Kroo Bank

3.91K reviews
Content rating
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About this app

For every friend you refer to Kroo, we’ll give you both £5. After all, Kroo is better with friends. T&Cs apply.


One home for your money. Spend. Track. Settle up with friends. You’ll also get real-time spending insights. These break down and categorise your transactions. Lovely.


Our current account is free to open with no monthly fees. And you can apply to access an overdraft (subject to status), currently by invitation only.


Spend using your Kroo debit card at home and abroad, where Visa is accepted, with zero fees.


FSCS deposit protection up to £85,000 per customer
Face ID. Android Fingerprint
Multi-factor authentication
UK-based customer support
Freeze and unfreeze your card.


With a Kroo current account, you’ll earn *4.35% AER/4.27% Gross (variable) interest on your current account balance up to £85,000. And it’s paid into your account monthly.

AER means annual equivalent rate. It shows you the yearly rate if we paid interest on top of interest. Gross interest is the contractual rate of interest.


It’s time for banks to invest in the future of our planet. We’ve partnered with One Tree Planted, a non-profit organisation focused on reforestation.

We’re planting 2 trees for every new customer who opens a Kroo current account, with a goal to plant 1 million trees by 2024.


Kroo loans are now available through the app. Applications for a loan are by invitation only for Kroo current account holders.

The loan repayment periods are from 12 to 60 months, with a Maximum Annual Percentage Rate (APR) of 23.6%

A representative example is £5,000.00 over 5 years, with APR (fixed) of 8.2%. This would have 60 monthly repayments of £101.16. The total repayment would be £6,069.60, and the cost of credit would be £1,069.60

Our customer privacy policy can be viewed here:


Our goal is to be trusted and loved by our customers because we have their backs.

We are a fully licensed UK bank, authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Firm Registration number is 953772.

Head to to find out more. Current account applications and account management are via the app only.
Updated on
Sep 25, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 5 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.78K reviews
Jade Webber
August 31, 2023
Logging in mostly takes ages. Often quitting the app and starting again sorts it out. Transactions are notified within seconds of them happening via android app notifications. However it may take an hour to show up in the app home page itself. Either there is a back end performance issue, or the app has some issue with closing/opening connections, or maybe it's not caching well, is my guess.I've reported this to support (waiting for a response).Only other issue is lack of direct debit switching.
20 people found this review helpful
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S Stanley (Sean)
August 24, 2023
Not as slick an app as Starling & missing features compared to. Does the basics but still feels embryonic. No direct debit switching service. Could you add spaces. One selling point Kroo uses is giving money to friends, also requests access to your contacts. Though most of my money goes on bills. I adore the pastel colour scheme of the app.
10 people found this review helpful
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filthiest fish
August 13, 2023
Didn't bother to open an account in the end as couldn't get beyond the email & password screen. Tried resetting my password & reinstalling the app, but whenever I enter my email address & password it just jumps back to the same log in screen again and again, so can never get to application page. What a waste of an app. Don't bother with this bank.
18 people found this review helpful
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What's new

Earn 4.35% AER / 4.27% Gross (variable) interest on Kroo current account balances up to £85k. FSCS protected up to £85k too.

In this release, we’ve made some tweaks and updates to make your Kroo experience even smoother.