Circle is a Bitcoin broker offering its services in the United States. Customers can buy bitcoin with a bank account, credit card, or debit card.
Privacy  |  Details ›
Limits & Liquidity  |  Details ›
Speed  |  Details ›
Reputation & Regulation  |  Details ›
Fees  |  Details ›
  • Instant delivery of bitcoin purchased with debit card
  • Best rate among Bitcoin brokers
  • Easy way for new users to buy bitcoin
  • Cons
  • Limited to $300 worth of purchases per week
  • Some customers may be able to raise limit to $3,000 per week
  • Sends count towards buying limit
  • Buy Bitcoin at Circle

    Circle is a Bitcoin broker and Bitcoin wallet platform. This page reviews Circles Bitcoin brokerage services (go here to see a review of Circle’s Bitcoin wallet).

    Founded in 2013, Circle is a digital money company. Its goal is to make the transfer of money easier and cheaper.

    Payment Methods Accepted

    Payment Method Funds Available Currency Fees
    Credit Card instant USD 3%
    Debit Card instant USD free
    Bank Transfer 3-5 days USD free


    Circle requires identity verification and personal details.

    Limits & Liquidity

    Users are initially given a limit of $300 of combined buying/selling/sending per week. After some time, you may be able to have this limit increased to $3,000.

    For example, if you buy $50 worth of bitcoin and then send $25 worth of bitcoin to a friend, you will have used $75 out of the $300 limit.


    To have your bitcoin available instantly you must buy with a debit card. Buys made with credit card or bank account take 3-5 days for the bitcoin to become available.


    Circle is a VC backed company and fully regulated. It carries the proper licenses in all of the districts in which it operates.


    Circle doesn’t charge a fee, but generally has a sell price around 0.5% more than global exchanges like Bitstamp. Among Bitcoin brokers, Circle often has the best rate.

    Supported Countries

    Circle is available to U.S. residents.

    Customer Support

    Circle offers customer support via email.

    Past Issues

    There have been reports that Circle randomly flags accounts as suspicious. If your account is flagged as suspicious, Circle may remove or limit your ability to buy and sell bitcoin. View more details in Circle’s user agreement.

    Circle Wallet Review

    Circle is a digital money company focused on making money “instant, secure, and free”. Its homepage only briefly mentions Bitcoin, and its wallet doesn’t do much more than receiving and spending.

    Accounts may be accessed on Circle’s website and iPhone or Android app. Both apps allow the buying and selling of bitcoin and basic sending and receiving of payments.

    Circle allows its customers to hold funds denominated in bitcoin or USD. Funds held as dollars are still be spent and received through the Bitcoin network.

    Circle controls all private keys, and acts more like a bank than a true Bitcoin wallet. Circle should only be used to buy or sell bitcoin, and not to store funds.


    As a web/hot wallet, Circle should not be used to store large amounts of bitcoin. With full control over all accounts and private keys, your funds may be frozen at any time.

    Although all bitcoin held is insured, a loss is only covered if something goes wrong on Circle’s end. Your bitcoin is gone if your account is hacked.

    Two-factor authentication is required.


    Your name, phone number, email, and a number of other personal details are required. You must trust Circle’s servers to verify transaction data. Circle knows your addresses and balances at all times and can connect this with your identity. Because of buy/sell features, it must also follow all KYC laws.

    Each payment request uses a new address, which helps prevent other users from connecting Bitcoin addresses together.