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. Cross our (emoji) heart. The app is even organized by conversations. So you can add a fresh cat pic, an insufferable meme or a golden hour selfie with that cash.

No borders and no fees. No, really.

Circle Pay is available in 29 countries and in US dollars, British pounds and euro. And it won’t cost you money to send it — even between currencies1. No exchange rate markups or fees, and you see the rate right in the app2.

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flip exchange
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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 everyone can throw in what they owe for Taco Tuesday, soccer team fees, Ibiza shenanigans or just about anything else.

Money is a big deal and we take it seriously

We love fun as much as the next guy but we also know what’s important: keeping 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

The new shape of money

Unlike archaic financial systems that are closed and proprietary, ours are open and connected. We’re making it easier for more people in more places to move, share, trade and invest money. And that doesn’t just change money.
It changes everything.

More about us

Circle Invest

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

More about Invest

Poloniex

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

More about Poloniex

Circle Trade

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

More about Trade

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.