Not sure My experience with Circle was over before it even began. I made it through the signup process with Circle Pay, but once I signed up with Circle Invest, they closed BOTH of my accounts for reasons they cannot or will not disclose. I shall also note I was unable to link any financial funding sources to the account. I will give 2 stars simply because support was communicative and responsive, although overall unhelpful.

Don't sign up As a promo, they put £5 in my account years ago. I never linked it to my bank account because I didn't trust them. They're now emailing and threatening to start charging an annual fee of £30 if I don't withdraw the £5. I'm not comfortable linking (ie giving them direct debit access) my bank account.

Garbage support Their pull crypto payments API doesn't work as expected and the company is full of imbeciles. Good luck getting anything out of their support. They'll just waste your time.

Pleased With My Experience I purchased a couple hundred dollars of bitcoin a few years ago. It was quite easy. It was easy to make online purchases with it. I Recently converted the remaining bitcoin back into dollars with no fee and for the exact current market value. I then transferred it into my bank account with no fee. Overall I’m pleased with the experience. Minus one star because they are soon closing their bitcoin wallet service but still everything went smoothly.

Truly awful customer service Truly awful customer service. I opened an business account and they canceled my initial wire transfer because they claimed they cannot support banks that require FFC (for further credit) payment instructions. That info was nowhere in the poor instructions they provide. So they kept the $5 I had wired as part of a $50 fee! Then, I sent another wire from another account and duly added all the information. Chase confirmed the wire was received by Circle's bank and I was able to see that all of the correct info was there. 8 days later, not only have they failed to "find" the wire, but they don't even answer any of my inquiries. I recommend taking your business elsewhere.