I lost money, my friends and family also lost substantial money as well. From my investment through their investment platform through their mobile App, close and transferred to AJ Bell and lost... Ver mais
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Leia as opiniões dos outros
Surprised that I cant find a negative review of this company anywhere on the internet. It's very suspicious how every comment says how wonderful it is. Why? Because I am nursing a 43.33% LOSS on my st... Ver mais
A empresa respondeu
Really impressed with both ethos and accessibility. App is very easy to use and manage. I have also had personalised support, always quick to respond and follow up. Performance may not have been as po... Ver mais
A empresa respondeu
I've been using Circa5000s (previously tickr) general investment isa for several years now. I'm happy with performance, I make regular top ups every month but also use it like a savings account, so wh... Ver mais
A empresa respondeu
Informações sobre a empresa
Escrito pela empresa
Our mission is to make investing effortless, profitable, and impactful for everyone. To help humanity thrive, not just survive - all the way to the year 5000. We offer investments in things with universal appeal: energy, water, food, health, education, cybersecurity. No propping up bad assets. No playing trading platforms like slot machines. No greenwashing.
Informações de contacto
3rd Floor, 86-90 Paul Street, EC2A 4NE, London, Reino Unido
- hi@circa5000.com
- circa5000.com
2,9
Aceitável
138 opiniões
Sem histórico recente de solicitação de opiniões
Esta empresa não convidou os clientes recentemente, pelo que as opiniões podem não ser representativas
Como esta empresa usa o Trustpilot
Veja como as respetivas opiniões e classificações são obtidas, classificadas e moderadas.
This is a company doing great work
This is a company doing great work. The app is easy to use and customer service is excellent.
31 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Rob,
Thanks so much for taking the time to leave your review. I'm so glad you're enjoying investing with us, all while making an impact on global causes!
Just give us a shout if there is anything we can help you with.
Take care,
Jane
Not a great place for investment
Not a great place for investment. More loss than gains. Been with this app for a few years but it’s just a constant loss.
27 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hi TSL,
Thanks for taking the time to leave your review. I'm sorry to hear you're unhappy with the performance of your investments.
Unfortunately, I haven't been able to locate your account to look into this further for you. If you could please reach out to our Customer Support team using your in-app chat then we'll be able to find your account and look into your individual portfolio's performance for you.
Please be aware though, when investing in stocks and shares through CIRCA5000 we can't guarantee a rate of return and your balance can go up and down. It's incredibly hard to perfectly time the market, so we always advocate thinking long-term (5, 10, 20+ years) and investing regularly to smooth out the natural rises and falls in the market.
Thanks,
Jane
Brilliant financial services
Brilliant financial services, ethical and sustainable investments, great customer service, what more could I want?!
Very user friendly app design too!
24 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Oliver,
Thanks for your positive review - I'm really pleased to hear you're happy with your experience and support from us!
If you need anything going forward, please don't hesitate to get in touch with us using your in-app chat or email hi@circa5000.com.
Many thanks,
Jane
reassuring customer service
During a lost phone incident Circa5000 customer services was reassuringly helpful. My account was swiftly locked and any questions I had answered efficiently.
16 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hi AMTF Fox,
Thanks for your positive review - I'm really pleased to hear you're happy with your support from us!
If you need anything going forward, please don't hesitate to get in touch with us using your in-app chat or email hi@circa5000.com.
Take care,
Lauren
Easy to use and very transparent.
22 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hey Matt,
Thanks for taking the time to leave your positive review - I'm glad to hear you find the app easy to use!
If you ever need any help in the future, please don't hesitate to reach out to our Customer Support team via our in-app chat or by email hi@circa5000.com.
Take care,
Lauren
My monthly “investment” just loses money…
My monthly “investment” just loses money. Every time I log on to see if it has gained anything but just find it has lost even more. I’ve lost so much now I can’t bring myself to cut and run. Feel caught between a rock and a hard place. Customer service just brushed my concerns aside. Wish I’d never heard of them.
18 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Carey,
Thanks for taking the time to leave your review. I'm sorry to hear you're unhappy with the performance of your investments, and that you felt our team brushed off your concerns - this wasn't our intention.
Having re-read your message to us, I see I interpreted your query as wanting more information on the new CIRCA5000 funds we had just launched at the time, rather than wanting information on the performance of the old third party funds. I'm so sorry for my misunderstanding.
