When a community saves together, everyone gets further.
Built on a tradition that predates banks. Designed for the way communities actually save.
Amara
£1,400
receives
Amara
£1,400
receives
A practice that has always existed. Now it has infrastructure.
Savings circles have existed for centuries. In Jamaica it is called a pardner. In West Africa, a susu. In South America, a tanda. In China, a hui. Different names, same principle: a group of people who trust each other pool their money, and each member receives the full pot in turn.
The Windrush generation brought the pardner to Britain and used it to buy homes, fund education, and build lives at a time when banks routinely refused to serve them. Families still use it today for weddings, house deposits, school fees, and fresh starts.
This is not an alternative to finance. For millions of people, it has always been the foundation of it.
Baanka gives that tradition the infrastructure it deserves.
Most people prefer being a member. Organising takes effort that nobody sees.
You track who has paid, manage hand requests, handle the awkward conversations, and hold everything together so your members can trust the process. You do it on WhatsApp, in spreadsheets, sometimes from memory.
When it works, everyone benefits. When something goes wrong, it lands on you.
Baanka changes that. Every contribution is logged. Every payout confirmed. Every decision has a record. So the circle runs clearly, and if anything is ever questioned, the answer is already there.
A
G
F
D
+3
Spring Circle · April
7 members · £200/month
0/7
CONTRIBUTIONS
A
Amara
Pending
G
Grace
Pending
F
Fatima
Pending
D
Diane
Pending
S
Sharon
Pending
Y
Yemi
Pending
P
Pauline
Pending
Three steps. One shared rhythm.
Create your circle
Set the contribution amount, frequency, member cap, and payout order. Everyone starts aligned.
Invite your people
Share an invite link, or let members find you by your email and request to join. You approve every member before the cycle begins.
Run the cycle
Record contributions, confirm payouts, and manage swap requests. Every member sees exactly what is happening and when.
Trust alone does not protect you.
A savings circle runs on trust. That has always been its strength. But trust alone does not protect you when a bank questions where a lump sum came from, or when a dispute needs evidence, or when a member's memory of what was agreed differs from yours.
Baanka creates a permanent, shared record of every contribution, payout, and decision in your circle. That protects the organiser. It protects the members. And it protects the money.
For communities that have been excluded from formal finance for generations, this record is something more. The savings circle has always worked. What has never existed is a verifiable, structured account of that financial behaviour. The record you build in a Baanka circle is the beginning of a financial identity that has historically gone unrecognised.
Been invited? Ready to join?
Paste your invite link, or enter the organiser's email to find their circle and request to join. Every organiser reviews requests before approving access.
Get early access
Baanka is in early access while we build with a small group of circles. Core tools are live. Join us while we shape what comes next.
Applications are reviewed each week.
You will receive an invite if selected.
No spam, ever.
Request access
Tell us how you'll use Baanka and we'll invite you when slots open.
Ready to grow together?
Baanka · Banking on each other · Invite only · Not a bank
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