Real exchange rates
We use Visa's exchange rate and pass it directly to you, with no added markup on card purchases abroad.
Spending abroad
See more of the world, while your money goes further
Fee-free spending abroad and no foreign transaction fees on card purchases1.
Kroo is the perfect travel buddy
Cash abroad
Withdraw cash overseas without ATM fees from Kroo. Local ATM operators may charge their own fees.
Travel with confidence
Freeze your card instantly, use biometric security and get support from our UK-based team when you need it. Don't forget to add your card to your digital wallet.
Split travel costs
Track, split and settle shared expenses with friends, from flights and hotels to meals and activities.
Understand exchange rates
In Europe, the European Central Bank (ECB) publishes reference exchange rates between world currencies based on a daily average of European central banks, but individuals can't get those rates directly.
When you spend abroad, your bank will be using a card scheme (Kroo uses Visa), and that scheme can set an exchange rate which could be above the ECB rate.
Your bank can then either pass on that scheme rate directly to you, or add a mark-up or fees on top to make money. At Kroo Bank we don't add a mark-up or fees.
All banks are now required to show you the ECB rate and any fees or charges they add on top. So you can fairly compare rates between all providers, and see how good the deal you're getting is. We've provided a link to show you the Visa rate, so you can see that we're passing it on directly with nothing added.
Pay with Apple Pay or Google Pay
Add your Kroo Bank card to your digital wallet and pay the easy, secure way.
Feel confident about your money
Financial Services Compensation Scheme deposit protections up to £120,000 per customer.
See more of the world, while your money works for you
With Kroo, you can spend abroad without foreign transaction fees from us and keep more of your money for what matters.
Our customers love us
DEAN HAYDEN
15 July 2026
Kroo are kool
BEAUTY
14 July 2026
Fast, easy to navigate and stress free
customer
11 July 2026
Is what I saw not what I heard
Mohamed Nadeem
11 July 2026
Everything was very simple and easy
D Mullan
8 July 2026
Been with Kroo for about 3 years now. Could not be happier, very competitive interest rates on Current account credit balance. Opening account was done on my phone, a simple process, opened my ISA, also pain free. The phone app itself is very intuitive and full of features, unlike some 'traditional' high street banks 'efforts' . Transfers to other UK account are very fast. Have not had an issue of any description so far. Thanks Kroo
customer
8 July 2026
amazing service, the platform is very friendly and neat unlike most applications, the cards are very minimalist and premium feel compared to other bank cards ive had, and the entire look of it in my wallet just matches oh so well. thank you so much, Kroo! And thank you very much for letting us lucky customers join the Kroo.
customer
6 July 2026
Amazing and easy and fast
Alistair Gordon
5 July 2026
Always good to be able to speak with a Human , unlike other companies
Nicholas Chapman
5 July 2026
Love the ethics, the interest, the service, and the fact that I can run the app on my LineageOS deGoogled phone. Yes!
SH
5 July 2026
Clear information. Simple and straightforward process.
Rob
4 July 2026
ive only joined the bank for a few days. i think the app is very good xx carnt wait to get my new card. and i like the idea of you asking my opinion in the future development of the app and kroo bank .im looking forward to how everything develops.
Dave
3 July 2026
Seamless performance with immediate response to requested actions.
Desmond Dewey
2 July 2026
I am truly happy with their services and admire their interest rates
customer
1 July 2026
Best in the world good services
Johnlee Hawthorne
1 July 2026
Just easy access to everything very satisfied
Nicole
1 July 2026
I have been a member with Kroo since 2023, I am happy with the service they provide.
Eamonn Nash
30 June 2026
Kroo bank interface is really attractive, consumer friendly, ergonomic. The service from Kroo customer support is good, you can chat to them from the app. They handle chargeback disputes well unlike Monzo. If you think Monzo is a good bank Kroo are a lot better because they actually protect you against fraud if you make payment with your Kroo debit card and they will follow up your chargeback unlike Monzo who will delete your account and can't be bothered to deal with your chargeback. I think the fact that Kroo are willing and put effort into dealing with your chargeback is a big positive statement to people to support Kroo, because if they can protect your money during fraud cases. It should increase your trust big time. Another thing I love about Kroo that no other bank provides is their 3% current account interest rate. A bank that provides the highest interest rate for its current account! Amazing!
Peter Cannon
30 June 2026
I have been using Kroo for some time now and have not looked back. Smooth reliable app and all the banking practices you could ever need.
Graham
29 June 2026
Having been coerced into transfering funds by scammers, Kroo moved really quickly to recover my losses. Great team. I can highly recommend Kroo Bank as a safe secure place to keep your money.
Tony Hunt
29 June 2026
Fast efficient and great at making alternative arrangements