Send friends money like you send anything else — easy and free — whether they’re in the same room or a different country. Give your roomie the rent, collect for the big trip in a group text and send your friend abroad a drink on you. All without worry. US dollars are FDIC-insured up to $250,000.

• Pay friends and family instantly with just a phone number or email
• Set up in 30 seconds
• Just as easy to request money (equally important)
* Cash out to your debit card instantly, even nights and weekends

• Free to download and free to use
• No fees and no exchange rate markups between dollars (USD), pounds (GBP) and euro (EUR) — the rate you see on Google is the rate you get
• Cash out to your debit card for, you guessed it, free (We’re the only ones who don’t charge anything)

• We’re centered around conversations not transactions because that’s how people communicate
• Add personality with photos, GIFs and emoji

• Deposits held in US dollars are FDIC-insured up to $250,000 and we’re licensed as a Money Transmitter in 48 US states and jurisdictions
• If you’re sending money to the UK or Europe, you’ll be interested to know that over there we’re regulated as an E-Money Issuer
• Your information is encrypted, your data is private and we’re fully PCI-DSS compliant
• Plus, your account is protected by PIN, Touch ID and two-step verification

• Live support from real human beings
• We make mistakes (just making sure you’re reading)

“The main selling point of Circle is that it lets app users send money to other people, even non-users, in any part of the world.” — Fast Company

“Circle, a money-sending app that works instantly, conducts trades in established currencies like dollars and euros.” — CNN Money

“When you need to split the bill, try Circle Pay, a digital money-transfer system that lets people send dollars and euros through iMessage.” — The New York Times

“Circle Pay lets you send money to your contacts securely and without having to pay a fee. You can send money in dollars, euros or pounds. And unlike Square Cash, Circle works internationally.”
— Macworld

What's New

Version 3.65.0

We update Circle Pay regularly with new features and bug fixes. Update the app to see what's new!

Love our app? Please consider leaving a review in the App Store.

Encountered an issue? Let us know at and we'll fix it for you.

Customer Reviews

4.8 out of 5

7.5K Ratings

7.5K Ratings

Do not download.


It has been more than 3 days since they have locked my account and I am still unable to cash out Money that was sent to me. It's like they are holding on to my money for no reason, what kind of company is this ? They tell me to email them my problem but I seem to always find my self waiting a day for the same old response. "They are reviewing your account it should take 1-3 days" but it has been PAST 3 days. I repeat DO NOT download this app. I am no robot, I am a college student that is struggling with money and I thought this app would help by having family members send me some cash. I recently had 85$ sent to me by a family member and now I can't even refund it back to them or cash it out to my bank account. That was money I needed to make it back to school on time with us fees. So I was stuck for a few days. All because this app decides to take away your access to receive or send money out of no where. And to the app, please do not comment saying email you because I've sent at least 4 messages within 4 days and I've got the SAME EXACT RESPONSE EVERY TIME. This app is a peace of sh

I wish all banking went this quickly & smoothly


Far superior to other money sending apps. $5 referral bonus and free debit card instant withdraw FTW!

After booking a vacation for myself and a friend, I requested her portion on Circle’s app (with a cat gif, obviously). Within minutes she downloaded the app, added a debit card and sent me money. I cashed out in the app and then instantly received an alert from my bank that money had been deposited. So easy. So smooth. Zero stress, unlike most other forms of banking / sending or receiving money.

I’m going to continue to force all my friends to download to send me money or receive money from me. Also probably my mom, because it’s easy enough for her to handle. Which is saying a lot!

Ridiculous Verification process


If it wasn’t for the ridiculous verification process then this app would be the best. Do your verification diligence before you allow to use it and not block it when the money is in the account. Because of so many bad reviews about your process I tested it with just $10 that now has been locked for a week. An advise to everyone do not run with this right away and put too much money at first if you don’t want your money to be kept hostage and also prepare to be locked at some point for them to verify you holding your money.
They act like a cop hiding to get you a ticket. I got my account locked with $10 on January 3rd, today is January 18th and account is still under review. Be careful with this service if you don’t want to lose your money. January 22- account still under review.


Circle Internet Financial, Inc.
142.1 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
English, French, German, Italian, Spanish
Age Rating
Rated 4+
© 2017 Circle Internet Financial, Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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