Kroo Bank - Mobile Banking

Kroo Bank Ltd

About this app

WHERE YOUR MONEY WORKS IN YOUR FAVOUR

Your money should do more than sit in your account.

Kroo Bank helps it work harder with variable interest on your Current Account balance, while giving you simple tools to spend, save and stay in control.

No monthly account fees. No minimum deposit. Simple banking designed to help your money go further.


INTEREST FOR YOU

With a Kroo Bank Current Account, you'll earn variable interest on balances up to £500,000, paid monthly.

You don't need to move your money into separate savings accounts to make your money work harder.

When you're ready to save even more, you can open a Flexible Cash ISA in the same app.

AER (Annual Equivalent Rate) shows what you'd earn over a year if interest was paid on top of interest. Gross is the contractual rate of interest.


INTUITIVE BANKING

Everything you need to stay on top of your money.
• Real-time spending insights
• Automatic transaction categories
• Instant notifications
• Track, split and settle shared expenses
• Organise your money with Pots
• Freeze and unfreeze your card in seconds

Simple banking that helps you feel more in control.


ZERO FEES ABROAD

Spend with your Kroo debit card anywhere Visa is accepted without foreign spending fees.

Keep more of your money where it belongs - with you.
We won't charge you for overseas ATM withdrawals either, although some ATM providers may charge their own fee.


NO MONTHLY ACCOUNT FEES

Open and manage your Current Account with no monthly account fee and no minimum deposit.

Manage your everyday banking, earn interest on your balance and access products including:
• Current Account
• Flexible Cash ISA
• Personal Loans (subject to eligibility)

Simple products. Clearly explained.


BANK WITH CONFIDENCE

Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible customer.

Protect your account with:
• Face ID and fingerprint authentication
• Multi-factor authentication
• Instant card controls
• UK-based customer support


GOOGLE PAY

Add your Kroo card to Google Pay for an easy, secure and convenient way to pay.


OUR PURPOSE

Who you bank with matters.

We're building a bank that helps people grow their money with confidence through simple products, fair value and banking that's designed to work in your favour.

Our customer privacy policy can be viewed here:
https://www.kroo.com/customer-privacy-notice

Kroo Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 953772).

Current Account applications and account management are available through the app only.

* The current AER / gross variable rate is shown in our app and on our website"

Ratings and reviews

Decent app, nice and smooth. Easy to set up. Good interest rate. A few things letting them down though at the moment. No option to search transactions. No option to save references for transfers. Until these basics get implemented it's hard to recommend using as a main account. Also transfers sometimes take a few hours. Update July '26 App is no longer nice and smooth it's become ridiculously slow to the point of being unusable. Though you can now search transactions which is a good addition

The app functionality is ok but very basic and painfully slow. The whole point of Kroo was the high interest rate in a current account. They reduced this significantly and now use the app to try and sell an ISA instead just like 100 other banks. It is still the only place that doesn't pointlessly separate current/savings meaning you are forever shifting money between them. Shame about the app.

I cant use the app without reinstalling every single time and this has been happening for days. not good if you need to access bank fast or approve transactions. not reliable at all this has been the problem lately please sort this out.

What’s new

We've made some updates to make your Kroo experience even smoother.