<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://help.kroo.com/hc/en-gb</loc>
  <lastmod>2026-03-19T16:49:46Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9265171184657-What-are-the-features-of-the-current-account</loc>
  <lastmod>2025-12-01T01:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9265313027089-Can-I-have-more-than-one-personal-current-account-at-Kroo</loc>
  <lastmod>2024-10-10T11:21:50Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9265389770641-Current-account-eligibility-criteria</loc>
  <lastmod>2024-04-26T11:18:22Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9265417897361-How-can-I-add-money-to-my-current-account</loc>
  <lastmod>2024-08-22T14:05:48Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9265573455249-Can-I-use-my-current-account-for-international-payments</loc>
  <lastmod>2024-10-11T12:32:53Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9265595225745-Are-there-any-fees-for-the-current-account</loc>
  <lastmod>2024-04-16T17:43:46Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9265694326929-What-are-the-current-account-limits</loc>
  <lastmod>2024-04-27T12:57:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9265902067345-What-are-the-limits-for-contactless-payments</loc>
  <lastmod>2024-04-20T07:33:22Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9282375338769-What-s-different-about-Kroo</loc>
  <lastmod>2024-04-26T11:14:59Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9283101965073-How-can-I-open-a-current-account</loc>
  <lastmod>2024-05-22T11:21:23Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9283322921105-Is-Kroo-part-of-the-7-day-Current-Account-Switching-Service</loc>
  <lastmod>2024-07-09T14:34:03Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9283378984209-How-can-I-update-my-details</loc>
  <lastmod>2025-02-06T10:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9283473095185-Where-s-my-sort-code-and-account-number</loc>
  <lastmod>2024-05-01T19:12:07Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9284162289169-Do-you-provide-bank-statements</loc>
  <lastmod>2025-08-15T15:14:36Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9284321026193-How-do-I-close-my-account</loc>
  <lastmod>2025-09-19T10:18:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9284673357969-I-m-having-trouble-logging-into-my-Kroo-account-What-should-I-do</loc>
  <lastmod>2025-06-25T12:59:53Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9284743305873-My-phone-is-lost-or-damaged</loc>
  <lastmod>2025-11-05T14:24:42Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9284891010193-What-are-One-Time-Passwords-and-how-do-they-work</loc>
  <lastmod>2024-07-31T14:46:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9285227446801-I-m-visually-impaired-can-I-still-access-the-Kroo-app</loc>
  <lastmod>2024-07-31T14:46:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9285279736721-Contacting-Customer-Support</loc>
  <lastmod>2025-09-17T13:25:03Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9287990836625-How-can-I-provide-feedback</loc>
  <lastmod>2024-03-27T15:52:49Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9288139816209-How-do-I-raise-a-complaint</loc>
  <lastmod>2024-09-03T10:59:13Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9288199358225-When-will-I-receive-a-response-to-my-complaint</loc>
  <lastmod>2023-11-16T16:25:32Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9288308234513-What-can-I-do-if-I-m-unhappy-with-the-response-I-ve-received</loc>
  <lastmod>2024-02-07T18:35:30Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9288744709777-How-can-I-order-a-new-card</loc>
  <lastmod>2024-07-30T08:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9289115078929-Why-was-my-card-transaction-declined</loc>
  <lastmod>2025-11-05T14:29:11Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9289917930129-How-can-I-activate-my-card</loc>
  <lastmod>2024-05-02T09:00:12Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9290105673873-How-can-I-freeze-my-card-in-app</loc>
  <lastmod>2024-04-30T12:12:57Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9290352077841-What-if-my-card-is-lost-stolen-or-compromised</loc>
  <lastmod>2025-11-05T14:25:49Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9290590567825-Should-I-sign-the-back-of-my-card</loc>
  <lastmod>2024-04-11T22:32:25Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9290718789265-What-s-3D-Secure</loc>
  <lastmod>2024-03-19T15:31:14Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9290966160657-Why-didn-t-my-online-purchase-complete</loc>
  <lastmod>2024-04-20T15:37:49Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9292208963345-How-can-I-view-my-PIN</loc>
  <lastmod>2024-05-01T04:20:26Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9292430285841-How-can-I-unblock-my-PIN</loc>
