Circles
A circle is a savings group you run with people you already trust — family, friends, colleagues or your community. Everyone contributes the same amount each cycle, and each cycle one member receives the pot.
A private group you invite
You decide the contribution amount, how often it's paid, and who's in. Members join through a private link and you approve each one.
A clear turn for everyone
Once the group is full, the payout order is fixed and visible to all. No confusion about whose turn is next or when the money lands.
Money moves between members
Vouchcircle never holds or transfers funds. We show the right bank details at the right time, and record who has paid.
Accountability built in
Payments are confirmed by both sides, disputes can be raised with proof, and missed payments affect a member's reliability score.
Who circles are for
Anyone who already saves informally with people they know — and wants the record keeping, turn order and payment tracking handled properly instead of in a group chat or notebook.
Not sure yet? See how it works.