Kroo offers a 100% free-to-open current account with no hidden fees and no penalty fees. We’ve built the Kroo current account to be a product we’d be proud to offer to our friends and family.

Key features of our personal current account:

• Competitive interest:  Earn interest paid monthly on your balance up to £500,000. (Special promotional 12-month interest rate available for accounts opened on or after 5th October 2026).
• Kroo Pots: Set money aside for holidays, bills, or rainy days – and earn the same interest rate on your Pots as your main balance.
• Zero foreign transaction fees from Kroo: Spend abroad anywhere Visa is accepted with zero commission from us or hidden exchange markups.
• Apple Pay & Google Pay: Instant, secure payments straight from your phone or watch.
• In-app security: Freeze your card, view your PIN, and manage spending limits with a tap.
• FSCS protected: Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).