Nope - you can create groups, track expenses, pay friends with cash or another card - all without signing up for a Kroo card.

We've designed Kroo so you can combine your spending with your social life.

You can upgrade and apply for a prepaid debit Mastercard at anytime for free.

You will get a Kroo card and unlock more features including being able to easily send money and receive money from other existing card holders of Kroo and make payments to other bank accounts. 

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