CIRCLE Alliance Bank Credit Cards

Updated 28 October 2019

CIRCLE Alliance Bank prides itself on being the ethical banking alternative. As a social enterprise bank, CIRCLE strives to change the way in which we view banking, providing a financial organisation customers can rely on, to trust their bank not only with their own money, but to do good within their community.

Established more than 55 years ago, CIRCLE Alliance Bank has plenty of experience in the financial services industry, and has spent decades getting to know its customers and what they need from their bank day to day. Offering everything from home loans, personal loans and car loans to transaction accounts and credit cards, this is a social enterprise bank with a wide range of banking products, backed by all the technology of a modern bank, and honest, personal customer service.

One of the things CIRCLE Alliance Bank is most proud of is its member-owned status. Instead of constantly thinking about the bottom line and how that will affect external shareholder profits, CIRCLE is owned by its members, so it can use its profits to support charity partners and community initiatives, while providing better rates and lower fees to members.

CIRCLE Alliance Bank Visa Credit Card

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CIRCLE Alliance Bank

Why choose CIRCLE Alliance Bank?

Looking for reasons to make the switch from your current bank to CIRCLE Alliance Bank? Here are some features that may encourage you to make the switch.

  • CIRCLE describes itself as honest and people-focused. With this bank you are a member, not a number. When you call CIRCLE, you won’t get a computer, you will talk to someone who cares and understands, and who is interested in your story.
  • As CIRCLE is member-owned, it can reinvest its profits back into the organisation to offer members lower fees and better rates, backed by all the support and tools they need.
  • As it is backed by Bendigo and Adelaide Bank, CIRCLE is regulated in the same way as all the bigger, better known banks. But with Bendigo Bank in charge of overseeing APRA regulation, CIRCLE can keep its focus on its members and its community causes.
  • With a history that goes back more than 50 years, CIRCLE believes in the power of building long-term relationships with customers, getting to know them better, so they can provide for all their banking needs through each life stage.
  • CIRCLE has a strong focus on community. Its Do Good Banking products all generate contributions to the bank’s Do Good Community Fund, which works to tackle social challenges where we live via distributions to charity and community partners.
  • CIRCLE’s image is not just for show. This is a bank that wants to make a difference. It doesn’t just give a small percentage of its profits to look good. It does this to genuinely do good.

How CIRCLE Alliance Bank is making change

Social enterprises are all about making change within our society. So, how does CIRCLE Alliance Bank focus on making change?

  • It is a certified B Corporation company, which means it is part of a global movement of people using business as a force for good.
  • It partners with Good Return to provide micro loans to people living in poverty, helping them to invest in their own lives.
  • It provides paid volunteering days for staff to support local organisations.
  • It offers free financial education, budgeting and banking services to clients of commUnity+, a community agency delivering programs to disadvantaged people across Victoria.
  • It helps to prepare local secondary students for job interviews in association with the Ardoch Youth Foundation.
  • It supports staff charities with $1 for $1 donation-matching via staff fundraising.
  • It returns profits to members by offering them lower fees and better rates on their financial products and services.

More About B Corp Certification

Having been assessed by not-for-profit organisation B Lab, CIRCLE has met rigorous measures of social and environmental performance, accountability and transparency to become a B Corp. Having B Corp certification means CIRCLE Alliance Bank has been recognised as a sustainable organisation that uses the power of business and profit to solve social and environmental problems.

As a B Corp, CIRCLE believes:

  • That we must be the change we seek in the world.
  • That all business should be conducted as if people and place matter.
  • That, through their products, practises and profits, businesses should aspire to do no harm and benefit all.
  • That it must act with the understanding that we are each dependent upon another and thus responsible for each other and future generations.

Think this is something you’d like to be part of? Check out CIRCLE’s credit card offering to see whether it’s right for you – and your social conscience.

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