Where friends
& money meet

We’re building a new bank that's as social as you are.

Split costs with your Kroo and we'll do the maths. From holidays to flatshares and everything in-between! Spend and settle with instant transfers and a debit Mastercard®.

Sign up for free in minutes

An image of the Kroo app displayed on two phones, alongside a card

All Kroo cards are now working as normal, as the Financial Conduct Authority (FCA) has lifted the restrictions on our provider Wirecard Card Solutions Ltd (Wirecard). Click here for more information.

TechCrunch logo
Evening Standard logo
Tech Nation logo

Making money social

A screenshot demonstrating how to split a bill in the Kroo app

Split & track group expenses

Splitting a bill is our thing. With Groups you can stay on top of shared spending with your houseshare, trips, friends, and family.

Smart notifications

With instant spending notifications and Group updates, you can stay on top of your personal and social finances.

Zero fees at home & abroad

Take Kroo with you on holiday and spend abroad fee free wherever Mastercard is accepted. No charges for ATM withdrawals.

Instant payments

Pay and receive money from fellow Kroo account holders. No more awkward texts, get paid back quickly, safely and securely.

How it works

With our smart and simple tracker, managing group expenses is as easy as 1-2-3.

A line drawing of three friends adding expenses to a group

Add expenses easily

From flight tickets to Sunday roast and everything in-between, keep track of all your spending.

A line drawing of three friends describing their group balances

Track who owes who

Say goodbye to awkward texts. See who owes who and settle up instantly in the app.

A line drawing of one friend sending money to another in the group

Settle up

No more calculators at the end of your meal. Split transactions with a group in just a few taps.

And all for free!

  • Contactless Debit Mastercard
  • Zero fees for ATM withdrawals or transactions overseas
  • Pay friends instantly in the app
  • Instant spending notifications
  • Account top up with sort code & account number
  • No credit checks
  • UK based customer support
  • Freeze & unfreeze your card

Download and sign up in less than 5 minutes

Breathe easy,
you’re in safe hands

Icon of a fingerprint

Face & fingerprint technology

Authorise in app payments and view your PIN using Face ID or your fingerprint.

Icon of a snowflake

Lost your
card?

Freeze it in the app and order a new card instantly.

Icon of a shield

Your money is safe with us

We use strong cutting edge encryption, constantly updated over time to keep you safe.

Icon of two speech bubbles overlapping

UK based customer support

Our friendly team are here to help. Drop us a message in app and we’ll get back to you ASAP.

heart

Join our Kroo!

Want to be a big part of creating this?
Check out Careers to join us on our journey.

Explore positions