Revolutionize your savings circles
Revolutionize your savings circles
Tontine, Rosca, Esusu… whatever the name of your savings circles, Cirkkle brings them together on a simple and secure mobile app, allowing you to save and borrow through your loved ones.
Tontine, Rosca, Esusu… whatever the name of your savings circles, Cirkkle brings them together on a simple and secure mobile app, allowing you to save and borrow through your loved ones.
The advantages of solidarity savings
The advantages of solidarity savings
Your loved ones are counting on you
Your loved ones are counting on you
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
We've had a ROSCA (aka tontine) for 15 years with a group of friends (...) but because of the transfers to my account, I've had home loans refused. Cirkkle solves this problem. You have to try it!
Mame Sanou G.
The advantage of this application is the security of the funds. And everything is automated. In 1 click you deposit your money, in 1 click you get your money back - it's a huge time saver
Sayandé N.
Cirkkle makes people's lives easier and brings a lot of peace of mind. Instead of concentrating on the administrative aspect of the ROSCA, we can focus more on the social links, talking to each other, exchanging more about our projects.
Bobacar D.
Create or import your circles
Customize it from a wide range of features (start, duration, amount, order of beneficiaries, payment and disbursement methods...).
Invite your loved ones
Select the other members of your tontine. They will receive an invitation directly on their phone and will only have to accept the terms of the circle to join it.
Cash in your winnings
Are you the beneficiary of the month? Choose a payout method and receive your tontine pot instantly.
These little extras that
These little extras that
These little extras that
These little extras that
simplify management
simplify management
simplify management
simplify management
Automated management
Invitations, reminders, payments… Cirkkle takes care of everything!
Multiple payment methods
Transfer, direct debit, or card payment.
Each member can choose their preferred payment method, frictionless.
Multiple payment methods
Transfer, direct debit, or card payment.
Each member can choose their preferred payment method, frictionless.
Real-time visibility
Everyone sees everything, all the time. Who paid? How much? When? On Cirkkle, each member follows the progress of their tontine in real time.
Automated management
Invitations, reminders, payments… Cirkkle takes care of everything!
Multiple payment methods
Transfer, direct debit, or card payment.
Each member can choose their preferred payment method, frictionless.
Multiple payment methods
Transfer, direct debit, or card payment.
Each member can choose their preferred payment method, frictionless.
Real-time visibility
Everyone sees everything, all the time. Who paid? How much? When? On Cirkkle, each member follows the progress of their tontine in real time.
The advantages of solidarity savings
The advantages of solidarity savings
Your loved ones are counting on you
Your loved ones are counting on you
Facilitate your access to financing
Do you need to finance a project or an unexpected expense? Unlock your Cirkkle fund!
Giving meaning to your savings
By saving together, you strengthen your social bond and enable your loved ones to fund their projects.
Strengthen your savings
Collective saving encourages greater rigor. If you struggle to save, Cirkkle finally allows you to succeed!
Thanks to Cirkkle, I help my parents by financing part of my studies each year.
Naia's pool
1400€
Facilitate your access to financing
Do you need to finance a project or an unexpected event? Unlock your Cirkkle fund!
Giving meaning to your savings
By saving together, you strengthen your social bond and enable your loved ones to finance their projects.
Strengthen your saving discipline
Collective saving encourages greater discipline. If you're struggling to save, Cirkkle finally allows you to succeed!
Facilitate your access to financing
Do you need to finance a project or an unexpected expense? Unlock your Cirkkle fund!
Giving meaning to your savings
By saving together, you strengthen your social bond and enable your loved ones to fund their projects.
Strengthen your savings
Collective saving encourages greater rigor. If you struggle to save, Cirkkle finally allows you to succeed!
Thanks to Cirkkle, I help my parents by financing part of my studies each year.
Naia's pool
1400€
Facilitate your access to financing
Do you need to finance a project or an unexpected event? Unlock your Cirkkle fund!
Giving meaning to your savings
By saving together, you strengthen your social bond and enable your loved ones to finance their projects.
Strengthen your saving discipline
Collective saving encourages greater discipline. If you're struggling to save, Cirkkle finally allows you to succeed!
Facilitate your access to financing
Do you need to finance a project or an unexpected expense? Unlock your Cirkkle fund!
Giving meaning to your savings
By saving together, you strengthen your social bond and enable your loved ones to fund their projects.
Strengthen your savings
Collective saving encourages greater rigor. If you struggle to save, Cirkkle finally allows you to succeed!
Thanks to Cirkkle, I help my parents by financing part of my studies each year.
Naia's pool
1400€
Facilitate your access to financing
Do you need to finance a project or an unexpected event? Unlock your Cirkkle fund!
Giving meaning to your savings
By saving together, you strengthen your social bond and enable your loved ones to finance their projects.
Strengthen your saving discipline
Collective saving encourages greater discipline. If you're struggling to save, Cirkkle finally allows you to succeed!
Facilitate your access to financing
Do you need to finance a project or an unexpected expense? Unlock your Cirkkle fund!
Giving meaning to your savings
By saving together, you strengthen your social bond and enable your loved ones to fund their projects.
