1. Join a circle
A group of people who trust each other agree to save together. Everyone puts in the same amount on the same schedule — weekly or monthly. The person who sets up the circle invites members with a private link, and approves who joins.
How a savings circle works
A rotating savings circle is a simple, very old idea: a group saves the same amount together each cycle, and each cycle one member takes the whole pot. Everyone pays in the same, everyone gets one lump sum.
2. The rotation order is set
Once the circle is full, each member is given a turn. The organiser either sets the order manually or uses a random draw. Members only ever see the final order, so nobody can tell which method was used.
3. Everyone pays each cycle
In each cycle, every member sends their contribution straight to whoever's turn it is — a normal bank transfer, from your account to theirs. Vouchcircle shows you who to pay and their details. We never hold or move the money.
4. Payments are confirmed (or disputed)
The payer marks the payment as sent, and the person receiving it confirms it arrived. If something doesn't add up, either side can raise a dispute with proof, and the organiser sorts it out. Late or missed payments lower a member's reliability score, which other members can see.
5. The circle completes
When everyone has had their turn, the circle is finished — each person has paid in the same total and received one lump sum. The organiser can then start the same circle again with one tap.
Ready to try it?
Set up your first circle in a few minutes, or read more about circles and pools.
Create your circle