Save together.
Get paid on time.
Start a savings circle with friends, family or colleagues. Circlo collects everyone's contribution automatically and pays each member on their day. No chasing, no excuses.
Four steps to your payout
Create a circle
Name it, set the amount, choose weekly or monthly, and pick how many members. Takes 60 seconds.
Invite your people
Share a link on WhatsApp. Members join with their BVN-verified account, so everyone is who they say they are.
Contributions run themselves
Circlo debits each member's card or account on schedule. Everyone sees who has paid, in real time.
Get paid on your day
Your full payout lands in your bank account on your turn. Need it earlier? Swap turns with another member.
How big is your payout?
Build your circle
Add the names of people you'd save with. Tap a name to remove it.
Your money, protected
Held by a licensed bank
Contributions sit in a ring-fenced account with our partner bank until payout day.
Every member verified
BVN and phone checks for every member, so strangers can't join your circle.
Payout guarantee
If a member misses a payment, our cover fund pays you in full and we recover it from them.