Bank online with instant transfers, no fees charged
Why choose a business account with First Circle?
Seamless account opening
Experience stress-free business transfers with online account setup and real-time support—no queues, no delays.
Fee-free and transfers with no limits
Accept and send payments to 250+ supported banks and e-wallets in the Philippines, with zero fees and no caps on transfers.
Zero maintaining balance
Enjoy financial freedom with no maintaining balance—just flexibility and peace of mind for your business.
Advanced features to manage your business finances
Streamline sales with a single QR code
From bank transfers to instant payments—handle all your business transactions through 1 QR code, powered by QR Ph.
Schedule future payments
Move your money when and where you need it, and effortlessly manage your transactions by scheduling transfers for future dates.
Make batch payments in one go
Work faster and smarter with batch transfers — pay up to 1,000 suppliers, employees, or bills at once.
FAQs
No, we are a financing company registered with the SEC.
We work in collaboration with our banking partner Netbank to offer our products, so you can use our financial services more easily.
We’re a digitally led finance company, so we don’t operate physical branches and therefore we have lower overhead costs. We use more automation and modern technology than traditional banks which costs us less—so we can pass those savings on to you, our customers.
We see our customers as partners, and want to treat them fairly.
Traditional banks don’t actually need to charge for everything, so we can still be a profitable business while being fair to you.
Have more questions? Visit our Help Center
Quick and easy application process
Apply online in 5 minutes
Only 3-7 documents needed
No paperwork, no branch visits — 100% online
Explore our range of financial products
Business Credit Line
Grow smarter with a non-collateral credit line of up to ₱25M —use what you need, repay on your terms.
Invoice
Create and send BIR-compliant invoices to your customers and track their payments, so you are always on top of who owes you.
Future Salary Access
Empower your employees with flexible salary loans that improve retention and come at no financial risk to your business.
Join the 5000+ businesses that chose First Circle
With First Circle, immediate ang rescue, hindi kami kailangan pumunta sa inyo. Sasabihin lang namin na maglo-loan kami, processed na agad, hindi ka na maghihirap.
Anita Mataga, Managing Partner
FlexNet System Incorporated
Partner since 2022
With lower interest rates, faster release, and of course the good customer service and relationship with First Circle, we're here to stay for long.
Ma. Linda Moya, President
Richworld Infra Solutions Corp
Partner since 2023