Kroo Bank - Mobile Banking

Kroo Bank - Mobile Banking

Where your money works for you

109 ratings
207 reviews
Free

Details

Released
August 3, 2018
Updated
October 20, 2026
Kroo Bank - Mobile Banking screenshot #1 for iPhone
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Kroo Bank - Mobile Banking screenshot #8 for iPhone
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About

Manage your money with an intuitive banking app offering real-time spending insights and categorization. Enjoy fee-free spending abroad and earn interest on your current account balance. Securely manage your funds with advanced authentication and UK-based support.

✓Real-time spending insights and categorization
✓No monthly fees for current account
✓Zero fees for spending abroad
✓Earn interest on current account balance
✓FSCS deposit protection
✓Freeze/unfreeze card
✓Apple Pay integration
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What users say about Kroo Bank

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What's New in Kroo Bank

3.99

October 20, 2026

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

User reviews

Great bank for everyday use.

I’ve been a Kroo holder for a few years and use it as a back up for travel. I have five stars even though I prefer a higher daily and international withdrawal limit. I’d definitely use it as my main bank but discovered them after I had a couple other online banks. One of which closed due to the UK no longer being part of the EU. Transactions from my high street bank appear instantly. I definitely recommend. Also customer service is quick to respond during opening hours. And are quite clear and answer questions.
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Needy

Asks for a review daily so I’ve given 1 less star each day, here’s a 1 star - now stop asking, also don’t hold payments up to uk bank accts to my mates for less than £10.00 you jobsworths

Don’t recommend.

Honestly, “disappointing” doesn’t even begin to describe my experience with this bank.

Whenever I receive a payment, I’m told I have to wait up to 48 hours for the bank to verify it, after which I’m expected to provide detailed information about the person who sent me the money. This level of inconvenience is completely unacceptable.

To make matters worse, I was scammed out of £500 and attempted to dispute the transaction with the bank, but received no meaningful assistance or resolution.

I’m extremely disappointed with the service, the lack of support when customers need help the most, and the overall experience. I also have concerns regarding the level of protection available to customers, including FSCS protection.

Based on my personal experience, I would strongly advise others to thoroughly research this bank before trusting it with their money. I certainly wouldn’t recommend it.
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Customer service - waiting for over an hour

I have just ended an online chat with Kroo in which I received no response for over an hour. Very poor indeed.

Simple banking done right

I've tried many of the other online banks.
Lots of gimmicks & paid for freebies.
With Kroo it's simple. Here's your money, this is the rate, these are your pots. Off you go!
Simple banking done right.

User experience

🐞

Reported Bugs

3 issues

Face ID/biometrics not working

Bug

Inability to close account within app

Bug

Inconsistent app performance

Bug
✨

Requested Features

5 requests

Pots or savings features

Feature

Customizable categories for spending

Feature

Roundup savings

Feature

Referral program

Feature

Paid premium features

Feature

FAQ

What does the Kroo Bank app do?

The app provides a comprehensive mobile banking experience. It allows you to manage your money, track spending with real-time insights and categorization, and offers fee-free transactions both domestically and abroad. You can also manage a current account that earns interest and a flexible Cash ISA.

Are there any fees associated with using Kroo Bank?

Kroo Bank offers a current account that is free to open with no monthly fees. They also provide zero fees for spending using your debit card at home and abroad where Visa is accepted. While they do not charge for overseas ATM use, individual ATM providers may impose their own fees.

How secure is the Kroo Bank app?

The app prioritizes security with features like Face ID and Touch ID for login, multi-factor authentication, and the ability to freeze and unfreeze your card instantly. Your deposits are also protected by FSCS deposit protection up to £120,000 per customer.

What are the benefits of the Kroo current account?

The Kroo current account is free to open and has no monthly fees. It offers real-time spending insights, fee-free spending abroad, and you can earn interest at 1.10% below the Bank of England base rate on balances up to £500,000, paid monthly. An overdraft facility is also available, subject to status and invitation.

Is Kroo Bank available in the UK?

Yes, Kroo Bank is a fully licensed UK bank, authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. Current account applications and management are conducted exclusively through the app.