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Kroo Bank

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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 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.

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