Every charge is visible first
Fees are shown on the screen where the decision is made, not discovered afterwards on a statement.
A bank should be boring in the right places
Predictable with your money, clear about its charges, and quick when you need something. Exciting is for other industries.
Why we started
We kept meeting people who had been quietly charged for things nobody explained, who found out about a failed transfer days later, and who could not get a statement without visiting a branch on a working Tuesday.
None of that is a technology problem. It is a decision, made repeatedly, to make the bank's life easier than the customer's. Cirtus is our attempt to make the opposite decision every time it comes up.
How we work
Four commitments we hold ourselves to, and that you can hold us to.
Money is never in two places
The moment a payment is submitted, those funds are held. Your available balance always reflects what you can actually spend.
A person reviews the big things
Outward transfers, loans and identity checks are decided by a human being with a name and an audit trail, not silently by a rule.
We write it in English
No “pursuant to the applicable schedule”. If we cannot explain a policy plainly, we treat that as a sign the policy is wrong.
Lending, decided by people
A loan decision changes someone's year. We show the full cost before the application is even submitted, and a credit officer reads every file rather than leaving it to a score.
When we say no, we say why, and we say what would change the answer.
How our loans workWhere we are
Cirtus Trust
1 Harbour Street, Wilmington, DE
+1 800 000 0000 · support@cirtus.online