This post is brought to you in collaboration with Circle.


Split the bill and send GIFs? Circle is not only making life easier, but making it more fun, too.

It’s no secret that here at GenTwenty we’re very fond of four things: making good financial decisions, apps that make our lives easier, simple solutions, and always having a great time.

Say hello to Circle–which somehow manages to check all four boxes.

How many times have you gone out to dinner with friends only to be the only person who didn’t bring cash? (There’s always that one friend who doesn’t carry cash–that’s me–who makes it awkward when you have to wait to pay the bill with your credit card. Sorry, guys.)

Money matters can get complicated, even when you try to keep it simple. Circle’s goal is to change that by making it convenient, easy, and fun to send money. It’s as quick as sending a text message, and easy enough, too.

What Circle is Doing Differently:

Fees. One of the most irritating things about sending money through apps are the fees. As long as you use your debit card, all transactions are completely fee-free. Bank account transactions are also free, but aren’t instant (this is typical for bank account transfers); and credit card transactions are instant, but incur a small fee (also typical).

Customer Service. It’s no secret that millennials and twenty-somethings love customer service that goes above and beyond. If you ever run into an issue, you can contact them via phone, email or Tweet to them @AskCircle.

GIFs and emojis. We’re an expressive generation, obsessed with emojis and GIFs from our favorite TV shows and movies. Circle is cool because they allow you to send a GIF with your money.

Private and secure. We like to tweet and Instagram our day away, but most of us aren’t too keen on sharing our financial transactions for all to see. Circle doesn’t share any of your activity–they don’t even give you the option. According to their privacy policy, this may change in the future (they’ll notify users, of course), and you’ll still have control over what gets shared via your account settings.

Pin codes and two-factor authentication. Circle keeps your money and account history secure by having two-factor authentication. I love that they make the extra effort to keep your financial information secure–and so no one can steal your money. You use a verification code when you sign into the app and can enable a pin code for when you’re already signed in before you use the app (so you don’t have to sign in and out multiple times).

Hide your balance. This was immediately one of my favorite features. It might be irrational, but I really dislike if someone else can see my balance. The option to hide it (and show it by clicking a button), was the icing on the cake.

A few things you might not love:

Account limits. You can only transfer $300 per week without requesting and increase and providing more personal information like your social security number. I don’t think this would be a problem for the typical user, but if you’re planning to pass large amounts of money back and forth, it could be a constraint.

Two-factor authentication. You get a text message with a login code before signing into the app. I like the extra security, but it takes a few moments longer to login. It’s really based on personal preference, but for me that extra step is a tiny bit annoying, even though I appreciate the extra security. Hopefully in the future, they’ll be able to use Touch ID login.

And that’s it. Those are really the only two downsides I had while using the app.

Send money to your friends with GIFs! Here's how:Click To Tweet

How To Use Circle:

Usually I hate signing up for things. It’s always a hassle to input your bank information, confirm a deposit, etc. No thank you.

But shut the front door because Circle eliminates all of that hassle. You just take a picture of your debit card and you’re good to go. It’s actually amazingly simple.

Here’s a step-by-step guide to Circle:

  1. Download the app (here for Android and here for iOS).
  2. Sign up with your name and email address.
  3. Add your debit or credit card by taking a photo. Alternatively, you can add your bank account by selecting your bank and logging in through Circle’s portal.
  4. Add your friends.
  5. Send and/or request money (add a GIF or emoji to make it more fun)
  6. See your balance and cash out.
It's never been easier to pay a friend for scoring Adele ticketsClick To Tweet

Circle makes paying back friends and family SO easy. Download the app and make the IOU a thing of the past.

Here are a few ways you might use Circle:

  • Splitting an Uber or Lyft ride ?
  • Paying your friend instantly for scoring Adele tickets (we’re jealous) ?
  • Requesting your roommate’s half of the rent ?
  • Sending your car insurance payment to your parents (and a thank you for keeping your rates low) ?
  • Give your friend $5 for spotting you at that cash-only coffeeshop ☕
  • Pay your sister back for your parent’s anniversary present ?
  • Settle up on road trip expenses like gas and food ?
  • Pay your brother back for the Krispy Kremes he bought for breakfast ?

You can download the Circle app here for Android and here for iOS.

Circle makes money between friends no big deal. The IOU can become a thing of the past and you no longer have to keep track of who owes who what. Once everyone in your circle is using Circle, money will never be a hassle again.

Your Guide to Using @CirclePay #circlepayClick To Tweet

Connect with Circle on Twitter, Facebook, Instagram, and YouTube. Don’t forget to share the way you use Circle with the hashtag #CirclePay!

Tired of dealing with cash? Try paying your friends back with Circle!Tired of dealing with cash? Try paying your friends back with Circle!

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