Kroo Bank Ltd is a financial institution that offers a modern banking experience through its current account and savings products. Targeting individuals seeking straightforward banking solutions, the company allows customers to open a current account that earns interest at a competitive rate of 2.65% AER (variable) on their balance. Additionally, Kroo Bank provides a Flexible Cash ISA, which offers an interest rate of 3.80% AER (variable) for customers looking to enhance their savings. The bank focuses on providing a user-friendly platform with real-time spending insights, enabling customers to track and categorize their transactions effortlessly. With no monthly fees and zero fees on spending abroad, Kroo Bank aims to simplify personal finance management while ensuring that customer deposits are protected under the Financial Services Compensation Scheme up to £120,000.
Kroo Bank Ltd receives mixed feedback from its customers, with a notable divide in experiences. Many reviewers appreciate the easy and quick process of opening an account, highlighting the user-friendly app and prompt responses to inquiries.
However, a significant number of customers express frustration over account management issues, particularly regarding frozen accounts and poor customer service. Complaints about intrusive inquiries into small transactions and a lack of human support exacerbate these concerns. While some users report satisfaction with their banking experience, others warn potential customers to avoid the bank due to these persistent problems. Overall, Kroo Bank Ltd has both its advocates and detractors, reflecting a divided sentiment among users.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.4 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Aug 25 | 3.9 | 37 |
| Sep 25 | 2.7 | 23 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“I found the whole process of opening my account very straightforward”
“Once again for the 13 day in a row I’ve not a human reply to my account being frozen which I’ve rang their customer s...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Delivery | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 3.4 out of 5 (fair) | 100 out of 100 | 2.3 out of 5 (poor) | 2.7 out of 5 (poor) | 5.0 out of 5 (good) | — | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | 4.8 out of 5 (good) | — | 1,060 |
Bottom line: Kroo Bank Ltd is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 2.3).
60 reviews of Kroo Bank Ltd. Filter by what matters to you.
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Quick answers to the questions people ask most.
Kroo Bank Ltd has a mix of customer experiences, with a significant number of reviews highlighting an easy account opening process and user-friendly app. However, it's important to note that there are also numerous negative reviews regarding customer service and account management.
Kroo Bank Ltd is not identified as a scam, but safety concerns have been raised by customers regarding account freezes and slow customer support. Verified reviews indicate a pattern of dissatisfaction, especially related to timely responses.
Kroo Bank Ltd primarily offers banking services including personal accounts and ISAs. Customers have noted the ease of setting up accounts and using the mobile app.
Kroo Bank Ltd allows various payment methods through its mobile app, although specific details on payment types may vary. Customers have expressed satisfaction with the app's usability.
You can reach Kroo Bank Ltd's customer support through their app or website. However, customer feedback indicates that response times may be slow, with some users reporting frustration over unaddressed inquiries.
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Polarized pattern: few middle ratings. 62% of recent reviews are 4–5★ and 38% are 1–2★.
Kroo Bank Ltd is a financial institution that offers a modern banking experience through its current account and savings products. Targeting individuals seeking straightforward banking solutions, the company allows customers to open a current account that earns interest at a competitive rate of 2.65% AER (variable) on their balance. Additionally, Kroo Bank provides a Flexible Cash ISA, which offers an interest rate of 3.80% AER (variable) for customers looking to enhance their savings. The bank focuses on providing a user-friendly platform with real-time spending insights, enabling customers to track and categorize their transactions effortlessly. With no monthly fees and zero fees on spending abroad, Kroo Bank aims to simplify personal finance management while ensuring that customer deposits are protected under the Financial Services Compensation Scheme up to £120,000.
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