  <lastmod>2024-08-23T10:07:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9292526322833-How-can-I-change-my-PIN</loc>
  <lastmod>2024-08-23T10:04:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9292686190865-I-ve-been-charged-for-a-declined-transaction-why</loc>
  <lastmod>2024-08-23T13:06:47Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9292746895249-Why-haven-t-I-received-my-refund</loc>
  <lastmod>2024-04-27T15:04:50Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9292821132049-Can-a-refund-be-made-to-a-cancelled-or-replaced-card</loc>
  <lastmod>2023-11-16T16:52:52Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9293137959057-How-can-I-add-my-card-to-Apple-Pay-and-Google-Pay</loc>
  <lastmod>2025-11-05T14:23:43Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9293454687761-How-can-I-remove-my-card-from-Apple-Pay-or-Google-Pay</loc>
  <lastmod>2025-11-05T14:27:06Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9293459167889-Can-I-add-my-card-to-more-than-one-device</loc>
  <lastmod>2025-11-05T14:27:32Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9293497122705-What-are-the-transaction-limits-for-Apple-Pay-and-Google-Pay</loc>
  <lastmod>2025-11-05T14:26:14Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9306864138257-How-can-I-dispute-a-transaction</loc>
  <lastmod>2024-08-21T14:56:36Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9307206953873-I-don-t-recognise-a-transaction-what-should-I-do</loc>
  <lastmod>2024-08-21T14:46:42Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9307340428945-I-ve-been-charged-by-an-ATM-but-didn-t-receive-the-cash-what-should-I-do</loc>
  <lastmod>2024-08-21T14:59:26Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9307352178833-I-ve-not-received-goods-or-services-I-ve-paid-for-what-should-I-do</loc>
  <lastmod>2024-08-21T15:25:08Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9310552384145-Sending-and-receiving-payments</loc>
  <lastmod>2024-09-25T11:18:39Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9310921618961-How-long-does-it-take-to-transfer-money</loc>
  <lastmod>2025-07-31T15:47:53Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9314534987537-How-long-will-my-card-transaction-remain-pending-for</loc>
  <lastmod>2024-08-23T10:35:11Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9314549381777-What-is-a-gambling-credit-and-when-will-I-receive-it</loc>
  <lastmod>2024-04-16T08:39:48Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9317397829649-Scheduled-payments</loc>
  <lastmod>2025-07-31T15:47:20Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9317429334161-Direct-Debits</loc>
  <lastmod>2025-07-31T15:47:20Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9318180537617-Will-I-receive-any-notifications-about-scheduled-payments</loc>
  <lastmod>2025-07-31T15:47:20Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9319621634065-What-is-a-group-and-how-does-it-work</loc>
  <lastmod>2024-04-28T14:53:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9319693699345-What-is-a-group-payment-link-and-how-do-I-use-it</loc>
  <lastmod>2023-11-16T15:54:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9319736785425-Creating-and-managing-groups</loc>
  <lastmod>2024-04-17T22:02:19Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320092611473-What-information-is-shared-between-group-members</loc>
  <lastmod>2023-12-10T13:08:45Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320269621649-Can-I-use-cryptocurrency</loc>
  <lastmod>2024-08-23T15:49:16Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320316263185-How-does-Pay-at-Pump-work</loc>
  <lastmod>2024-04-30T19:57:17Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320364035729-How-do-holding-deposit-refunds-work</loc>
  <lastmod>2024-02-23T05:13:23Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320383613969-How-do-flight-ticket-transactions-work</loc>
  <lastmod>2024-08-23T13:37:13Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320433968529-What-are-delayed-or-offline-transactions</loc>
  <lastmod>2024-03-14T18:42:28Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320494101521-How-do-I-use-my-card-with-Transport-for-London-TfL</loc>
  <lastmod>2025-11-05T14:28:05Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320664969105-What-are-the-common-payment-scams-to-be-aware-of</loc>
  <lastmod>2025-08-07T13:12:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9320720762897-I-don-t-recognise-a-payment-what-should-I-do</loc>
  <lastmod>2025-04-17T08:45:39Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9321251253777-What-can-I-do-to-ensure-my-card-and-account-security-details-are-safe</loc>
  <lastmod>2024-04-05T19:26:27Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324350635409-Are-there-any-foreign-exchange-fees-I-need-to-be-mindful-of</loc>
