There are two types of account available.

  1. You can enjoy using the app on its own without having a Kroo account. You can track your expenses with your friends and keep a tab on who owes who for what and when, using the Group tracking.

  2. If you have a Kroo account, you can apply for a card with zero fees and you can easily send money and receive money from other existing card holders of Kroo. 

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