Kroo Bank 4+

Who you bank with matters

Kroo Ltd

    • Free

iPhone Screenshots


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. Touch ID
Multi-factor authentication
UK-based customer support
Freeze and unfreeze your card.


Enjoy all the benefits of your Kroo card using Apple Pay. It’s an easy, secure, and private way to pay.


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.

What’s New

Version 3.20

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.

Ratings and Reviews

4.8 out of 5
11.6K Ratings

11.6K Ratings

mr gibbs2 ,


My card arrived earlier today and I have just activated it through the kroo app. This was the easiest card I’ve ever activated. The card is attractive - with large enough numbers on for “us older folks” to see. It’s been quite a process getting accepted for This account but I am So Pleased I persevered as I think this is a great account with an amazing rate of interest if you keep your account in the black. I have found that the chat service is brilliant and if the “bot” can’t answer your question - your question gets passed onto one of the team who get back to you in a pretty decent time and there answers/replies have always been easy to understand and nothing seems to be too Much trouble for
Them. Even though this is just an internet bank they seem pretty switched on & easy to contact. I did thorough checking of them as one of my other banks made me feel
Very insecure about kroo however after sealing with the FCA & my other bank I now feel Confident that this is a bona fide bank. I am impressed & pleased with all
Communications I have had with kroo whether by telephone or via the kroo app

telecoms14 ,

Charles Hutchinson

Great process and quite fast to open account it would of been good to have had an overdraft option to apply as part of the application process rather than wait to be invited to apply . They did say they would look at this for me but still nothing came through my app as of yet maybe I will get an invite soon as it’s not as if I am asking a centurion black amex card holder to upgrade my platinum amex to the black card . :)

But overall no complaints about the services and the professionalism part from this invite palava which should be available for everyone not the certain few

4 stars out of 5 , would have been 5 if the overdraft process was just straightforward as other banks

Gazta ,

Great bank, Great App

Finally a bank that gives interest on a current account. Money is money at the end of the day, whether it’s in a savings account or a current account. Certainly if you go overdrawn banks don’t differentiate and not charge interest because it’s a current account. So, after years of Barclays offering a nice (for them) round 0% on my current account, how refreshing that Kroo is offering a great rate of interest, and regularly updating that rate in line with rate rises. Great bank and the App is easy to use as well.

App Privacy

The developer, Kroo Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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