For you, your friends, the planet

We’re on a mission to build the world’s greatest social bank.

The Kroo story

It started in 2017. Two creative minds came together to solve a problem. How do you focus on what’s imporant in life — when money seems to get in the way?
Now, here we are creating a bank. Since then the vision has grown, a lot. Kroo wants to revolutionise people’s relationship with money, for good.
4 years on, the journey has just started. Kroo is now authorised as a licensed bank with restrictions. Right now we offer an e-money account alongside our mobile app. We’re aiming to launch a current account, and overdraft in 2022. After that we’ll offer fairly priced credit, and the tools for our customers to live a life free from financial frustrations.

We’re driven by the belief that

Money shouldn’t get in the way

Kroo is committed to handling the stress and awkwardness that money creates, so can you enjoy the moment. We want to make your finances fit around you life, not the other way around.

You should feel good about doing good

Money doesn’t just impact you and the people around you. How we manage, spend and save our money affects the planet we share. We want to make it easy for our customers to make a positive impact on the world around them.

We should do what’s right, not what’s easy

Building a bank from scratch gives us the chance to do the right thing for our customers, colleagues and planet. Sometimes that means taking longer to create the right experience, hire the right people or choose the right partners.
See our partners

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.
Get the app
Get the app
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 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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