We don’t need another finance app - we need each other

Save together with the people you trust

Circles 360 is the simplest way to organise group saving without chasing, creating spreadsheets, or awkward messages

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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.

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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.

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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.

“Saving on my own never worked. Saving with other people did. Circles made it feel easy and I actually stuck to it.”

Ade, London

— Former StepLadder Member

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 360 is

✔ A tool to organise group saving
✔ A way to stay accountable together
✔ A shared dashboard for progress

What 360 isn’t

✖ Not a bank or an eWallet
✖ Not getting into debt
✖ Not Buy Now Pay Later

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!

Around the world, people save together in informal groups - known as ROSCAs, stokvels, tandas, ajos, gameyas, tontines and many other names.

Circles 360 isn’t a new idea.

It simply gives this trusted behaviour a digital, easy-to-use tool without changing this traditional, trusted method of saving.

People around the world have always saved this way

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