I've written to you today, following on from my last message, with some insights which I hope answers your query. But if you do have any more questions, please don't hesitate to reply to me on our in-app chat and I'll be more than happy to look into your concerns for you.
Many thanks,
Lauren
Great service with investments that you…
Great service with investments that you feel make a difference to the environment with new technology.
17 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hey Graeme,
Thanks so much for taking the time to leave your review. I'm so glad you're enjoying investing with us, all while making an impact on global causes!
Just give us a shout if there is anything we can help you with.
Many thanks,
Lauren
Jane from customer service was prompt…
Jane from customer service was prompt and super helpful. It was nice that I got email notifications and was able to respond in the app as well
1 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hi James,
Thanks ever so much for your positive review!
I'm so glad to hear our team were able to help with your query.
Please don't hesitate to reach out if you ever need anything else.
Take care,
Jane
43.33% LOSS on Circa5000 ISA
Surprised that I cant find a negative review of this company anywhere on the internet. It's very suspicious how every comment says how wonderful it is. Why? Because I am nursing a 43.33% LOSS on my stocks and shares ISA two and a half years in. Imagine a diagonal line going down from top left to bottom right, that's what my investment graph looks like. They seem to have removed their returns prediction calculator as the positive numbers that came out of it clearly weren't real world. I would have been better off going to Homebase and planting a tree myself, it would certainly have been less expensive.
14 de agosto de 2023
Opinião espontânea
Resposta da circa5000.com
Hi James,
Thanks for taking the time to leave your review, I'm sorry to hear you're unhappy.
Unfortunately, I haven't been able to locate your account to look into this further for you. If you could please reach out to our Customer Support team using your in-app chat then we'll be able to find your account and look into your individual portfolio's performance for you.
With that said, it's still important to note that we do charge fees to have a CIRCA5000 account. When investing these fees will have a direct impact on the performance of your investment. Whilst we feel we're competitively priced in the market of investment providers, depending on the amount you're investing with us it's very possible that we're not the most cost-effective investment platform for your investment needs.
We charge a monthly Subscription Fee of £1 and a platform fee of 0.45% p.a. to have a GIA, ISA or SIPP. We do not collect a fee if you do not have a balance in your account.
These fees are to help cover the platform and administrative costs of being able to offer CIRCA5000 to you. They're used to ensure we have a team to service your account; a development team to keep bringing you new features and improvements to the app; and to cover custodianship of your funds and any necessary reporting to HMRC etc.
Please also be aware that all of our accounts are execution-only and not discretionary-managed accounts. This means you choose which funds to invest in, when to invest, how much to invest etc. We don't actively buy or sell investments for you as and when we choose.
The calculator you're referring to is our projections calculator. It's an interactive tool to see how your monthly savings can grow over time byt adjusting several factors, such as (1) the monthly savings amount (2) your future age and (3) a potential annual return as a %. Please note that this projections calculator is not our predication of guarantee of how your investments will perform.
Once again, I'm sorry that you're disappointed.
Many thanks,
Jane
Quick response to enquiries
Quick response to enquiries, easy to contact and very helpful, polite customer service team
25 de julho de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Don,
Thanks for your positive review - I'm really pleased to hear you're happy with your support from us!
If you need anything going forward, please don't hesitate to get in touch with us using your in-app chat or email hi@circa5000.com.
Take care,
Jane
Dangerous security policies
I was ok about losing money, it's investments. It happens.
What I'm not ok with is their appalling security and them refusing to allow a withdrawal, then continuing to trade (and lose money) for another day after I said I wanted to close my account.
Here's how it went
I wanted to withdraw money so I notify in the app adding details to one of my accounts.
Receive an email (also known as unidirectional authentication if you're keeping score) saying in order to get my money I have to take a photo of my debit card or send a bank statement. It was suggested I do this via email or in app chat. In case you aren't familiar with this: this is appalling, a financial institution should not be encouraging you to share secure personal information via email.
I reply refusing to email, asking if this is a legal requirement (it's not) or a policy.
I get a long and vague email back about sending a picture with the 16 digit code on my card, and how the company is stuck in 1994, I'm taking artistic license with that last bit. The gist of the email is they can't use the normal route of checking things...
I reply with this:
Could you show me the signed terms and conditions where this requirement was explicitly outlined?
