Think texting for money
We’re built around conversations, not transactions. (We’re people not banks.) Everything’s arranged by who you send money to or receive it from. Plus, include photos, GIFs and emoji-filled musings with your cash. It’s all about sharing value.
Cash in a flash ⚡
Instant cash out means money when you want it, aka right now. Even if it’s 10pm on a Sunday. Plus, we don’t charge you anything for this. It's your money, after all.
Instant withdrawals require a linked debit card and most debit cards are supported. Availability of funds subject to your bank's availability schedule.
Zip money around in a chat with up to 20 people, so you can quickly settle up for Taco Tuesday, soccer team fees, Becky’s shower gift or anything else with the gang.
The more the
Getting everyone you know on Circle makes paybacks super simple. Plus, you and your friend both get $5 when they sign up. Here's the deets.
- See the exchange rate in the app before you send to another Circler
- Relax knowing there are no exchange rate markups or fees 👏
- Send in your currency, your friend gets it in theirs
Check it out for yourself — the rate we get is the rate you get.
Circle doesn’t charge for using our product. It’s possible your bank may charge.
The above reference exchange rates are provided for illustration purposes only. The actual exchange rate for a transaction will be displayed to you in the Circle Pay app at the time you complete a transaction.
Deposits held in US dollars are FDIC-insured up to $250,000.
We use two levels of encryption for your account details.
You can set up PIN, fingerprint ID, Face ID (iPhone X) and text verifications.