Yes is true that need to make first transaction with card once it comes, but is not like you think curve is not like other apps and don't need deposit money to them, you pay with curve card while you have attached another card on curve app, is like your firewall to not pay with your real bank card on internet and be more safe, and you can also use the card to make a cloud account like aws or another and get the 5£ bonus, so not lose nothing.