Anti money laundering checks are one thing, but the suggestion that I email a photo of my debit card is frankly concerning coming from a company that deals with money.
I was on the fence about keeping the account at all, but this has definitely helped me decide to close it for good.
You can send the money to the account I shared with you.
The reply I get says transferring money is "subject to additional money laundering checks"
No extra details of course, just that they will do checks
Notice there is nothing there to say "you must photograph your debit card or share a bank statement with us in order to get your money".
To recap: the t&c say they do fraud checks but contain no detail about needing to collect additional personal information in order to do that.
At this point I've also said I want to close my account because of the aforementioned nonsense.
Another reminder: this financial institution (who really loved to point out that gosh don't you know that there are regulations!) Legit suggested I email a photo of my debit card. I'm sorry it's too much that is really making me laugh.
Anyway. They insist these requests are standard in the industry (which industry? I'm so curious because it's not finance). They add some extra condescending detail about how many regulations there are in finance.
The next set of replies start to conflict themselves. They say "we must make sure the details match your direct debit"
This is new - no where does it say that it needs to be same account.
Oooh they've also offered the option for me to password protect my document. This is really showing their cards here. Only a team with cyber security knowledge that extends as far as popping the Norton AntiVirus in to the CD-Rom would think that's appropriate.
I hope at this point you can see why I wouldn't trust their in app feature for transferring sensitive documents..
So this company has repeatedly suggested (via email no less, I have no way of ascertaining this is really them) I email my debit card or bank details.
They kept trading for a day when said I've decided to close my account
They've introduced unknown conditions in order to be able to access my money because they can't (allegedly) / won't use the systems that every major financial service uses in order to check account validity. Their argument really is "our terms and condition say extra checked" so apparently this means they could request a clip of me doing a tiktok dance for authentication because"terms and conditions".
I've requested they tell me their official complaints procedure so I can take this up with the ombudsman after that.
28 de julho de 2023
Opinião espontânea
Resposta da circa5000.com
Hi,
Thanks for taking the time to write your review, I'm sorry to hear you're unhappy with your experience.
We're required to carry out Anti-Money Laundering and Fraud Prevention checks at various stages of your account's lifetime. These checks are to protect our customers and to comply with regulations.
To complete these checks we sometimes request additional information from you, and we try to accommodate your circumstances where possible. But I'm sorry to hear you're unhappy with your experience in this - this is not our intention and we strive to provide the best customer experience as possible, so I've passed your feedback on to the team.
Please keep an eye out for contact from us regarding your complaint, where we'll address your concerns directly with you.
Many thanks,
Lauren
Onboard
Been onboard with these guys for a while and really like the direction they’re heading
27 de julho de 2023
Opinião espontânea
Resposta da circa5000.com
Hey Rane,
Thanks so much for taking the time to leave your review!
We really appreciate your continued loyalty, and please don't hesitate to get in touch with our Customer Support team if you ever need anything.
Many thanks,
Lauren
Great company
Great company, great support staff and like the fact they have launched their own ETF’s rather than just use existing ESG type funds
26 de julho de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Steven,
Thanks for your positive review - I'm really pleased to hear you're happy with your experience and support from us!
If you need anything going forward, please don't hesitate to get in touch with us using your in-app chat or email hi@circa5000.com.
Many thanks,
Jane
I will do this again and reply
I will do this again and reply. Been with these guys for 3 years and I have not made any money. On the 22nd December 2021 I withdrew £200 and left £50..... On the 22nd of June I was down to £1.60. As of today 21st July, I am on £0.62.
Its great idea and concept, but its better to give to charity that to give to these guys for 'investment'. I honestly dont think they know what they are doing.
They respond and tell you about the markets etc...but my account has only ever spirelled downwards with the occassional £0.03 or 0.09 addition.
21 de julho de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Shonti,
Thanks for taking the time to leave your review - I'm sorry to hear you're unhappy.
The transactional details you've left in your review unfortunately aren't accurate and we've contacted you directly to clarify the discrepancy.
With that said, it's still important to note that we do charge fees to have a CIRCA5000 account. When investing a low amount (e.g. an amount of £50, as your review states) these fees will have a direct impact on the performance of your investment. Whilst we feel we're competitively priced in the market of investment providers, for scenarios such as this (i.e. depending on the value you're investing) it's very possible that we're not the most cost-effective investment platform for your investment needs.
