Social payments app Circle has formally launched in Ireland, enabling people to connect their Irish bank account to Circle to send, receive and request p2p payments, with native Euro support, to friends and family within their countries and across borders instantly, at the best exchange rate available to consumers with zero fees.

Josh Speers tells us

This is a great app for people who are travelling abroad, or if you just want to use in Euro – it’s perfect for requesting your share of a taxi fare, splitting a takeaway or requesting money from a bar tab! We all have that friend that never pays up.


When sending a wire or bank transfer across currencies, banks typically add an additional 3-4% on top of that ‘market rate’ and also often add even further one-time fees on top of that. Legacy money transfer companies charge upwards of 10% above the market rate. Newer ‘Digital Money Transfer’ companies (such as Transferwise) are making this more competitive, with pricing typically 1-2% above the market rate. However Circle aims to deliver the best rate possible in the world, with Circle’s exchange rate typically being around 0.2% to 0.3% above the market rate.



Circle envisions that money should work the way that the internet works: instant, global, free and fun. We can send and receive emails, text messages and share personal content through messaging in this way, but only now has it become possible to share and exchange value and money in the same manner. Circle makes that possible with an experience that combines payments and social messaging – money can be sent, gifted or requested with emoji’s to allow us to talk about money a lot more easily.

Circle also recently announced recent Circle for iMessage. Any iOS 10 customer can use Circle directly from within iMessage, in the context of conversations with friends and family, without leaving iMessage and without launching a separate app. Circle is available on iOS and Android.

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By Jim O Brien/CEO

CEO and expert in transport and Mobile tech. A fan 20 years, mobile consultant, Nokia Mobile expert, Former Nokia/Microsoft VIP,Multiple forum tech supporter with worldwide top ranking,Working in the background on mobile technology, Weekly radio show, Featured on the RTE consumer show, Cavan TV and on TRT WORLD. Award winning Technology reviewer and blogger. Security and logisitcs Professional.