  <lastmod>2025-04-30T06:49:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324454066321-Can-I-use-my-card-abroad</loc>
  <lastmod>2025-04-07T09:05:47Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324568793105-Do-I-need-to-let-you-know-when-I-travel-abroad</loc>
  <lastmod>2024-08-27T17:08:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324572547089-Who-provides-the-foreign-exchange-rate</loc>
  <lastmod>2024-08-23T14:12:52Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324584160529-Which-currency-should-I-choose-for-my-payments-while-travelling-abroad</loc>
  <lastmod>2024-08-23T14:50:48Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324628924945-What-are-my-foreign-card-transaction-limits</loc>
  <lastmod>2024-08-23T14:31:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324630401169-I-received-a-refund-in-another-currency-and-it-s-less-than-I-expected-Why</loc>
  <lastmod>2024-08-23T14:35:12Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324633970065-Using-your-card-at-an-ATM</loc>
  <lastmod>2025-04-30T06:49:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324722806161-Can-I-withdraw-cash-from-the-Post-Office</loc>
  <lastmod>2024-04-26T11:13:38Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324744920209-Can-I-deposit-cash-or-cheques-into-my-Kroo-account</loc>
  <lastmod>2024-08-23T13:56:04Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324748863121-What-is-an-overdraft</loc>
  <lastmod>2024-04-08T14:31:49Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/9324765946385-How-can-I-apply-for-an-overdraft</loc>
  <lastmod>2025-08-11T10:44:42Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/10315710375185-Why-has-my-current-account-application-been-declined</loc>
  <lastmod>2024-05-21T14:16:59Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/10369054167185-Why-does-my-bank-statement-differ-from-my-in-app-transactions</loc>
  <lastmod>2024-04-02T20:55:30Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11922786909713-Restricted-accounts</loc>
  <lastmod>2025-05-15T07:33:40Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11922842982289-Why-would-Kroo-restrict-an-account</loc>
  <lastmod>2024-04-03T09:08:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11922902307729-What-happens-when-my-account-is-restricted</loc>
  <lastmod>2024-04-12T10:20:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11922903808785-What-can-I-do-to-remove-the-restrictions</loc>
  <lastmod>2024-05-01T10:55:03Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11923410793873-I-ve-been-the-victim-of-APP-fraud-how-can-you-help-me</loc>
  <lastmod>2025-09-03T10:25:52Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11923437951633-Authorised-Push-Payment-Fraud-explained</loc>
  <lastmod>2025-12-16T21:37:30Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11923873546129-How-often-do-you-assess-the-overdraft-interest-rate</loc>
  <lastmod>2025-05-31T23:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11923881080593-Does-my-age-affect-the-interest-rate-of-my-overdraft</loc>
  <lastmod>2024-02-26T09:10:23Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11923933449489-How-do-overdrafts-affect-my-credit-score</loc>
  <lastmod>2025-08-11T09:50:02Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11923957664401-Can-I-cancel-or-stop-using-my-overdraft</loc>
  <lastmod>2024-01-08T13:29:51Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11923958906897-I-can-t-afford-to-repay-my-overdraft-what-should-I-do</loc>
  <lastmod>2024-08-23T13:09:48Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11923987720721-Unarranged-overdrafts</loc>
  <lastmod>2025-08-11T09:38:54Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11937612366865-Do-you-run-a-credit-check-when-I-apply-for-a-current-account</loc>
  <lastmod>2024-04-27T07:57:54Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/11938059132561-What-interest-rate-is-paid-on-current-account-balances</loc>
  <lastmod>2025-12-18T15:09:17Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349356249745-What-is-Confirmation-of-Payee</loc>
  <lastmod>2024-04-14T23:35:53Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349360995985-How-does-Confirmation-of-Payee-work</loc>
  <lastmod>2024-02-12T18:09:26Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349376539025-What-if-I-want-someone-to-make-a-payment-into-my-Kroo-Bank-account</loc>
  <lastmod>2024-04-11T01:30:52Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349385503377-When-I-want-to-make-a-payment-to-a-new-payee-do-I-have-to-provide-the-first-and-last-name</loc>
  <lastmod>2024-02-12T18:10:06Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349399685393-What-happens-if-I-try-to-pay-someone-whose-bank-doesn-t-offer-Confirmation-of-Payee</loc>
