Save Together. Grow Together.
Run your jameya with people you trust
CIRCUL helps you organise a savings circle (jameya, ROSCA) with family and friends: who pays, who receives, and when. Members transfer from their own bank to the organiser, and everyone sees a clear status for every transfer.
- Invite-only circles that you control
- Members pay the organiser, who pays each turn. CIRCUL never holds your money
- A clear status for every transfer, every month
CIRCUL is in a private TestFlight beta. Coming soon to the App Store and Google Play.
How a circle works in CIRCUL
Create the circle
The organiser sets the contribution, the schedule and the number of members.
Invite people you trust
Share an invite link or a 6-character code. The organiser can approve each new member, and sets the turn order before the start.
Pay the organiser
Each cycle, members transfer their contribution from their own bank to the organiser’s IBAN and tap “I’ve sent it”. The organiser confirms what arrived.
The recipient gets the pot
When every contribution is confirmed, the organiser transfers the pot to that turn’s recipient, who confirms it arrived.
- Members
- bank transfer
- Organiser
- bank transfer
- Recipient
What you get
A record for every cycle
Each transfer moves from due to reported to confirmed. Organisers see who has paid and who hasn’t, cycle by cycle; members see what they owe, to whom, and when their turn comes.
Hide your name
Other members can see a friendly alias such as “Golden Falcon / الصقر الذهبي” instead of your name. The organiser always sees who you are.
IBANs shown only where needed
Members see only the organiser’s IBAN. Your payout IBAN is shown only to the person who pays you.
Scan your IBAN
Take a photo of the IBAN in your bank app or on a statement. The text is read on your phone and the photo is not uploaded.
Proof of transfer, read on your phone
Attach a screenshot or the bank’s SMS and CIRCUL reads the amount, date and reference on the device for you to check. Attaching the image is optional.
Disputes and more time
If a transfer didn’t arrive, the receiver can dispute it and the payer sends again. The organiser can give a member more time.
Arabic first
Arabic, English and French, with full right-to-left support and an optional app lock with Face ID or your device passcode.
Simple sign-in
Sign in with your phone number (a 6-digit SMS code), with Apple or with Google.
Pricing
Joining a circle is free. Your first circle is free to create, and you get 3 welcome CU (CIRCUL credits). After that, creating a circle costs CU once, by size only: 1 CU for 2–6 members, 2 CU for 7–12, 3 CU for 13–24. CU come in in-app packs of 5, 15 and 40.
CU are not money: they cannot be withdrawn, transferred or used to pay contributions, and they do not expire. CIRCUL never takes a percentage of the money in your circle, charges nothing on transfers, and offers no loans, interest or credit scoring.
Common questions
What is CIRCUL?
CIRCUL (سركل in Arabic) is an app to organise savings circles (jameya, ROSCA) with family and friends: the schedule, the turn order, and a clear record of who has paid and who has received. It is an organising and record-keeping tool, not a bank.
Does CIRCUL hold or move my money?
No. CIRCUL never holds, moves or guarantees money. Members transfer contributions from their own bank accounts to the organiser, and the organiser transfers each payout to the recipient. CIRCUL only records what members report and confirm. Only join circles with people you trust.
Who do I pay my contribution to?
Directly to the circle’s organiser, from your own bank account, to the IBAN shown in the app. After you transfer, tap “I’ve sent it” so the organiser can confirm it arrived.
How much does CIRCUL cost?
Joining is free. Your first circle is free to create and you get 3 welcome CU. After that a circle costs 1 CU for 2–6 members, 2 CU for 7–12 and 3 CU for 13–24, paid once when you create it. CU are sold in in-app packs of 5, 15 and 40.
Where can I download CIRCUL?
CIRCUL is in a private TestFlight beta. It is coming soon to the App Store and Google Play. Contact us through the support page if you would like to try it.