Kroo Bank - Mobile Banking

Kroo Bank - Mobile Banking

Who you bank with matters

106 ratings
171 reviews
Free

Details

  • Released
  • Updated
  • August 3, 2018
  • July 7, 2026
Kroo Bank - Mobile Banking screenshot #1 for iPhone
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Kroo Bank - Mobile Banking screenshot #7 for iPhone
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

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What's New in Kroo Bank

3.93

July 7, 2026

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

User reviews

Holding seeing employed payments

I invoiced a payment yesterday which I really needed a they held it for 24 hours. I had to contact them to find out they were.

And they’re holding it to “protect my account” which is a serious gas lighting. This is incoming payment not outgoing. I don’t need protecting from receiving money thanks very much.

Then it went on hold for another day before they released my money. My credit card payment defaulted as a result.

Slow, mostly automated customer service.

Like all these small banks. Fine until you need any kind of customer service. Then awful.

I’ll be closing my account.

Totally unreliable.
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Makes you send docs for moving bit of money around

Every time I try to make a small transfer, e.g. 20 K from one account to another day forced me to send documents. Absolutely ridiculous no other bank does this. Sort your triggers out.

Amazing Ban

So easy to use trouble free and all on my phone

Bad service

Had a problem with one of my transactions and they would not refund me and they would not step in - go with the legacy bank. This bank not up to par.

Service

Perfect and great services and banking

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.