Note: These terms apply to referrals made on or after 23rd September 2026. If you referred a friend before this date under the previous £5 scheme, please refer to the legacy £5 Referral Scheme information HERE.

Who can refer a friend?

You need to be an existing Kroo current account holder with an open and unrestricted account who has been selected for the scheme. If you are eligible to participate, you will see your unique invite link directly inside the Kroo app on your ‘Home’ screen.

Who can be referred?

The person you refer must be a new customer who doesn't already hold a Kroo account. They must apply for an account using the same email address they entered on the page they accessed from your referral link. They also must be eligible to open a Kroo current account (subject to standard checks).