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The bad? It only supports two foreign currencies, Euros and British Pounds. The company claims it doesn't mark up exchange rates, either. International PaymentsĬircle bests many person-to-person payment apps in that it offers international payments. Venmo charges 25 cents for expedited money transfers to your bank. Square Cash offers an auto-cash-out feature, but for that you'll pay a 1 percent fee. You do need to hit Cash Out with Circle to get the money into your bank account it doesn't flow there automatically. Zelle is similarly fast-unless the recipient hasn't enrolled in that service, in which case it takes 1 to 3 days. When I made a test payment, the money was in my friend's checking account within minutes. One of the best things about Circle is how fast you can get money into your bank account, and with no fee. You can even request to bump up your limit in exchange for entering details such as your social security number. Most payment services let you build up your limits as you continue to use them reliably, and Circle is no different.
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That's less than Google Pay's $10,000 weekly limit. My initial payment limit was $400 per week, which is in the ballpark of Venmo and Square Cash, which start you out with a limit of $300 and $250 per week, respectively. You can use Face ID or Touch ID to OK payments, however. Unlike Square, Venmo, PayPal, and Apple Pay, Circle doesn't pop up when you tell Siri to pay someone $5.
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It doesn't create a social network where all you friends can see your payments, as Venmo does that could be a plus or a minus, depending on your perspective. Like Venmo, Circle tries to gamify payments with emoji and animated GIFs in the chat interface used between you and the contact you're paying or receiving money from. Unlike Venmo, Circle doesn't force you to add a comment for each payment, though it is an option. The Banks choice lets you either add money to your Circle account or cash money out to your actual bank. The New button just takes you to the same numeric keypad screen. Five icons atop this mode-New, Banks, Transactions, Friends, and Settings-give access to everything you need. Messages mode is where you see your account activity and details. The first and last simply display a big numeric keypad. It has three main modes, accessed by choices all the way at the top: Send, Messages, and Request. The app's interface is pleasingly designed.
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I entered my CVV number and ZIP code, and, voilà: The app was ready to pay! Using Circle to Pay and Request Moolah Note that Circle doesn't accept credit cards, only debit cards this lets the service stay free, as transactions using credit cards invariably come with fees. You can do so by entering your Debit Card number with a keypad, but tapping a camera icon simplifies this process by letting you take a picture of the card instead. It wouldn't be of much use if you didn't connect it to your bank, which is next. Next it asks permission to send you notifications.įor me, the next step was verifying myself by having the app send a text message from my phone to Circle. After this, the app asks to find your friends by accessing your Contacts.
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You can sign up simply, using your Facebook account, or you can create an account with an email address. The setup process is very clear and well designed. On Android, you have to allow privacy access to your identity, contacts, SMS, photos, and camera. I installed Circle on an iPhone X and a Samsung Galaxy S6.
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Pricing and Starting UpĬircle Pay is free on both mobile app stores, and is a reasonably small download for both Android and iOS. For those features, consider apps like Apple Pay, Venmo, or Samsung Pay. But forget about paying in stores or on websites, or taking advantage of loyalty programs, or paying with your voice. Another benefit is that you don't pay any fees to have money quickly dumped into your bank account. But unlike Venmo and most others, it does let you send money internationally, though not to as wide a selection of countries as Xoom or PayPal. Like Apple Pay and some other payment apps, it uses a messaging interface for your transactions. Best Malware Removal and Protection SoftwareĬircle Pay, backed by financial powerhouse Goldman Sachs and other major investors, is a Venmo competitor with a few distinguishing characteristics.