We charge a monthly Subscription Fee of £1 and a platform fee of 0.45% p.a. to have a GIA, ISA or SIPP. We do not collect a fee if you do not have a balance in your account.
These fees are to help cover the platform and administrative costs of being able to offer CIRCA5000 to you. They're used to ensure we have a team to service your account; a development team to keep bringing you new features and improvements to the app; and to cover custodianship of your funds and any necessary reporting to HMRC etc.
Please also be aware that all of our accounts are execution-only and not discretionary-managed accounts. This means you choose which funds to invest in, when to invest, how much to invest etc. We don't actively buy or sell investments for you as and when we choose.
Once again, I'm sorry you're disappointed and please do look out for our message clarifying your exact position during your time with us.
Many thanks,
Lauren
It takes months to take out your money…
It takes months to take out your money from this pension provider.
9 de julho de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Borja,
Thanks for taking the time to leave your review, I'm sorry to hear you're unhappy.
Please do be aware that we currently do not offer drawdown on our pensions, meaning you cannot withdraw from a pension with us at this time. However, you can transfer your pension to another pension provider.
Pension transfers can take up to 12 weeks to complete from one pension provider to another. In addition to this, further delays can be caused if you've made any personal contributions to your pension around the time you request to transfer it. This is because we must wait for the Government tax relief to be received before we can transfer your pension, and it can take up to 12 weeks for the Government payment to be received from the date you make your contribution.
Unfortunately, I haven't been able to locate your account to look into this further for you. If you could please reach out to our Customer Support team using your in-app chat then we'll be able to find your account and look into this for you.
Many thanks,
Lauren
Best customer support
The customer service assistant took time to explain things to me which helped me in making a decision about my investment. They are prompt in responding to queries so far. I will recommend CIRCA5000 to anyone looking into investing into their future.
28 de junho de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Ophelia,
Thanks so much for taking the time to leave your review - I'm so pleased our team have been able to help when needed.
If you need anything going forward, please don't hesitate to get in touch.
Many thanks,
Lauren
Not only an ethical way to invest.
Not only an ethical way to invest.. Also an interesting way to save!
1 de julho de 2023
Opinião espontânea
Resposta da circa5000.com
Hey Lee,
We really appreciate you taking the time to leave your review - we're so pleased that you're enjoying your journey with us so far!
If you have any feedback, or suggestions of what you'd like to see from us in the future, please don't hesitate to get in touch with our team at hi@circa5000.com.
Many thanks,
Jane
The app is great and love the ethos
The app is great and love the ethos, but as for investment, I’ve had my fund for nearly two years and it continues at a loss. Not a great investment.
13 de junho de 2023
Opinião espontânea
Resposta da circa5000.com
Hi Tiina,
Thanks for taking the time to leave your review, I'm sorry to hear you're unhappy.
Unfortunately, I haven't been able to locate your account to look into this further for you. If you could please reach out to our Customer Support team using your in-app chat then we'll be able to find your account and look into your individual portfolio's performance for you.
Please be aware though, when investing in stocks and shares through CIRCA5000 we can't guarantee a rate of return and your balance can go up and down. It's incredibly hard to perfectly time the market, so we always advocate thinking long-term (5, 10, 20+ years) and investing regularly to smooth out the natural rises and falls in the market.
You can also listen to our co-founders', Matt and Tom's, recent podcast episode if you want to understand more about why 2022 was a difficult year for stocks and bonds, and why greener funds continued to have a high level of investment.
I really hope this helps, but if you have any more questions at all please don't hesitate to get in touch via your app.
Thanks,
Lauren
Great app
Great app, responsive customer service, useful updates and feedback from the team.
9 de junho de 2023
Opinião espontânea
Resposta da circa5000.com
Hey Garry,
Thanks so much for your positive review - I'm really pleased to hear you're happy with your support from us and our investment offering.
If you need anything going forward, please don't hesitate to get in touch with us using your in-app chat or email hi@circa5000.com.
Take care,
Lauren
Excellent customer service who are…
Excellent customer service who are really helpful and understanding. Will usually get a response the next day which is super speedy
2 de maio de 2023
Opinião espontânea
Resposta da circa5000.com
Hi William,
Thanks so much for taking the time to leave your review - I'm so pleased our team have been able to help when needed.
If you need anything going forward, please don't hesitate to get in touch.
Many thanks,
Jane
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