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If your financial position has changed due to the coronavirus situation and you have concerns about loan repayments or other banking matters, please contact CIRCLE on 1300 553 582 or email info@circle.com.au

Circle Alliance Bank
Your Phone is now your wallet

Imagine never having to fiddle through your purse or wallet again to pay for anything at the checkout. A new, convenient way to make payments is coming to CIRCLE. Soon our customers will have the ability to replace their wallets with a secure digital version. Here are 4 reasons why you should consider launching your digital wallet

1. You already have the technology

If you own either an iPhone

PayID and Osko are here!

PayID and Osko are two exciting innovations that will change the way you bank. With PayID you can use a mobile number or email address to pay someone – or be paid by someone. No need to remember your BSB or account number. Better still, Osko will process the payment in real time.

Fast. Simple. Secure.

Easy To Remember

We understand remembering your bank account

Do you want to make payments that will arrive in seconds?

Thanks to Osko and PayID, you will soon be able to do just that. Payments can be made 24/7, using just an email address or mobile phone number and the payment will be received in as little as 15 seconds! While we set up and test in the background, you also have an important task.

Please make sure your details are up to date. You can log

From the 1st June 2018 the following savings account rates will change:

AccountOld RateNew Rate All at call accounts (S1, S3, S5, S6, S11, S12, S13, S14, S15, S30)     $501 -0 $25,000  0.05% 0.00% Over $25,000 0.10% 0.00% Christmas Club (S2) 1.25% 1.00% Pensioner Accounts (S10, S17) – portion of balances over $48,000 2.20% 2.10% 30 Day

The banking royal commission has highlighted many bad practices within the industry  but not all banks behave in this way. Now is the time to move to ethical banking. An ethical bank is a financial institution operating on values driven by environmental and social responsibility.

CIRCLE Alliance Bank is driven by this philosophy. Our core purpose is to enhance the social, environmental and

From the 1st March 2018 the following fees will change:

FeeOld FeeNew Fee Member cheque stop payment fee $7.00 $10.00 Dormancy Fee per annum $20.00 $30.00 Staff assisted external transfer fee $1.50 $2.50 Direct debit dishonour fee $7.00 $15.00 Member cheque dishonour fee $7.00 $15.00 Quickdebit dishonour fee $32.00 $40.00 Loan arrears letter

3 ways to manage financial stress

Financial hardship can often arise without warning, catching us unprepared or under-resourced to find a way forward. The good news is, there are some logical steps you can take to controlling your finance concerns.

Continue to make repayments—the smart way When money is the cause of your stress, start by auditing yourself. Tally up all your debts so you have an itemised list of what is owed

New Year, new budget, new you

Here we are: the time of year we make promises to ourselves we don’t keep. Well not this year! Not financially, anyway. We give you five steps for creating a budget that is as realistic at it is effective.

1. Establish your income

 Begin by working out what your yearly gross income is. This will involve an assessment of last year’s bank statements together with a consideration of changes for

Setting yourself up for a financially positive 2018

 New year, new financially responsible you? Great news! Here are five realistic strategies for managing your money if wiser cash flow is one of your resolutions.

Shop less, but focus on quality You’ve had your blender for a year and it served you quite well, but it’s burnt out now. It’s an affordable model, though–do you repurchase? Seems a bit illogical. What would be best is to do some

The Post Christmas Hangover and How to Deal With It

Ho ho ho-o-ld on—Christmas hasn’t even begun yet. But when those leftovers are lingering, the parties are fewer and the merry stuff is winding down, will you have a Christmas credit hangover to contend with? Let’s not get ahead of ourselves. Because with a little forward planning, you can ensure you’re spending more of the money you actually have this season, and don’t wind up in the red when the

The latest scams in the lead up to Christmas

 Because of the immense pressure on a person’s finances during the festive months, the year’s end is an opportune time for unlawful scamming activity. Here are three of the latest scams you should be aware of.

1. Heartbreakingly cute pet scams The essence of this is luring customers into “buying” pets that don't exist using cute photos and back-stories. Classic heartstring tugging

5 simple ways to make Christmas special for kids

 ’Tis the season to be greedy! Or at least that’s how so many kids are inadvertently taught to think. To shift the season slightly from simply getting to experiencing, here are five tips from us to you this Christmas:

1. Attend a special event or two Perhaps a holiday-themed concert or parade, and definitely your local Christmas carols event. There are fewer things more special for little

How to avoid overspending this Christmas

There’s no denying that the end-of-year festivities can pose a discernible strain on your finances. In fact, figures complied by Roy Morgan and the Australian Retailers Association earlier in the month have unveiled that 2017 festive spending will rise by 2.8 per cent compared with the same trading period last year. Shoppers are slated to hand over a not-so-humble $50 million to the retail

Are you having trouble getting through to Phonelink?   While we have had our Phonelink 1300 number operational for many years, it has come to our attention that some people have still been calling the old local numbers.   We have made changes to Phonelink and it will now only connect if you call 1300 553 571.   Please delete any record you have of old numbers and store our

CIRCLE Alliance Bank’s nomination for the Alliance Bank Do Good Community Award (Sean & Genine) have reached the final six from a competitive field of 22. Read below their amazing work they do supporting the Homeless in the Melbourne region through their charity Anonymous X. Sean Thornton is an exceptional Member.

In 2013 he felt so strongly about helping homeless people in Melbourne that he