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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.

Disclosures

Instant withdrawals require a linked debit card and most debit cards are supported. Availability of funds subject to your bank's availability schedule.

Group payments

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.

group payments

The more the money-er

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.

Free — here, there or anywhere

We don’t charge anything to send money, whether your friend’s in the bar or in Barcelona. Your dough goes wherever it wants. If you do send between currencies, here’s more to love:

  • 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.

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Disclosures

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.

Secure. Because it’s important.

Money is a big deal and as a registered money services business (MSB) with the US Treasury Department’s FinCEN, we take it seriously.

  • Insured

    Deposits held in US dollars are FDIC-insured up to $250,000.

  • Encrypted

    We use two levels of encryption for your account details.

  • Protected

    You can set up PIN, fingerprint ID, Face ID (iPhone X) and text verifications.

Really? Still don’t have Circle?