  <lastmod>2024-02-21T21:22:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349403761681-Will-payments-and-payees-that-are-already-set-up-be-checked-by-Confirmation-of-Payee</loc>
  <lastmod>2024-03-05T14:34:55Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349462098577-What-happens-if-I-am-trying-to-pay-someone-who-holds-a-joint-account-do-I-need-to-enter-both-names</loc>
  <lastmod>2024-07-18T16:21:35Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349482371601-How-will-Confirmation-of-Payee-combat-fraud</loc>
  <lastmod>2024-01-15T12:55:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349484919697-What-happens-if-I-make-a-payment-to-the-correct-person-but-for-the-wrong-amount</loc>
  <lastmod>2024-01-15T12:55:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349487486865-How-is-my-data-protected</loc>
  <lastmod>2024-06-18T15:08:46Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349501914129-Opting-out-of-Confirmation-of-Payee</loc>
  <lastmod>2024-07-18T16:28:32Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/13349574695569-I-m-unhappy-with-Confirmation-of-Payee-can-I-make-a-complaint</loc>
  <lastmod>2024-09-03T11:00:03Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/14123137557393-Why-has-my-outbound-payment-been-returned</loc>
  <lastmod>2024-04-23T11:10:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/14163306106897-I-ve-been-referred-to-Kroo-but-my-application-is-still-being-processed</loc>
  <lastmod>2024-08-07T16:43:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/14491668101777-Can-I-refer-my-friends-to-Kroo</loc>
  <lastmod>2024-08-07T16:40:53Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15413317972113-Why-was-my-pre-paid-e-money-account-closed</loc>
  <lastmod>2024-03-07T10:41:13Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15413584942737-What-happens-if-someone-sends-money-to-my-old-account-details</loc>
  <lastmod>2024-03-01T21:19:06Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15413708132497-I-have-an-ongoing-complaint-or-complaint-taken-to-FOS</loc>
  <lastmod>2023-11-16T17:10:14Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15413741352465-I-want-to-make-a-complaint-about-PayrNet</loc>
  <lastmod>2024-02-10T18:03:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15413807992977-How-do-I-view-a-statement-now-that-my-e-money-account-is-closed</loc>
  <lastmod>2023-12-04T12:48:55Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15421201025681-Is-the-Current-Account-Switching-Service-available-at-Kroo</loc>
  <lastmod>2024-07-09T13:37:14Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15421269868945-Do-you-offer-joint-savings-ISAs-or-business-accounts</loc>
  <lastmod>2025-05-29T10:22:54Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15541711690385-Flagstone</loc>
  <lastmod>2025-12-01T01:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/15887093928721-What-do-we-need-to-perform-a-Confirmation-of-Payee-check</loc>
  <lastmod>2024-04-14T23:36:49Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17473442080145-What-is-a-loan-and-how-do-loans-work-at-Kroo</loc>
  <lastmod>2026-03-02T15:07:54Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17473484171537-What-can-I-use-my-Kroo-loan-for</loc>
  <lastmod>2025-09-19T08:29:05Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17473527359121-What-bank-account-can-I-use-to-receive-my-loan</loc>
  <lastmod>2026-03-19T16:30:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17473609114513-What-are-soft-and-hard-credit-searches-and-do-they-impact-my-credit-score</loc>
  <lastmod>2026-02-27T15:34:54Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17473644386321-How-is-the-loan-interest-calculated</loc>
  <lastmod>2026-02-27T15:35:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17473695136913-Can-I-borrow-more-if-I-have-an-existing-loan</loc>
  <lastmod>2026-03-19T16:35:34Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17473785559313-How-long-does-it-take-to-receive-the-loan-payment</loc>
  <lastmod>2026-03-19T16:41:43Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17473866157457-Are-there-any-fees-related-to-my-loan</loc>
  <lastmod>2025-09-19T08:50:43Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474043141265-How-to-apply-for-a-loan</loc>
  <lastmod>2026-03-19T16:46:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474093207313-Who-can-get-a-loan</loc>
  <lastmod>2026-03-09T09:00:02Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474111253009-Is-Airbnb-rental-income-accepted-as-a-type-of-income-when-I-apply-for-a-loan</loc>
  <lastmod>2025-09-19T09:17:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474144946961-How-many-repayments-can-I-split-my-loan-into</loc>
