SCHEDULE 13D 0002070683 XXXXXXXX LIVE Class A Ordinary Shares, par value $0.0001 per share 06/30/2025 false 0002064683 G2254C121 Cohen Circle Acquisition Corp. II

2929 Arch Street Suite 1703 Philadelphia PA 19104

Betsy Z. Cohen (267) 703-4396 2929 Arch Street Suite 1703 Philadelphia PA 19104 0002070683 N Cohen Circle Sponsor II, LLC OO N DE 0.00 2670000.00 0.00 2670000.00 2670000.00 N 7.7 OO Comprised of 445,000 Class A ordinary shares, and 2,225,000 Class B ordinary shares. The Class B shares will automatically convert into Class A shares at the time of the Issuer's initial business combination, or at any time and from time to time at the option of the holder, on a one-for-one basis, subject to certain adjustments described in the Issuer's charter documents. 0002070685 N Cohen Circle Advisors II, LLC OO N DE 0.00 6448333.00 0.00 6448333.00 6448333.00 N 18.59 OO Comprised of 6,448,333 Class B ordinary shares. The Class B shares will automatically convert into Class A shares at the time of the Issuer's initial business combination, or at any time and from time to time at the option of the holder, on a one-for-one basis, subject to certain adjustments described in the Issuer's charter documents. 0001168754 N Betsy Z. Cohen OO N X1 0.00 9118333.00 0.00 9118333.00 9118333.00 N 26.28 IN HC Comprised of 445,000 Class A ordinary shares and 8,673,333 Class B ordinary shares. The Class B shares will automatically convert into Class A shares at the time of the Issuer's initial business combination, or at any time and from time to time at the option of the holder, on a one-for-one basis, subject to certain adjustments described in the Issuer's charter documents. Ms. Cohen is the Managing Member of Cohen Circle Sponsor II, LLC and Cohen Circle Advisors II, LLC and shares voting and investment power over shares held by those entities and disclaims beneficial ownership over any securities in which she does not have any pecuniary interest. Class A Ordinary Shares, par value $0.0001 per share Cohen Circle Acquisition Corp. II 2929 Arch Street Suite 1703 Philadelphia PA 19104 Securities Acquired: Cohen Circle Sponsor II, LLC ("Sponsor") initially acquired Class B ordinary shares, par value $0.0001 per share ("Class B Shares"), as part of the formation and initial capitalization of Cohen Circle Acquisition Corp. II (the "Issuer"). The Sponsor acquired units of the Issuer in the Issuer's initial public offering on June 30, 2025. Each unit of the Issuer represents the right to receive one Class A ordinary share, $0.0001 par value per share ("Class A Shares"), and one-fourth (1/4) of one redeemable warrant, each whole warrant exercisable to purchase one Class A Share, at an exercise price of $11.50 per share. The warrants are not currently exercisable, and they will not be exercisable within the next 60 days, accordingly, the warrants are not included in this Schedule 13D. Issuer: Cohen Circle Acquisition Corp. II 2929 Arch Street, Suite 1703 Philadelphia, PA 19104 This statement is filed by: (i) Sponsor, which is the holder of record of approximately 7.7% of the issued and outstanding shares of all share classes of the Issuer (34,693,333) based on the number of Class A Shares (25,300,000), private placement units (720,000), and Class B Shares (8,673,333) outstanding as of the closing of the Issuer's initial public offering on July 2, 2025 (the "IPO"); (ii) Cohen Circle Advisors II, LLC ("Advisors"), which is the holder of record of 6,448,333 Class B Shares, or 18.59%, of the issued and outstanding shares of all share classes of the Issuer outstanding as of the closing of the IPO; and (iii) Betsy Z. Cohen, the President and Chief Executive Officer of the Issuer, and also the Manager of Sponsor and Advisors. The address of the principal business and principal office of each of Sponsor and Ms. Cohen is c/o Cohen Circle, LLC, 2929 Arch Street, Suite 1703, Philadelphia, PA 19104. Sponsor's and Advisors' principal business is to act as the Issuer's sponsor and holder of all Class B Shares. The principal occupation of Ms. Cohen is to serve as an officer and director of the Issuer. None of the Reporting Persons has, during the last five years, been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors). None of the Reporting Persons has, during the last five years, been a party to civil proceeding of a judicial administrative body of competent jurisdiction and, as a result of such proceeding, was, or is subject to, a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, Federal or state securities laws or finding any violation with respect to such laws. Sponsor and Advisors are each a Delaware limited liability company. Ms. Cohen is a citizen of the United States. The aggregate purchase price for the ordinary shares currently beneficially owned by