Help your community hit their financial goals

Give your family, friends or community group the opportunity to save for their goals using Circles 360

Download the app
 

Start your own savings group on our platform 

Easily set up your own Circle and send your community a link to sign up.

Help your friends, followers or community to save. 

Build your brand or business.

Get Started

What is a Circle?

A Circle is a group of people who agree to:

  • save a set amount

  • on a simple schedule

  • towards a shared or individual goal

Circles 360 is the tool to organise these groups while preserving transparency and accountability throughout the savings journey.

Start your Circle

Your benefits

Less Chasing
Automated nudges and reminders reduce your time in following up so your group members stay on track with minimal effort.

Full Transparency
Everyone in your savings group sees the same terms, progress, and payment status, boosting trust and reliability.

Better Habits, Shared Momentum
Saving socially makes it 3x easier for your group members to stick to their plans and reach goals.

Save Faster, Responsibly
Savings groups create a structure to help your members reach their goals sooner, without relying on expensive borrowing or debt.

What others have done

Be part of an ever growing community of like minded individuals

Eman

Eman helped his community to save over £100,000

Brooklyn

Brooklyn helped her instagram followers to build better savings habits through our platform

Natalie

Natalie is inspiring and empowering women to build emergency funds

Dumitru

Dumitru is helping Romanians in the UK to build their UK credit score on our platform 

How Circles 360 Works

  • 1. Someone starts a Circle

    It takes minutes to set the terms (how much and for how long). Anyone can do it.

  • 2. Friends join

    Invite your friends, family or community group members via WhatsApp or a link.

  • 3. You pay each other directly

    Circles 360 never touches your money. Pay your friends via your own bank or payment app.

  • 4. Everyone sees what’s happening

    Everyone has full transparency - who’s paid, who’s due and how the group is progressing.

What our Members think

 
 
 

FAQs

Here are some of our most frequently asked questions. Please contact us if you can’t find what you’re looking for here.

  • No. Circles 360 never holds or moves your money.

    All payments happen directly between you and other members, using your own bank accounts or payment apps. Circles 360 simply helps you organise, track, and stay accountable.

  • Your group agrees:

    • who pays

    • how much

    • when

    Circles 360:

    • reminds you when it’s time to pay

    • shows who has paid and who hasn’t

    • keeps everything transparent for the group

    You make payments outside the app, directly to the person you owe.

  • Circles 360 makes it very clear who has paid and who hasn’t.
    This transparency:

    • reduces awkward conversations

    • helps groups deal with issues early

    • encourages reliability

    Ultimately, Circles are built on trust and Circles 360 just makes that trust visible.

  • Yes. One of the key benefits of Circles 360 is shared visibility.

    You can see:

    • who’s in your Circle

    • when payments are due

    • who has paid

    • overall group progress

    This helps everyone stay aligned and accountable.

  • Please click here to download a copy of your terms of service.

  • No, as Circles 360 is simply a digital tool to help you manage your group informally, there is no interest paid out.

  • We have a marketplace of offers and discounts in our Circles 360 app! So please check your dashboard regularly for exclusive deals - you might just find it’s for the exact thing you’re saving for!