  <lastmod>2025-09-19T09:17:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474180984721-What-happens-if-my-loan-application-is-declined</loc>
  <lastmod>2026-03-19T16:49:46Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474372005777-How-can-I-cancel-my-loan-application</loc>
  <lastmod>2026-03-02T14:52:41Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474511460625-How-can-I-make-a-repayment-towards-my-loan</loc>
  <lastmod>2026-03-09T09:00:02Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474576204049-I-ve-missed-my-loan-repayment-What-do-I-do</loc>
  <lastmod>2026-03-09T09:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474579937937-Changing-my-loan-repayment-plan</loc>
  <lastmod>2026-03-12T15:50:05Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474639621265-What-if-I-can-t-afford-to-repay-my-loan</loc>
  <lastmod>2026-03-09T09:00:05Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474711415441-Can-I-cancel-close-my-loan-and-how-do-I-do-it</loc>
  <lastmod>2026-03-09T09:00:04Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474758988945-I-m-working-with-a-debt-management-company-What-happens-to-my-loan</loc>
  <lastmod>2026-03-09T09:00:04Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17474935447313-Can-I-consolidate-my-loan</loc>
  <lastmod>2026-03-09T09:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/17703359425169-What-devices-does-Kroo-support</loc>
  <lastmod>2026-01-26T01:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/18289155870097-Raisin</loc>
  <lastmod>2025-12-01T01:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/18338353222545-Where-can-I-find-more-information-about-Kroo-s-complaints</loc>
  <lastmod>2025-08-15T14:53:07Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/19270714078609-Statement-of-Fees-what-is-it-and-how-do-I-download-it</loc>
  <lastmod>2024-04-25T19:52:02Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/19270799324177-Interest-statement-what-is-it-and-how-do-I-download-it</loc>
  <lastmod>2024-05-01T23:36:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/19270850676113-Is-the-Certificate-of-Interest-different-from-the-Statement-of-Fees</loc>
  <lastmod>2024-04-23T06:56:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/19270994151697-I-can-t-find-a-Statement-of-Fees-in-my-app</loc>
  <lastmod>2023-11-16T17:23:52Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/19426080713233-I-m-getting-a-Account-does-not-exist-message-while-creating-a-new-payee-what-do-I-do</loc>
  <lastmod>2024-04-24T23:03:50Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/20130093950609-Do-I-need-a-Kroo-current-account-to-take-out-a-Kroo-loan</loc>
  <lastmod>2026-03-09T09:00:04Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/20130128092305-I-received-an-offer-for-a-Kroo-loan-on-a-price-comparison-website-Why-was-I-not-approved-for-a-loan</loc>
  <lastmod>2026-03-02T14:27:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/20195122300305-I-m-getting-a-Check-unavailable-message-while-creating-a-new-payee-what-do-I-do</loc>
  <lastmod>2024-01-16T15:38:37Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/20201571151121-How-do-I-report-incorrect-merchant-details</loc>
  <lastmod>2025-10-21T09:12:31Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/20921313538321-How-do-I-view-my-card-details-in-the-app</loc>
  <lastmod>2024-04-10T11:14:40Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954451546257-What-is-a-Pot</loc>
  <lastmod>2025-08-13T13:21:59Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954524390289-How-do-I-create-a-Pot</loc>
  <lastmod>2025-08-13T13:25:15Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954603708433-Do-I-have-to-set-a-goal-for-a-Pot</loc>
  <lastmod>2025-08-13T13:44:20Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954665640721-Can-I-reorder-my-Pots</loc>
  <lastmod>2025-08-13T13:48:40Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954684993425-How-do-I-delete-a-Pot</loc>
  <lastmod>2025-08-13T13:50:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954718898961-Will-I-earn-interest-on-the-money-in-my-Pots</loc>
  <lastmod>2025-08-13T13:54:34Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954723056401-Are-Pots-protected</loc>
  <lastmod>2025-12-01T01:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954776839697-Can-I-spend-directly-from-a-Pot</loc>
  <lastmod>2025-08-13T14:05:49Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954800982033-What-happens-if-I-have-money-in-my-Kroo-Pots-but-no-money-in-my-main-account</loc>
  <lastmod>2025-08-13T14:07:25Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954835702161-How-will-my-overdraft-work-if-I-have-money-in-my-Pots</loc>
  <lastmod>2025-08-13T14:35:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/21954838923921-Can-I-save-money-into-Pots-using-the-round-up-feature</loc>
