Circle Pay

Send money between currencies, countries and friends

App screen to show how to send and receive money to friends.

As easy as texting

Quickly and easily pay friends almost anywhere, free of charge.

Quick cashout

Instant cash out means you get your money almost immediately.1

Group pays

Settle up with friends through a group chat with up to 20 people, so everyone can throw in what they owe.

App screen to show how to send and receive money to friends.

No borders. No fees.

Circle Pay is available in 29 countries in British pounds, US dollars and euros and is free to use. If you send money between currencies, you’ll see the current exchange rate right in the app before you send2 and there are no exchange rate markups or fees3.

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We take your security seriously

We know keeping your account secure is what’s important.

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We're an Electronic Money Institution supervised by the Financial Conduct Authority (FCA)
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Two levels of encryption for your account details
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Two-factor authentication is required for login, and text verifications are automatically enabled
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Fingerprint ID and Face ID (iPhone X) can also be set up

1 Cash withdrawals are subject to the Faster Payments Services, which can take up to two hours.

2 Circle doesn’t charge for currency exchange transactions. It’s possible your bank may charge fees for using our services. The above referenced exchange rates are provided for illustration purposes only.

3 The actual exchange rate for a transaction will be displayed to you in the Circle Pay app at the time you complete a transaction.