the Reporting Persons was $4,475,000. The source of these funds was the capital of Sponsor and Advisors. On December 4, 2024, Sponsor paid certain offering costs of the Issuer totaling $25,000. In March 2025, Issuer entered into a share subscription agreement with Sponsor resulting in Sponsor holding 8,655,000 Class B Shares. In May 2025, the Issuer issued an additional 18,333 founder shares to Sponsor, for a total of 8,673,333 founder shares outstanding. On June 30, 2025, Sponsor transferred to Advisors 6,448,333 Class B Shares. On July 2, 2025, simultaneously with the consummation of the IPO, Sponsor purchased 445,000 units ("Placement Units") of the Issuer at $10.00 per Placement Unit, pursuant to a Private Placement Units Purchase Agreement dated June 30, 2025, by and between the Issuer and Sponsor (the "Purchase Agreement"), as more fully described in Item 6 of this Schedule 13D, which information is incorporated herein by reference. Each Placement Unit consists of one Class A Share and one-fourth (1/4) of a redeemable warrant, each whole warrant exercisable to purchase one Class A Share, at an exercise price of $11.50 per share. The ordinary shares and units owned by the Reporting Persons have been acquired for investment purposes. The Reporting Persons may make further acquisitions of the Issuer's securities from time to time, however, all of such shares are subject to lock-up restrictions as further described in Item 6 below. Except for the foregoing, the Reporting Persons have no plans or proposals which relate to, or could result in, any of the matters referred to in paragraphs (a) and (c) through (j) of Item 4 of Schedule 13D. With respect to paragraph (b) of Item 4, the Issuer is a blank check company formed for the purpose of effecting a merger, share exchange, asset acquisition, stock purchase, recapitalization, reorganization or other similar business combination with one or more businesses or entities. Under various agreements between the Issuer and the Reporting Persons as further described in Item 6 below, Sponsor, Advisors and Ms. Cohen have agreed (A) to vote their shares in favor of any proposed business combination and (B) not to redeem any shares in connection with a shareholder vote (or tender offer) to approve (or in connection with) a proposed initial business combination. The Reporting Persons may, at any time and from time to time, review or reconsider their position, change their purpose or formulate plans or proposals with respect to the Issuer. Sponsor a) Amount beneficially owned: 2,670,000 Percentage: 7.7% Advisors a) Amount beneficially owned: 6,448,333 Percentage: 18.59% Betsy Z. Cohen a) Amount beneficially owned: 9,118,333 Percentage: 26.28% Sponsor b) Number of shares to which the Reporting Person has: i. Sole power to vote or to direct the vote: 0 ii. Shared power to vote or to direct the vote: 2,670,000 iii. Sole power to dispose or to direct the disposition of: 0 iv. Shared power to dispose or to direct the disposition of: 2,670,000 Advisors b) Number of shares to which the Reporting Person has: i. Sole power to vote or to direct the vote: 0 ii. Shared power to vote or to direct the vote: 6,448,333 iii. Sole power to dispose or to direct the disposition of: 0 iv. Shared power to dispose or to direct the disposition of: 6,448,333 Betsy Z. Cohen b) Number of shares to which the Reporting Person has: i. Sole power to vote or to direct the vote: 0 ii. Shared power to vote or to direct the vote: 9,118,333 iii. Sole power to dispose or to direct the disposition of: 0 iv. Shared power to dispose or to direct the disposition of: 9,118,333 Sponsor and Advisors are each controlled by its Managing Member, Betsy Z. Cohen. Ms. Cohen may be deemed to have beneficial ownership of securities reported herein, however, she disclaims any ownership of securities reported herein other than to the extent of any pecuniary interest she may have therein, directly or indirectly. None of the Reporting Persons has effected any transactions of ordinary shares during the 60 days preceding the date of this report, except as described in Item 4 and Item 6 of this Schedule 13D which information is incorporated herein by reference. Not applicable. Not applicable. Private Placement Units Purchase Agreement between the Issuer and Sponsor On July 2, 2025, simultaneously with the consummation of the IPO, Sponsor purchased 445,000 Placement Units pursuant to the Purchase Agreement. The Placement Units and the securities underlying such Placement Units are subject to a lock up provision in the Insider Letter, which provides that such securities shall not be transferable, saleable or assignable until 30 days after the consummation of the Issuer's initial business combination, subject to certain limited exceptions as described