  <lastmod>2025-08-13T14:36:57Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/22038665761809-Can-I-amend-the-name-of-my-Pot</loc>
  <lastmod>2025-08-13T13:46:37Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/23284033536785-Why-did-I-receive-an-interest-payment-adjustment</loc>
  <lastmod>2024-04-16T10:09:39Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/23433095315857-How-do-I-delete-a-contact</loc>
  <lastmod>2025-07-22T10:43:40Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/23482334397969-A-family-member-who-held-a-Kroo-account-has-passed-away-What-do-I-need-to-do</loc>
  <lastmod>2025-05-16T10:38:49Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/24185442934801-How-do-I-add-a-new-payee</loc>
  <lastmod>2024-04-15T08:43:25Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/27160289979665-How-to-complete-video-verification-in-the-app</loc>
  <lastmod>2024-07-31T14:46:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/27707441497617-I-recognise-a-card-transaction-but-the-merchant-details-are-wrong</loc>
  <lastmod>2024-08-21T15:42:22Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/28006370937873-What-happens-if-I-make-an-additional-payment-that-is-greater-than-the-remaining-loan-balance</loc>
  <lastmod>2025-09-19T09:29:08Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/30575784044817-Loan-annual-statement-what-is-it-and-how-do-I-download-it</loc>
  <lastmod>2026-03-09T09:00:03Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/30674496809233-Where-can-I-find-and-read-notifications-I-received-in-the-Kroo-app</loc>
  <lastmod>2025-01-28T16:59:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31639622688657-What-s-Kroo-s-address</loc>
  <lastmod>2025-01-09T15:30:15Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31770031372561-What-is-an-ISA</loc>
  <lastmod>2025-02-20T15:00:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31770191081489-What-type-of-ISA-does-Kroo-offer</loc>
  <lastmod>2026-01-08T10:44:11Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31770347981201-Who-is-eligible-to-open-a-Kroo-ISA</loc>
  <lastmod>2025-08-07T14:46:41Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31770699411601-How-much-can-I-save-in-an-ISA</loc>
  <lastmod>2025-02-20T15:00:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31770726462481-Can-I-hold-multiple-ISAs-at-Kroo</loc>
  <lastmod>2025-02-20T15:00:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31770819737489-Is-my-money-safe-in-a-Kroo-ISA</loc>
  <lastmod>2025-12-01T01:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31771029746833-What-is-the-interest-rate-on-a-Kroo-ISA</loc>
  <lastmod>2026-01-02T09:25:35Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31771160167569-Will-the-ISA-interest-rate-change</loc>
  <lastmod>2026-01-02T09:25:35Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31771260741649-How-often-is-interest-paid-on-Kroo-ISA</loc>
  <lastmod>2025-02-20T15:00:36Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31771377488145-Is-the-interest-I-earn-on-my-ISA-tax-free</loc>
  <lastmod>2025-02-20T15:00:36Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31771675866769-How-do-I-open-a-Kroo-ISA</loc>
  <lastmod>2025-08-21T09:29:26Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31771781873553-Can-I-transfer-an-existing-ISA-to-Kroo</loc>
  <lastmod>2025-04-17T08:40:53Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31771898269713-How-do-I-deposit-money-into-my-ISA</loc>
  <lastmod>2025-04-28T11:17:40Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31771968255633-Can-I-withdraw-money-from-my-Kroo-ISA</loc>
  <lastmod>2025-04-17T08:28:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31772098247953-Can-I-close-my-Kroo-ISA-at-any-time</loc>
  <lastmod>2025-04-17T08:28:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31772193899153-What-happens-if-I-exceed-the-ISA-allowance</loc>
  <lastmod>2025-04-17T08:28:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31772228600849-What-happens-to-my-ISA-if-I-move-abroad</loc>
  <lastmod>2025-04-17T08:28:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/31772309089809-How-can-I-contact-Kroo-for-ISA-support</loc>
  <lastmod>2025-04-18T13:08:43Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/32838303542289-How-do-I-make-a-complaint-about-my-ISA</loc>
  <lastmod>2025-04-17T08:28:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/32838371152273-Does-the-ISA-product-expire-or-mature</loc>
  <lastmod>2025-02-20T15:00:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/32838459003921-Can-I-add-money-from-multiple-tax-years</loc>
  <lastmod>2025-04-17T08:28:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/32838541485329-How-long-does-it-take-to-open-an-account</loc>
  <lastmod>2025-04-17T08:59:35Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/33401428266001-Do-you-provide-Individual-Savings-Account-ISA-statements</loc>
