You can count on us with fee-free spending around the world.
We pass Visa’s real exchange rate directly to you – no hidden fees or unexpected markups. Spend more on what makes you happy and less on fees.
You can make ATM withdrawals up to £200 every 30 days with zero fees. On withdrawals more than £200, we charge 3% of the amount withdrawn.
Easily freeze and unfreeze your card. Biometric authentication. Multi-factor authentication. UK-based customer support.
Going on a holiday with friends or family? Our Groups functionality makes it easy to split, track and settle up your expenses. From flight tickets to 3 course meals, no more hassle tracking who paid for what.
Enjoy all the benefits of a digital wallet. It’s the easy, secure, and private way to pay.
Kroo charges zero fees for all foreign purchases (0% markup).
Whilst abroad, you can take out up to £200 for free every month. We’ll charge 3% after that.
Kroo uses Visa’s exchange rate, which is added on top of the European Central Bank (ECB) rates and passes that straight to you. You can click to view Visa’s exchange rate calculator to work out the rates that you’ll receive when using the Kroo Eco debit card.
In Europe, the European Central Bank (ECB) publishes reference exchange rates between world currencies based on a daily average of European central banks, but individuals can’t get those rates directly.
When you spend abroad, your bank will be using a card scheme (Kroo uses Visa), and that scheme can set an exchange rate which could be above the ECB rate.
Your bank can then either pass on that scheme rate directly to you, or add a mark-up or fees on top to make money.
All banks are now required to show you the ECB rate and any fees or charges they add on top. So you can fairly compare rates between all providers, and see how good the deal you’re getting is. We've provided a link to show you the Visa rate, so you can see that we're passing it on directly with nothing added.
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.
