When Adding Money using your card, as soon as your card authorises payment, your funds will be available in your Circle account! 

Bank Accounts

When Cashing Out to a bank account, we start processing the payment immediately through Faster Payments, and your funds will be available in your bank account within 1 hour. While the transaction is being processed, it will be shown as Pending in your Circle transaction history, and it will change to Complete once we receive a confirmation from the payment processor that it has reached its destination (your bank account). You cannot add money from a European or UK bank account at the moment.