  <lastmod>2025-04-17T08:28:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/33870279467793-Can-I-transfer-in-multiple-ISAs-to-my-Kroo-ISA</loc>
  <lastmod>2025-04-18T13:11:06Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/33870342396945-How-much-can-I-transfer-to-my-Kroo-ISA</loc>
  <lastmod>2025-04-17T08:36:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/33870367777937-My-ISA-transfer-is-taking-a-long-time-what-do-I-do</loc>
  <lastmod>2025-04-17T08:36:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/33870471845265-Can-I-cancel-my-ISA-transfer-once-it-s-started</loc>
  <lastmod>2025-04-17T08:36:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/33870498238097-Do-I-earn-interest-on-my-money-while-ISA-is-being-transferred</loc>
  <lastmod>2026-01-02T09:25:35Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/33870524509969-Do-Kroo-accept-partial-ISA-transfers</loc>
  <lastmod>2025-04-17T08:36:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/35292561809297-What-is-Account-Takeover-fraud</loc>
  <lastmod>2025-08-07T13:12:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/35300100082065-What-is-identity-fraud</loc>
  <lastmod>2025-08-07T13:12:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/35715999972241-I-m-moving-abroad-Can-I-still-use-my-account</loc>
  <lastmod>2025-07-24T09:46:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/36284921788049-Gambling-block</loc>
  <lastmod>2025-07-03T08:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/36949648657425-What-if-my-Direct-Debit-or-Standing-Order-fails-due-to-insufficient-funds</loc>
  <lastmod>2025-07-31T15:47:20Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/37679781371665-How-to-cancel-a-Direct-Debit-or-Standing-Order</loc>
  <lastmod>2025-07-31T15:47:20Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/37862619035025-How-do-I-find-a-specific-transaction-in-the-Kroo-app</loc>
  <lastmod>2025-08-07T08:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/37862641823377-How-do-I-find-a-specific-transaction-in-the-Kroo-app</loc>
  <lastmod>2025-08-07T08:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/37862648381585-How-do-I-find-a-specific-transaction-in-the-Kroo-app</loc>
  <lastmod>2025-08-07T08:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/37884626985489-Social-Engineering-Scams</loc>
  <lastmod>2025-08-07T13:12:18Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/38948531584657-What-to-do-if-you-get-a-notification-about-adding-your-card-to-a-digital-wallet-but-it-wasn-t-you</loc>
  <lastmod>2025-09-11T09:45:08Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/39204164801937-If-I-have-accepted-my-loan-and-signed-the-agreement-can-I-change-my-mind-and-cancel-it</loc>
  <lastmod>2026-03-02T15:09:21Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/39204793405201-Why-haven-t-you-taken-my-loan-repayment-on-the-scheduled-repayment-date</loc>
  <lastmod>2026-03-09T09:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/43315173814033-What-is-an-account-to-account-payment-A2A</loc>
  <lastmod>2026-01-29T20:04:57Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/43315561970193-What-is-Visa-Click-to-Pay-CTP</loc>
  <lastmod>2026-01-29T20:05:42Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/articles/43514426211985-Why-do-you-need-my-tax-residency-information</loc>
  <lastmod>2026-02-04T16:57:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9262784621585-Moving-to-the-personal-current-account</loc>
  <lastmod>2025-01-15T09:02:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9264766985361-Account-basics</loc>
  <lastmod>2026-02-04T16:57:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9264769154321-Personal-current-account-limits</loc>
  <lastmod>2024-04-27T12:57:44Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9283331009681-Account-management</loc>
  <lastmod>2025-09-19T10:18:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9284542414993-Kroo-app-support</loc>
  <lastmod>2026-01-26T01:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9284646206865-Restricted-account-information</loc>
  <lastmod>2025-05-15T07:33:40Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9287942682513-Feedback</loc>
  <lastmod>2024-03-27T15:52:49Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9288087658129-Complaints</loc>
  <lastmod>2025-08-15T14:53:07Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9288624679697-Card-basics</loc>
  <lastmod>2026-01-29T10:37:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9290691591185-Using-your-card-for-online-transactions</loc>
  <lastmod>2026-01-29T10:37:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9292197819153-PIN-services</loc>
