Circle Alliance Bank

Most members never need to call into our branch and enjoy the freedom of being able to bank anywhere and anytime by using CIRCLE’s mobile banking App or through internet banking. These services are available 7 days a week, 24 hours a day helping you manage your money around the clock.

From checking your balances, transferring money, paying bills and a range of other functions, if you are not using mobile or online banking today and would like to access these services pleas call us on 1300 553

1. There are no secrets
The ability to save is based on a simple equation – spend less than you earn. Whilst this may be difficult for those on lower incomes given that spending on basic essential items may be more than your income, there are still opportunities to review your spending habits.

2. Start with a plan
Without a plan it is difficult to achieve goals. A plan also helps you to be disciplined and is like a road map that gives you direction to your destination.

3. What are your goals?

1. What is a budget?

A budget is simply a financial plan. It can range from a formal plan that includes all your income and expenses to a simple saving plan to help you achieve short or long term financial goals.

It may involve the discipline of rigid rules, tightening your belt and doing without the things you enjoy but this is not always the case.

We tend to think that if we budget, we will restrict ourselves on how we spend our money. In fact, budgeting can be quite the opposite. It’s

We’re Australia’s first 100% member-owned alliance of social enterprise banks. Our profits are invested in initiatives that support members and deliver positive social change within our communities. We call this Do Good Banking.

Our purpose is to build strong and healthy communities. We care about the people we do business with and the communities in which they live and work. If you too believe that business should take more responsibility for social good then maybe it's time to think about

Social enterprises are businesses that trade to intentionally tackle social problems, improve communities, provide people access to employment and training, or help the environment.

The enterprise has a defined primary social purpose, environmental or other public benefit

The enterprise derives a substantial portion of its income from trade.

The enterprise reinvests 50% or more of annual profits towards achieving the social purpose.

CIRCLE’s Goal

To make a positive impact on members by

Budgeting does not need to be difficult. You do not need to manage complex spreadsheets or spend a lot of time every day just managing your finances.

At CIRCLE, we believe in teaching people how to manage their own money and not have to pay large fees to get someone else to do it.

Do Good Budgeting

CIRCLE’s Do Good Budgeting is a simple method of automatically splitting your regular income (pay or pension) into different “buckets” which gives you peace of mind in knowing you will have enough

CIRCLE is a profit for purpose business.

This focus ensures that we grow and remain viable in the long term in order to fulfil our purpose which is to enhance the financial, social and environmental outcomes of our stakeholders (customers, staff, suppliers and local communities).

How are we different?

We are owned by our customers so we always act in their best interests

Our management and staff do not receive sales incentives meaning customers are not given products they don’t need

We

Wouldn’t it be nice to be proud of your bank? With local, honest, personal customer service you can rely on, Circle is just that.

Why you should swap banks

Our interests are in our members and our community. Not our bottom line. The percentage of profits we give back is substantially higher because we are a social enterprise. Every Do Good product we have directly contributes to our community fund. We have everything you need to bank your way from loans to savings accounts, only with a

Products that save you

How our products make a difference for you and your community

Trust and bank are two words someone will rarely put together. The truth is there is an ethical alternative to the perception of the industry.

We want to do more for your community using our business as a force for good.

Circle is the ethical banking alternative which makes us unique. A huge percentage of profits are redistributed back into social shared outcomes. We have realigned our products to help better fulfil this

5 step easy budgeting blueprint

Do you have a goal to save a deposit for a new home? Or save for that amazing holiday? Whatever your financial goals it’s important to know your budget and what you can afford. We give you five steps to creating a budget that is realistic and effective to get to you where you want to go.

1. What is your income?

Begin by working out what your yearly net income is after tax. If you don’t know this or you have had a fluctuating wage, open a year’s worth of bank

B Corp certified

B Corp certification provides a globally recognised standard for sustainable businesses demonstrating that they use the power of business and profit to solve social and environmental problems. B Corps are certified by the not-for-profit organisation B Lab and are required to meet rigorous measures of social and environmental performace, accountability and transparency through:

Building a community of Certified B Corporations to make it easier for consumers to identify good

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