Strengthen your savings
Collective saving encourages greater rigor. If you struggle to save, Cirkkle finally allows you to succeed!
Thanks to Cirkkle, I help my parents by financing part of my studies each year.
Naia's pool
1400€
Facilitate your access to financing
Do you need to finance a project or an unexpected event? Unlock your Cirkkle fund!
Giving meaning to your savings
By saving together, you strengthen your social bond and enable your loved ones to finance their projects.
Strengthen your saving discipline
Collective saving encourages greater discipline. If you're struggling to save, Cirkkle finally allows you to succeed!
Our fees
A free service that grows with you
Basic Plan
(Free)
👉 Bring your large-scale ambitions to life
Contribution amount limited to €100/person,
Up to 3 simultaneous circles,
WhatsApp customer support,
Automation of key tasks
Basic Plan
(Free)
👉 Bring your large-scale ambitions to life
Contribution amount limited to €100/person,
Up to 3 simultaneous circles,
WhatsApp customer support,
Automation of key tasks
Basic Plan
(Free)
👉 Bring your large-scale ambitions to life
Contribution amount limited to €100/person,
Up to 3 simultaneous circles,
WhatsApp customer support,
Automation of key tasks
Basic Plan
(Free)
👉 Bring your large-scale ambitions to life
Contribution amount limited to €100/person,
Up to 3 simultaneous circles,
WhatsApp customer support,
Automation of key tasks
Premium Plan (€9.99)
One-time fee per member
Unlock advanced options for your tontines:
Death guarantee included,
Debt recognition system,
No contribution cap (up to a limit of €5,000 per pot),
Add or replace a member during a tontine,
All features of the Basic plan
Premium Plan (€9.99)
One-time fee per member
Unlock advanced options for your tontines:
Death guarantee included,
Debt recognition system,
No contribution cap (up to a limit of €5,000 per pot),
Add or replace a member during a tontine,
All features of the Basic plan
Premium Plan (€9.99)
One-time fee per member
Unlock advanced options for your tontines:
Death guarantee included,
Debt recognition system,
No contribution cap (up to a limit of €5,000 per pot),
Add or replace a member during a tontine,
All features of the Basic plan
Premium Plan (€9.99)
One-time fee per member
Unlock advanced options for your tontines:
Death guarantee included,
Debt recognition system,
No contribution cap (up to a limit of €5,000 per pot),
Add or replace a member during a tontine,
All features of the Basic plan
Large Circles
(Tailored Offer)
👉 Bring your large-scale ambitions to life
30 members and above
Flexible solution & personalized support
Ideal for collective projects (real estate, entrepreneurship, community)
Our Mission
We believe in more collaborative savings and more accessible project financing.
Inspired by the traditional tontine concept originating from Africa and Asia, our solution connects you with the people you care about, so you can save together more effectively.
Cirkkle is your tontines on a simple and secure mobile app, but most of all, it’s about projects coming to life and dreams being realized!
We believe in more collaborative savings and more accessible project financing.
Inspired by the traditional tontine concept originating from Africa and Asia, our solution connects you with the people you care about, so you can save together more effectively.
Cirkkle is your tontines on a simple and secure mobile app, but most of all, it’s about projects coming to life and dreams being realized!
Discover Cirkkle
Discover Cirkkle
How does it work? Why is it better? We tell you all about it!
How does it work? Why is it better? We tell you all about it!
Join Cirkkle today
Cirkkle is the first app that makes tontines simple, secure, and free. Create and manage your tontines easily – anytime, with your trusted circle.
Download the app now!
Join Cirkkle today
Cirkkle is the first app that makes tontines simple, secure, and free. Create and manage your tontines easily – anytime, with your trusted circle.
Download the app now!
My pool
1400€
Subscribe to our Newsletter
Receive Cirkkle news and updates before anyone else. No spam, just the essentials.
By registering, you agree to our
My pool
1400€
Subscribe to our Newsletter
Receive Cirkkle news and updates before anyone else. No spam, just the essentials.
By registering, you agree to our
Cirkkle, a simplified joint-stock company with a capital of 17,335 euros, whose registered office is located at 249 rue Lecourbe, 75015 Paris, France, registered in the Nanterre trade and companies register under number 918 626 193, is registered with ORIAS as a crowdfunding intermediary (IFP) under number 23004412. Cirkkle is a payment service provider agent (#736637) of CentralPay, an authorized electronic money institution (CIB 17138) in France and regulated by the ACPR (Autorité de Contrôle Prudentiel et de Résolution, 4 place de Budapest – CS 92459 – 75436 PARIS Cedex 09).
Cirkkle, a simplified joint-stock company with a capital of 17,335 euros, whose registered office is located at 249 rue Lecourbe, 75015 Paris, France, registered in the Nanterre trade and companies register under number 918 626 193, is registered with ORIAS as a crowdfunding intermediary (IFP) under number 23004412. Cirkkle is a payment service provider agent (#736637) of CentralPay, an authorized electronic money institution (CIB 17138) in France and regulated by the ACPR (Autorité de Contrôle Prudentiel et de Résolution, 4 place de Budapest – CS 92459 – 75436 PARIS Cedex 09).