Features and Benefits
Circles 360
Saving works better together
Most people don’t struggle to save because they don’t understand money. They struggle because saving alone is hard to stick to.
Circles 360 helps people save together…for shared goals, shared plans, and shared accountability.
Circles 360 is free to download and use.
No credit.
No fees.
No hidden costs.
No borrowing.
No one holding your money.
Just people helping each other build better money habits.
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 keeps everything clear and transparent so the group stays on track.
What are the benefits?
Less chasing
Automatic nudges keep everyone on schedule. No awkward reminders or follow-ups are necessary - the app does it for you.
Full transparency
Everyone sees the same terms, progress, and payments.
Better habits, shared momentum
Saving together makes it easier to stay consistent, create accountability and make progress towards your goal.
Save faster, responsibly
Circles can help you reach your goal sooner - without relying on expensive borrowing - so you’re more likely to stick to your plan and buy what matters without borrowing or interest.
Trust over time
Reliability reviews show who pays on time, helping groups form with confidence.
Would you prefer a more integrated option? Or more built-in marketing features to scale your business faster?
Fully featured and customised platform configured for your business with unlimited Members, operators and our full marketing package
All the features of the 360 package but with more capacity, automated Circle management and integrated CRM
FAQs
Here are some of our most frequently asked questions. Please contact us if you can’t find what you’re looking for here.
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Communication with your Members is key. We can offer connectivity to Mailchimp for free, which will send some automated emails on your behalf (welcome, joined a circle and draw day). Otherwise let us know how you plan to engage with the Members of your groups.
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When we’ve run these ourselves in the UK or with bank partners in other countries, we have operated under regulatory supervision. However, many informal groups do not take on the hassle of regulation. If you continue growing, and especially advertising, you may want to consider regulation - we’d be happy to discuss our experience and even provide some lessons learned.
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In Circles 360 you manage your payments manually using the platform to track who has paid in, missed payments and generate the Draw for payouts. It is possible to automate the manual payment process and this is part of our Circles Pro package. If you would like to discuss an upgrade to Circles Pro, please contact us.
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Promoting your new platform to reach a wider audience will be a key way to generate more revenue from your Members’ fees. We have a library of marketing templates designed from our best practice processes. Every week we’ll provide useful tips and guidance, including excerpts from our marketing templates, to help you reach more, new users.
For the full template library and personalised guidance from our expert team, talk to us about Circles Pro.
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Typically, people running Circles charge a fee to the Members - since they are organising the group, running the Draw and collecting money.
These fees can either be taken each month from those paying in, or from the Draw payout.
You can also make money through partnership deals - gaining a kickback from retailer offers relevant to your Members' reasons for saving.
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If you have a group of 10 saving $200 each month, there’s $2,000 in the pot each month. That's a grand total of $20,000. Circles 360 is adding only a 1.8% total cost at today’s price of $360… that’s less than a card fee at the shops.