in the Insider Letter. The description of the Purchase Agreement is qualified in its entirety by reference to the full text of such agreement, a copy of which was filed by the Issuer as Exhibit 10.4 to the Current Report on Form 8-K filed by the Issuer with the SEC on July 3, 2025 (and is incorporated by reference herein as Exhibit 10.1). Insider Letter In connection with the IPO, the Issuer, Sponsor, Advisors and Ms. Cohen, and certain other parties thereto, entered into a letter agreement (the "Insider Letter"). Pursuant to the Insider Letter, the parties agreed to waive: (i) their redemption rights with respect to their Class B Shares and public shares in connection with the completion of the initial business combination, (ii) their redemption rights with respect to any Class B Shares and public shares held by them in connection with a shareholder vote to amend the Issuer's charter (A) to modify the substance or timing of Issuer's obligation to allow redemption in connection with its initial business combination or to redeem 100% of its public shares if it does not complete its initial business combination within 24 months (or 27 months, as applicable) from the closing of the IPO or (B) with respect to any other provision relating to shareholders' rights or pre-initial business combination activity; and (iii) their rights to liquidating distributions from the Issuer's trust account with respect to Class B Shares if the Issuer fails to complete its initial business combination within 24 months (or 27 months, as applicable) from the closing of the IPO (although they will be entitled to liquidating distributions from the trust account with respect to any public shares they hold if the Issuer fails to complete its initial business combination within the prescribed time frame). Sponsor also agreed that in the event of the liquidation of the Trust Account of the Issuer (as defined in the Insider Letter), it will indemnify and hold harmless the Issuer against any and all loss, liability, claims, damage and expense whatsoever which the Issuer may become subject to as a result of any claim by any vendor or other person who is owed money by the Issuer for services rendered or products sold to or contracted for the Issuer, or by any target business with which the Issuer has discussed entering into a transaction agreement, but only to the extent necessary to ensure that such loss, liability, claim, damage or expense does not reduce the amount of funds in the Trust Account; provided that such indemnity shall not apply if such vendor or prospective target business executes an agreement waiving any claims against the Trust Account. The description of the Insider Letter is qualified in its entirety by reference to the full text of such agreement, a copy of which was filed by the Issuer as Exhibit 10.1 to the Current Report on Form 8-K filed by the Issuer with the SEC on July 3, 2025 (and is incorporated by reference herein as Exhibit 10.2). Registration Rights Agreement In connection with the IPO, the Issuer, Sponsor, Advisors and certain other parties entered into a registration rights agreement pursuant to which certain demand and "piggyback" registration rights were granted, which will be subject to customary conditions and limitations, including the right of the underwriters of an offering to limit the number of shares offered. The summary of such registration rights agreement contained herein is qualified in its entirety by reference to the full text of such agreement, a copy of which was filed by the Issuer as Exhibit 10.3 to the Current Report on Form 8-K filed by the Issuer with the SEC on July 3, 2025 (and is incorporated by reference herein as Exhibit 10.3). Exhibit 10.1 Private Placement Units Purchase Agreement, dated June 30, 2025, between the Issuer and Cohen Circle Sponsor II, LLC (incorporated by reference to Exhibit 10.4 to the Company's Current Report on Form 8-K (File No. 001-42726) filed with the SEC on July 3, 2025). Exhibit 10.2 Letter Agreement, dated June 30, 2025, by and among the Issuer, its officers and directors and Cohen Circle Sponsor, LLC II (incorporated by reference to Exhibit 10.1 to the Company's Current Report on Form 8-K (File No. 001-42726) filed with the SEC on July 3, 2025). Exhibit 10.3 Registration Rights Agreement, dated June 30, 2025, between the Issuer and certain security holders of the Issuer (incorporated by reference to Exhibit 10.3 to the Company's Current Report on Form 8-K (File No. 001-42726) filed with the SEC on July 3, 2025). Exhibit 99.1 Joint Filing Agreement, dated July 2, 2025, by and among the Reporting Persons. Cohen Circle Sponsor II, LLC /s/ Betsy Z. Cohen 07/07/2025 Cohen Circle Advisors II, LLC /s/ Betsy Z. Cohen 07/07/2025 Betsy Z. Cohen /s/ Betsy Z. Cohen 07/07/2025