# Kroo

**Source:** https://www.startuphub.ai/startups/kroo
**Profile type:** Startup

> Kroo is a digital bank offering personal current accounts, savings, and loans through a mobile app, focused on transparent and socially responsible banking.

## About

Kroo is a British neobank that provides digital banking services to individuals via a mobile application. The platform offers current accounts, savings accounts, cash ISAs, and personal loans, with a focus on simplifying personal finance management, enabling shared spending, and promoting ethical and sustainable practices. Kroo aims to improve customers' relationship with money through trust, simplicity, and a customer-first approach.

## Key facts

- **Slug:** kroo
- **Website:** https://kroo.com
- **Location:** London, United Kingdom
- **Founded:** 2016-01-01
- **Employees:** 206
- **Operating status:** Active
- **Sectors / tags:** Neobank, Fintech, Digital Payments, Retail Banking, Personal Finance
- **Social:**
  - LinkedIn: https://www.linkedin.com/company/getkroo
  - Facebook: https://www.facebook.com/getkroo

## Pricing

| Plan | Price | Includes |
| --- | --- | --- |
| Current Account | £0 / month | No monthly account fees, No minimum deposit, No minimum balance |

New customers earn 3.00% AER / 2.96% gross variable on balances up to £500,000 including a fixed 2.00% AER bonus for the first 12 months. Existing customers earn a tracker rate 1.1% below the Bank of England base rate.

Plans as published by Kroo, checked November 2026.

## StartupHub.ai scores

- **Ahrefs DR:** 49/100
- **Effective DR:** 75/100
- **Agent Readiness:** D (50/100)
- **Site Speed:** 62/100
- **Data Trust:** 93/100

## Tech stack

Detected on kroo.com, last scanned 2026-11-05.

- **Frontend:** Next.js
- **Auth:** Auth0
- **Observability:** incident.io
- **Support:** Zendesk
- **CDN:** AWS CloudFront
- **Hosting:** AWS
- **Email provider:** Google Workspace

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## Community reviews

Community reviews below were gathered from public sources into one place. Each quote is copied word for word and links to where it was posted.

Showing 12 of 18 stored reviews.

- **Reddit** | 390TrainsOfficial | 2023-05-15 | positive | highlighted endorsement
  > "Unofficial subreddit for the UK neobank Kroo. The unofficial Reddit community for the UK neobank Kroo (FRN: 953772). Kroo is a new digital bank with some innovative ideas, such as 4.10% AER interest on positive balances up to £85,000, an overdraft facility (by invitation only), shared expenses and budgeting tools."
  > Source: https://www.reddit.com/r/KrooBank/
- **YouTube Anand - Finance-Fix** | PCs454 | 2025-04-17 | mixed
  > "i want an account i can just dump spare change without moving money around etc. is this kroo good for that, to get interest on balance instead of moving money between diff accounts? or is it worth using a saving account in starling or monzo instead (even though theres more steps"
  > Source: https://www.youtube.com/watch?v=U9VQBrLdf0w&lc=UgyclCAEWiHtMbz22kB4AaABAg
- **YouTube Finder - UK** | PCs454 | 2025-04-16 | mixed
  > "I want a side account where i just dump my "spare money" and just leave it to get interest. Also dont want to faff around moving money around too much. Not sure if i should get kroo or monzo or starling in April 2025."
  > Source: https://www.youtube.com/watch?v=7dIbL-mG9tY&lc=UgxCygysQ6KVEstAcUR4AaABAg
- **YouTube Finder - UK** | michaelwyllie7778 | 2025-01-03 | negative
  > "hmmmm READ NEGATIVE , CRASH ASPECT"
  > Source: https://www.youtube.com/watch?v=7dIbL-mG9tY&lc=UgyUx3D2GlrnMTKbLLt4AaABAg
- **YouTube Anand - Finance-Fix** | Liam-m3x6d | 2024-10-28 | mixed
  > "I've opened a Kroo account but my high street banks don't seem to like me transferring money into it. They seem to flag it up as fraud. Never had this before. What could this be?"
  > Source: https://www.youtube.com/watch?v=U9VQBrLdf0w&lc=UgwHfmMhXGPmmvtfChV4AaABAg
- **YouTube Finder - UK** | benwyvis759 | 2024-09-18 | positive
  > "i use them. love the app, love the pots and love the interest rate. great wee bank!"
  > Source: https://www.youtube.com/watch?v=7dIbL-mG9tY&lc=UgxSdty-PPwyy6HUW-p4AaABAg
- **YouTube Anand - Finance-Fix** | Mm-so7to | 2024-08-31 | mixed
  > "Do they really pay interest of the balance 1st of every month throughout the year? Thank you"
  > Source: https://www.youtube.com/watch?v=U9VQBrLdf0w&lc=UgxPwf-xnK7WNCHn9ol4AaABAg
- **YouTube Anand - Finance-Fix** | raulalves1057 | 2024-03-02 | mixed
  > "If i keep using it on daily spending do i still get any aer? Thanks for the video"
  > Source: https://www.youtube.com/watch?v=U9VQBrLdf0w&lc=UgwfLB1vk1k_SXIJRv54AaABAg
- **YouTube Anand - Finance-Fix** | josssmith | 2024-02-28 | positive
  > "Just opened a Kroo account to keep my savings in, it was only earning me just over £30 interest a month in my ISA with another bank, I'll be getting around £80 in the Kroo account, wish I'd done it sooner."
  > Source: https://www.youtube.com/watch?v=U9VQBrLdf0w&lc=UgyU0Y6YDJWLSfZCw2R4AaABAg
- **YouTube** | TonyKeepingItClean | 2023-08-19 | mixed
  > "I’d like to know more about the tree planting. Is it even true? How would we know? Where are they planting them? I’m interested in opening an account though."
  > Source: https://www.youtube.com/watch?v=TgUk1H9d_p0&lc=UgwKO582_SfEvuoy-zB4AaABAg
- **YouTube** | CJ-uc6ge | 2023-01-29 | positive
  > "Since it now has the bigger interest rate - is there any issue with using it as an easy access savings account? Was with Atom banking but Kroo is more than this"
  > Source: https://www.youtube.com/watch?v=TgUk1H9d_p0&lc=UgxflJdsOE9hXoIv8c54AaABAg
- **YouTube** | nicky.preston | 2023-01-25 | negative
  > "I joined Kroo but like you say it’s not competitive enough. I’ve banked with all the challenger banks and now staying with Monzo. They have better features and really enjoy the flex side of Monzo as this can be used like a credit card feature. Non of the other challengers do anyt"
  > Source: https://www.youtube.com/watch?v=TgUk1H9d_p0&lc=UgxTd1LN_NkEwjOV6254AaABAg