Small business lending platform
As someone who sends money internationally regularly, Funding Circle has saved me thousands in fees compared to traditional banks. The exchange rate is transparent, transfers are fast, and I can track everything in real-time. The multi-currency account is perfect for my needs. Absolute game-changer.
Pros: Huge savings on international transfers, transparent rates, fast
Cons: Primarily useful for international users
I like what Funding Circle is trying to do and the core product is good. However, I've experienced some bugs in the app, and when something goes wrong, the support is frustratingly slow. For a tech company, the technology should work flawlessly. Still use it for certain things but not ready to make it my primary.
Pros: Good core concept, innovative features
Cons: Bugs in app, slow support response
What Funding Circle does differently is think about financial products from the user\'s perspective. Everything feels designed to make my life easier rather than to generate fees. The user experience is significantly better than any bank I\'ve used. Just need them to expand their product offering further.
Pros: User-centric design, innovative features
Cons: Product range still growing
Funding Circle has completely changed how I manage my money. Their technology is genuinely innovative - not just a pretty interface but real functionality that saves me time and money. Transfers are instant, fees are minimal, and the app is beautifully designed. This is what modern finance should look like.
Pros: Innovative technology, instant transfers, beautiful design
Cons: Customer support only via app chat
I was skeptical about moving from my traditional bank to Funding Circle but I'm so glad I did. Everything is faster, cheaper, and more transparent. The spending analytics help me budget effectively and the international transfer rates are dramatically better than banks. The future of finance is here.
Pros: Better than traditional banking, great analytics, cheap transfers
Cons: No physical branches for complex issues
Funding Circle has a polished, well-thought-out app with features that genuinely help. Round-up savings, instant notifications, budget categories, and free international spending are all excellent. Only drawback is that for more complex banking needs like mortgages, you still need a traditional bank.
Pros: Excellent app features, free international spending, savings tools
Cons: Limited product range compared to full banks