Move 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

Yep, paying friends is that simple and that fast. The app is even organised by conversations, just like your texts. So send photos from the night before (to jog their memories), the best dog gifs or your friendship group’s favourite meme along with that cash.

No borders and no fees

Circle Pay is available in 29 countries in euros, British pounds and US dollars. It’s free to send money — even between currencies. No exchange rate markups or fees, and you see the rate right there in the app1.

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A group of friends exchanging currency.

Group plays, group pays

Circle money around in a chat with up to 20 people, so you can quickly settle up for bottomless brunch, footy tix, the Copenhagen trip or just about anything else.

Money is a big deal and we take it seriously

Our features help keep your account secure.

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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

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