Kroo Bank review
A free UK current account with interest, savings Pots and fee-free foreign card spending.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Kroo Bank is a UK personal current account managed through its iOS and Android apps. It is aimed at people who want everyday banking with no monthly account fee, interest on a positive balance, and tools for tracking or sharing spending. The account includes savings Pots, real-time balance and spending insights, Groups for sharing and settling expenses, a debit card, and mobile bank transfers using Faster Payments. Card controls and multi-factor authentication are also available in the app.
The interest offer is a key point to weigh: the advertised rate for new eligible customers is 3.25% AER variable, including a fixed 2.00% bonus for 12 months. Rates may change over time, so this should be treated as a current offer rather than a permanent return. The account also supports Apple Pay and Google Pay, and Kroo says it charges no foreign transaction fees for debit card spending abroad. That combination may suit someone who wants a simple spending account with interest and mobile wallet support, rather than a product centered on cash access or international payments.
Kroo is a licensed UK bank, and eligible deposits are protected by the FSCS. Support is available by chat, email and phone, though it is not offered 24/7. The main practical limitations are that customers cannot deposit cash or make international payments, and account access is mobile-only. Kroo also offers a Cash ISA and personal loans, but the current account itself is a personal account rather than a business banking option. Choose it for app-based UK banking with interest, Pots and expense sharing; consider another provider if cash deposits or international transfers are essential.
Kroo Bank pros and cons
- Where it wins
- No monthly account fee on the personal current account
- Savings Pots, spending insights and shared expense Groups
- Debit card spending abroad without Kroo foreign transaction fees
- Where it doesn't
- Cash deposits are not supported
- International payments are not supported
- Mobile-only access through iOS and Android
Kroo Bank fact sheet, pricing and score →
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