Join Kroo
Join Kroo

The easy, secure, and private way to pay.

Enjoy all the benefits of your Kroo card by using Apple Pay wherever you see one of these symbols.

Adding your Kroo card to Apple Pay is simple.

  • Open the Wallet app.
  • Tap the the upper-right corner.
  • Tap Debit or Credit Card, then click continue. You’ll then use your iPhone camera to scan the card information.
To make the Kroo card your default card, open the Wallet, press and hold down on the digital Kroo card and drag it to the front.
Join Kroo
Join Kroo
  • Simple

You can leave your card at home and spend freely in stores, in apps, and on the web.

  • Secure

Verify payments using Face ID and Touch ID.

  • Protected

Your card information isn’t stored on your device or shared when you pay.

Join Kroo
Join Kroo

Questions? Answers.

What kinds of devices are eligible for Apple Pay?
Please see the following link for a current list of supported devices.

Apple Pay supported devices
How is my card information protected?
When you use your Apple Pay to pay in store, online or in app Apple Pay doesn’t send your real Kroo card number to the merchant. Instead, a unique code is assigned, encrypted and securely stored on your device. Each transaction is authorised with a one-time unique dynamic security code.
Where can I use Apple Pay? Can I use it abroad?
Apple Pay can be used anywhere that accepts contactless payments, on transport and in shops, restaurants, in apps and on websites across the world.

Learn where to use Apple Pay
What happens if I lose my Kroo card?
If you freeze your card from within the Kroo app, you won’t be able to use your Kroo digital card for payments with Apple Pay. If your card is found and unfrozen, your Kroo card will again be eligible for Apple Pay. If you need to order a replacement, your new card will automatically be added to your Apple Pay wallet once it arrives and is activated. There’s no need to manually update your card information in the Wallet app.
Is there a spending limit with Apple Pay?
While there’s a limit on how much you can spend per transaction, some merchants apply a contactless limit of £100 in the UK. Transactions made in-app and in Safari browser do not have limits.If you need to order a replacement, your new card will automatically be added to your Apple Pay wallet once it arrives and is activated. There’s no need to manually update your card information in the Wallet app.
What happens if I lose my device?
If your phone’s been lost or stolen, we recommend you use Find My iPhone to lock it. You’ll then have the option to secure it with a new password, or erase your personal data.

Kroo Bank Ltd is a limited company registered in England and Wales with company registration number 10359002. Its registered address is LABS House, 15-19 Bloomsbury Way, London WC1A 2TH. Kroo is authorised as a bank by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (firm registration number 953772).

Kroo Bank Ltd specialises in financial services for retail customers. All eligible deposits are protected by the Financial Services Compensation Scheme up to £85,000 per customer.

Kroo Bank Ltd uses Bud Financial Limited (“Bud”) for payment services. Bud is authorised and regulated by the Financial Conduct Authority under FRN 793227 for payment services.

Kroo is separately registered as a payment services / electronic money agent of Modulr FS Limited under registration number 902797. Kroo currently continues to operate a Debit MasterCard® for existing customers only. This is an e-money debit card, not a bank current account, and it is not covered by FSCS deposit protection. 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 (firm registration 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.

PayrNet (and Modulr FS Limited who process some payments for Kroo) hold e-money customer money and follow a set of regulatory safeguarding rules to keep that money safe. These rules require them to place customers’ money in a separate and secure account at an institution regulated by the Financial Conduct Authority (FCA). PayrNet and Modulr do not use customer money for anything else, for example, they cannot use it to pay their own staff salaries.

Kroo is no longer issuing e-money debit cards to new customers.

Scan the QR
code to install
the app

fscs
QR Kroo code