons listed here on the government’s website, you’ll need to fill out your self assessment tax return. HMRC won’t accept your personal credit card, but they will accept Curve, as it’s a debit card.

Curve Fronted

Curve Fronted lets you pay your tax bill with a credit card for a small fee, so you can spread the cost if you need to. You could also rack up rewards points on your underlying credit card.

How does it work?

So, HMRC won’t accept your personal credit card, but they will accept Curve, as it’s a debit card. So by adding your credit card to Curve and selecting it as your default card, you can pay your taxes with your credit card.

If you’re a Curve Metal customer, using Curve Fronted is completely free. If you’re on Curve Blue or Curve Black, you’ll be charged 1.5% per transaction. The fee will be charged straight to your credit card when you make the payment.

Upgrade to Metal and start using Curve Fronted right away. Your Fronted benefits will start immediately with your current card, so you can pay for your taxes with your personal credit card for free (while your new shiny Metal card arrives to your front door).

Guide To Filling In Your Tax Return

We know how difficult it is to fill out your tax return and hold onto that last ounce of sanity you have left. It’s easy to be Homer in this situation, but with our guide you can be more like Ned and get it done.

Bearing this fantastic news in mind, it’s probably time to get cracking on that tax return! Here’s our quick guide:

Getting Started

First things first. Take a deep breath and hold your Unique Taxpayer Reference number snugly. Get a good night’s rest and listen to some soothing ocean sounds to help calm you.

Keep Records!

We can’t stress this enough. Maybe you haven’t been on top of things this year, but for the future, make a habit out of it. Keep track of your income but also any expenses that are related to your business—these can be deducted from your yearly income which means you’ll pay less tax.

Do You Need An Accountant?

You don’t strictly need an accountant to do your tax returns. For the first year though, it may be wise, especially if your returns are of the more complex variety. Some say that the amount saved by using an accountant is enough to pay for the accountant’s fees, so if you want less hassle then getting an accountant might be the way to go.

Be On Time Or Pay A Fine

If you want to save yourself an automatic £100 fine, then consider submitting your form on time. Good luck and see you on the other side!

Got any more questions about Fronted? You should be able to find the answers in our FAQs section. Or you can contact our Customer Experience Team in-app or by emailing