A savings circlethat sees amiss coming.

Nothing for now. Members never pay, and while we’re in early access a circle is free for the organiser too, right to the last turn. After that, the first turn is free and then it’s 20p a person for each turn, paid once. A 10-person circle comes to £18. We never take a cut of the pot.

One person misses, and the whole circle can fall apart. Months of paying in can go, and the trust goes with them. We built CircleSave so one miss doesn’t have to take everyone with it.

A miss rarely comes out of nowhere. If someone is overdue two rounds running, or tells us twice that they’ll be late, we let you know privately. That’s often before payday, so there’s time for a quiet word.

You keep it. Same group, same people. You bring the circle onto CircleSave: who’s in, how much, which round you’re on and everyone keeps talking where they already talk. No new group. Nobody has to download a thing.

No. Not a pound. People pay whoever’s turn it is, the way they already do. We never hold the pot. We keep the round clear, and we tell you if a miss looks likely.

Your name and number, and whether you’ve paid each round. Once you add the account your pot goes to, they also see the name on it, its last four digits and whether your ID check is done. If you’re late two rounds running, they get a private flag so they can check in with you. They never see your bank balance or your other chats.

No. You send a link, they tap it and they’re in. They don’t need an app store, a password or another group to join.

Yes. A pardner, or pardna, is a savings circle: everyone pays in the same amount each week or month, and each round one person takes the draw. The banker sets it up as the organiser. Members pay whoever’s turn it is directly, so nobody holds the pot. A circle can have up to 10 people. What is a pardner?