Circlworld — Your savings group, on the record.

A savings circle is a group of people who agree to contribute a fixed amount at regular intervals. Each period, one member receives the total — called the "hand." The cycle continues until everyone has received theirs. When you join a circle on Circlworld, here is what happens: Your Treasurer sends you an invite link. You click it, create your account, and complete identity verification (a photo ID and a selfie — takes about 2 minutes). Once verified, you are in the circle. You will see your circle's name, the contribution amount, the frequency (weekly, fortnightly, or monthly), and your position in the rotation. Your position tells you when you receive your hand. When the contribution is due, you transfer the agreed amount to the circle's designated account — by bank transfer, standing order, or mobile payment. Your Treasurer confirms the payment on the platform. That confirmation is recorded and becomes part of your Financial Reliability Record (FRR). That is it. Contribute on time, every time, and your record grows. After your first cycle, you will have a verified savings history that proves your financial discipline to anyone who needs to see it — lenders, landlords, employers. The circle does not require a subscription. You can participate on the free Explorer tier. If you want your record to be shareable and verifiable outside the circle, upgrade to Builder (GBP 9.99/month).

Your first circle in 5 minutes

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