Kroo review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kroo suits UK adults who want a current account for everyday spending and travel without paying a monthly charge or a currency conversion fee. A £0 monthly fee and a 0% currency conversion fee sit at the cheap end, run by Kroo Bank Ltd under UK regulation. The trade-off is support: email and chat only.
Key facts
- Best for
- A UK current account that pays no monthly fee and no currency conversion fee on spending abroad.
- Monthly fee
- £0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Kroo Bank Ltd (Source, checked September 26, 2026)
- Support channels
- Email, Chat (Source, checked September 26, 2026)
- Features
- Travel
- Official website
- kroo.com
Pros and cons
Pros
- Monthly fee of £0 on the current account
- Currency conversion fee of 0% on spending abroad, against a 0.1% currency conversion fee at Wise
- A debit card on the visa network, so spending draws on the balance in the account
- Regulated in the UK by the Prudential Regulation Authority and Financial Conduct Authority
Cons
- Support runs on email and chat only
- The account is built around travel rather than wider account features
Who it suits
- UK residents who spend in other currencies and want no conversion charge
- Anyone who wants a plain current account with no monthly charge
- Card users who already hold a visa card
Who should look elsewhere
- US account holders, since Kroo is run under UK regulation
- People who want a secured credit card build, such as the Varo Believe Secured Credit Card
Who runs it
The account is provided by Kroo Bank Ltd, which is authorised and regulated in the UK by the Prudential Regulation Authority and Financial Conduct Authority under reference 953772. Customer service is handled over email and chat, so a query is raised in writing or in a live chat rather than by telephone. There is no branch or phone line listed.
How Kroo compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where Kroo is available
- Available
- United Kingdom
- Licence in United Kingdom
- Prudential Regulation Authority / Financial Conduct Authority (953772), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Kroo current account cost to hold?+
The monthly fee is £0, so there is no recurring charge for keeping the account open. Spending draws on the balance held in the account rather than on borrowing, since the card is a debit card.
What does it cost to spend abroad?+
The currency conversion fee is 0%, which is the figure the account is built around. For comparison, the currency conversion fee at Wise is 0.1%, so overseas spending costs less here.
Is Kroo regulated in the UK?+
Yes. The account is run by Kroo Bank Ltd, which is authorised and regulated in the UK by the Prudential Regulation Authority and Financial Conduct Authority under reference 953772.
What kind of card comes with the account?+
The card is a debit card on the visa network, so purchases take money from the account balance in the same way as any other debit card.
How can I get help from Kroo?+
Support runs on email and chat. Questions and problems are handled in writing or over live chat, with no telephone line listed for the account.
Who is the Kroo current account built for?+
It is aimed at people who spend in other currencies as well as in the UK, and at anyone who wants to hold a current account without a monthly charge. The monthly fee is £0 and the currency conversion fee is 0%.
How does Kroo compare with a secured credit card?+
A secured credit card works differently: you place a deposit and the card builds credit, and the Varo Believe Secured Credit Card carries a $0 monthly fee. Kroo is a debit current account instead, so it suits day to day spending.
Sources
- kroo.com checked September 26, 2026
Backs: Monthly fee
“No monthly account fees - current account”
- kroo.com/current-account checked September 26, 2026
Backs: Card type
“Use your Kroo Bank debit card around the world - current account”
- kroo.com/documents/current-account-terms-and-conditions.html checked September 26, 2026
Backs: Legal entity, Support channels, Licences
“Kroo Bank Ltd (we/our/us/Kroo) is registered in England and Wales”
- kroo.com/spending-abroad checked September 26, 2026
Backs: Features, Currency conversion fee, Card network
“Fee-free spending abroad and no foreign transaction fees - current account”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Kroo
A UK current account that pays no monthly fee and no currency conversion fee on spending abroad.