Spend, track and settle up with friends all in one place.
Real time spending insights with a categorised breakdown of your transactions.
Free to open, no monthly fees and overdraft of 20.1% representative APR (subject to status).
Zero fees at home and abroad on purchases.
Use your card in over 200 countries
across the globe.
FSCS deposit protection up to £85,000
Face ID, Touch ID & Android Fingerprint
UK-based customer support
Kroo currently operates a Debit MasterCard® for existing customers. 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 (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.
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 is building a current account and various other services and will be launching these soon. For this reason it is no longer issuing new e-money debit cards.
Kroo 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 is separately registered as a payment services / electronic money agent of Modulr FS Limited under registration number 902797.
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