ROSCA: the complete guide to understanding and joining a savings group

Aïssa N.

Mar 19, 2025

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ROSCA: the complete guide to understanding and joining a savings group

The ROSCA is a tool for collective and solidarity savings that is still too little known. This guide explains everything you need to know before you get started.

What is a ROSCA?

A group of people saves together, and each person receives the total amount in turn. No interest, no bank fees, but a community organization.

Why join a ROSCA today?

  • To finance a personal project
  • To save in a disciplined manner
  • To help each other in a solidarity framework

How to join a ROSCA with Cirkkle?

  • Download the app
  • Join or create a group
  • Set up your ROSCA
  • Start contributing easily from your smartphone

The ROSCA 2.0 exists

With Cirkkle, everything is automated, secure, and shared with complete transparency. The ROSCA becomes a modern tool for solidarity saving and credit.

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).