  <lastmod>2026-01-29T10:37:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9292775204625-Refunds</loc>
  <lastmod>2026-01-29T10:37:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9292927590673-Mobile-wallet-payments</loc>
  <lastmod>2026-01-29T10:37:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9310523220113-Payment-information</loc>
  <lastmod>2026-01-29T10:31:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9317260147729-Direct-Debits-scheduled-payments</loc>
  <lastmod>2026-01-29T10:31:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9319661466769-Group-payments</loc>
  <lastmod>2026-01-29T10:31:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9320256512401-Other-payments</loc>
  <lastmod>2026-01-29T10:31:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9320556822801-About-Kroo</loc>
  <lastmod>2025-09-17T13:25:03Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9324081739025-Using-Kroo-abroad</loc>
  <lastmod>2025-04-30T06:49:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9324082444305-Foreign-currency-transactions</loc>
  <lastmod>2024-08-23T14:35:12Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9324689771793-ATM-transactions</loc>
  <lastmod>2025-04-30T06:49:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/9324690118289-Cash-deposits</loc>
  <lastmod>2024-08-23T13:56:04Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/11923358552337-Fraud-and-scam-information</loc>
  <lastmod>2026-01-29T10:31:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/11933850747153-Disputes</loc>
  <lastmod>2026-01-29T10:37:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/11934174940305-Card-transactions</loc>
  <lastmod>2026-01-29T10:37:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/11935304290705-Pending-transactions</loc>
  <lastmod>2026-01-29T10:37:24Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/11938015870865-Interest-on-your-current-account</loc>
  <lastmod>2025-12-18T15:09:17Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/13349270111633-Confirmation-of-Payee</loc>
  <lastmod>2026-01-29T10:31:56Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/14129315189137-Inviting-friends-to-Kroo</loc>
  <lastmod>2024-08-07T16:43:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/15540465146513-Partnerships</loc>
  <lastmod>2025-12-01T01:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/17472479984529-Overdrafts</loc>
  <lastmod>2025-08-13T14:35:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/17472509766545-Loans</loc>
  <lastmod>2026-03-19T16:49:46Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/17473268801425-Applying-for-a-loan</loc>
  <lastmod>2026-03-19T16:49:46Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/17473299387793-Managing-my-loan</loc>
  <lastmod>2026-03-12T15:50:05Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/21954201127825-Kroo-Pots</loc>
  <lastmod>2025-12-01T01:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/21954207236753-Features</loc>
  <lastmod>2025-12-01T01:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/31769770735249-ISAs-basics</loc>
  <lastmod>2026-01-08T10:44:11Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/31769785943953-Interest-on-Kroo-ISAs</loc>
  <lastmod>2026-01-02T09:25:35Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/31769874711953-Managing-my-ISA</loc>
  <lastmod>2026-01-02T09:25:35Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/34464996311825-ISA-transfers</loc>
  <lastmod>2026-01-02T09:25:35Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/40500989775505-A2A</loc>
  <lastmod>2026-01-29T20:04:57Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/sections/43315424873617-Click-to-Pay-CTP</loc>
  <lastmod>2026-01-29T20:05:42Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9261692179473-Individual-Saving-Account-ISA</loc>
  <lastmod>2026-01-08T10:44:11Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9264694766993-Personal-current-account</loc>
  <lastmod>2026-02-04T16:57:09Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9282341698705-Using-my-account</loc>
  <lastmod>2026-01-26T01:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9288631502993-Cards</loc>
  <lastmod>2026-01-29T20:05:42Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9310536492305-Payments</loc>
  <lastmod>2026-01-29T20:04:57Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9320624503697-About-Kroo</loc>
  <lastmod>2025-12-01T01:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9321294785041-Spending-abroad</loc>
  <lastmod>2025-04-30T06:49:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9324675346577-Cash-and-cheques</loc>
  <lastmod>2025-04-30T06:49:33Z</lastmod>
</url>
<url>
  <loc>https://help.kroo.com/hc/en-gb/categories/9324818175505-Borrowing</loc>
  <lastmod>2026-03-19T16:49:46Z</lastmod>
</url>
</urlset>
