Send money between currencies, countries and friends

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

As easy as texting

Paying friends is that simple and fast. And the app is organized by conversations (just like your texts). So send a fresh cat pic, an insufferable meme or a golden hour selfie with that cash.

No borders and no fees

Circle Pay is available in 29 countries and in US dollars, British pounds and euro. It’s free to send money — even between currencies1. No exchange rate markups or fees, and you see the rate right in the app2.

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A lightning bolt icon to show instant cash out.

Cash in a flash

Instant cash out means money when you want it, aka right now3. Even if it’s 10pm on a Sunday. Plus, we don’t charge anything for this.

A group of friends exchanging currency.

Group plays, group pays

Zip money around in a chat with up to 20 people, so you can quickly settle up for Taco Tuesday, soccer team fees, Ibiza with the hostel crew or just about anything else.

Money is a big deal and we take it seriously

Check out these features that help keep your account secure.

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

New shape of money

At Circle, our products are built to leverage blockchain technology so we can connect more people in more places. And that means more access for more of us — and, ultimately, a more inclusive global economy. About Circle

  • Circle Invest illustration

    Invest in crypto even if you’ve never invested in crypto. Circle Invest

  • Circle Pay illustration

    Send money between currencies, countries and friends. Circle Pay

  • Circle Trade illustration

    Trade crypto OTC with our global desk that moves $2B+ monthly. Circle Trade

  • Poloniex illustration

    Buy and sell on one of the world’s most active crypto exchanges. Poloniex

1 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.

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

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