Move money anywhere
Instant between Cirtus accounts. Domestic payments and international wires with SWIFT and IBAN captured properly the first time.
0
transfer types, one screen
Every payment reviewed
Banking that keeps its word.
Current accounts, transfers at home and abroad, loans priced before you apply, and cards you can freeze in one tap. No queues, no branch hours, no surprises at the bottom of a statement.
Loans from0%
Account openingSame day
TransfersLocal & wire
Payment clearedTRF260804A19C
Pending fundsRing-fenced
Authorisation steps0
Statement rangeAny dates
Reply time1 working day
01 What you get
An account that does the work
The things most banks charge extra for, or make you phone up about.
Borrow without guesswork
The monthly repayment and the total cost are on screen before you apply. Fixed 4.5% a year, terms from three months, no penalty for early repayment.
Cards you control
Virtual in seconds. Set a ceiling, freeze it in a tap.
Statements on demand
Any date range, running balance, print or PDF.
Saved beneficiaries
Pay the same people again in two clicks, with no retyping.
A receipt for everything
Every entry carries a reference and a printable payment advice, so a query with us never turns into an argument about what happened.
Told, every time
Every decision on your money — approved, declined, disbursed — reaches your account inbox and your email the moment it happens.
02 Inside the app
Three screens, no manual
The whole product is built to be read at arm's length and finished in under a minute.
Available balance
$18,420.55
Salary credit — Northwind LtdTXN260804B71F
+$2,400.00
Card purchase — Blue BottleTXN260803K22A
−$18.40
Transfer to R. LarsenPending approval
−$240.00
Step 2 of 3 Transfer PIN
Nothing leaves your account until every step clears. Funds are held from the moment you submit.
- To
- R. Larsen
- Account
- 3072 004 918
- Fee
- $1.20
- Total
- $241.20
Monthly repayment
$408.75
Rate fixed at 4.5% a yearNo change after approval
Reviewed by a credit officerUsually within a working day
Repay early at no costStraight from your balance
03 Borrowing
See the cost before you apply
Move the sliders. These are the real figures — the same calculation your application uses.
04 Security
Nothing leaves your account unchecked
Payments clear a transfer PIN, an emailed one-time code, and any authorisation codes on your account before a penny moves. Funds are ring-fenced the moment you submit, so the same money can never be committed twice.
Layered authorisation
PIN, one-time code and clearance codes — asked one step at a time, never all at once.
Nothing happens unseen
Every action against your account is logged, and you can review each sign-in yourself.
Checked once
Verify your ID once and full limits apply. We never ask for your PIN by phone or email.
05 People, not scores
A person reads every file
A loan decision changes someone's year. A credit officer reviews each application rather than leaving it to a number, and when we say no we say why — and what would change the answer.
- The rate you are quoted is the rate you get
- Terms from three months to four years
- Decisions usually within one working day
- Repay early from your balance, no penalty
06 Getting started
Open an account in about a minute
Three steps. Identity documents can wait until you want higher limits.
Tell us who you are
Name, email and a password. You will have an account number before you finish your coffee.
Add your first funds
Transfer in from another bank, pay in at an agent, or have your salary routed to us.
Start moving money
Set a transfer PIN, save the people you pay, and send your first payment the same day.
07 On any phone
Built for how people actually bank
Most of banking happens on a phone, in a queue, between two other things. Nothing here needs a tutorial, and there is no app to install.
- Balance, held funds and recent activity on one screen
- Freeze a card in a tap, unfreeze it just as fast
- Every notice in your inbox and your email
- Works on any browser, on any device
08 Customers
Why people moved
Three things we hear more than anything else.
I was tired of finding out about charges after they had already gone. Here the fee is on the screen before I press the button.
Customer since 2024
The loan calculator showed me the total repayable up front. No other bank I asked would do that before an application.
Small business owner
A statement I can actually hand to my accountant, for whatever dates I want, without ringing anybody.
Customer since 2023
Open an account today
Give us your name and email and you will have an account number the same day. No minimum balance and no monthly fee.