The award winning free account

A digital only e-money account with no paperwork, no credit checks and no fuss. Sign up, start spending.
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Our current Debit Mastercard® is not covered by FSCS deposit protection.
Kroo - Social Bank
Get the app
Our current Debit Mastercard® is not covered by FSCS deposit protection.

What are you waiting for?

Open a free, digital-only e-money account in just a few minutes. We’ll carry out a few short checks, and if approved you’ll receive your Debit Mastercard a couple of days later. Activate your card in the app, top up your account, and get spending. Easy.

Open a free, digital-only e-money account in just a few minutes.

Zero fees at home or abroad

Use your Kroo card in over 75 countries across the globe just like you would at home. It’s your money after all.

Make your money go further

With Kroo spending insights you’ll know exactly where your money goes each month. The perfect budgeting buddy.

Never chase a payment again

Send, request and receive money instantly in the app. You can even request money from friends without a Kroo account.

Still not convinced?

We’re more than just an account. We’re an organisation on a mission to do more for you, your friends and the planet. Our app gives you chance to manage your group spending and make environmental change for good.

Enjoy your time with others

Spend, track and settle up in one place. Create groups with friends, and let Kroo do the maths so you don’t have to.

A chance to help the planet

All new customers receive a biodegradable Kroo card. Easy to use, better for the planet.

Tell us what’s next

There’s no better place to draw inspiration, than from our customers. You’re at the heart of what we do, and you’re why we do it.
Add to our roadmap

You are in safe hands

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Card
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Secure data
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UK-based
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Don’t take our word for it

★ ★ ★ ★ ★

“With Kroo I’m no longer out of pocket from missing match fees.”
Sebastian G

★ ★ ★ ★ ★

“Great app! Super easy to use and has good functionality like bill splitting.”
Roberta D

★ ★ ★ ★ ★

“It makes handling money in a group so much easier.”
Andy B

This is just the beginning

Kroo is building a bank to change the world around you. Join Kroo and be a part of the change.
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Trustpilot
We do not offer a current account yet, but we are building one for you.
Our current Debit MasterCard® is not covered by FSCS deposit protection.
Kroo currently offers an e-money debit card, which is not a bank account. The card is issued by PayrNet Limited (“PayrNet”) which is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (it appears on the FCA Register under firm number 900594). The card is issued pursuant to a licence by Mastercard International Inc. and can be used wherever Mastercard® is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
This is an e-money product and not covered by FSCS deposit protection. PayrNet (and Modulr FS Limited who process some payments for us) hold your money and follow a set of regulatory safeguarding rules to keep your money safe. These rules require them to place your money in a separate and secure account at an institution regulated by the Financial Conduct Authority (FCA). PayrNet and Modulr do not use your money for anything else, for example, they cannot use your money to pay their own staff salaries.
Kroo Ltd is authorised as a bank by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Currently that authorisation is with restrictions, which is the final step before becoming a fully licenced bank. During this time Kroo will build the infrastructure to become a live bank and will then offer customers a bank account and various other services.

Kroo’s Firm Registration Number is 953772.

Kroo Ltd is a limited company registered in England and Wales with company registration number 10359002, whose registered address is LABS House, 15-19 Bloomsbury Way, London WC1A 2TH.

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