Both the Kroo personal current account and the Kroo flexible cash ISA allow you to earn monthly interest on your money with FSCS deposit protection up to £120,000, but they serve different financial needs.

Choose the personal current account with promotional interest rate if you want daily spending flexibility, card access, and want to earn competitive interest on higher balances (up to £500,000) without annual subscription limits.

Choose the flexible cash ISA if you want to protect your savings returns from UK income tax, especially if you earn enough interest to exceed your Personal Savings Allowance (£1,000 for basic-rate taxpayers, £500 for higher-rate taxpayers).