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Lender Details›Kroo Bank Ltd
Challenger BankApp-only current account bank

Kroo Bank Ltd

Also known as: Kroo; Kroo Bank

Kroo is a UK digital bank offering personal current accounts and savings via a mobile app. It launched its current account with a full banking licence in 2023, making it one of the newer entrants to the UK challenger bank market.

Kroo's current account includes a Visa debit card, in-app spending insights, and an interest-earning current account balance. The bank is positioned around social features, including the ability to split bills with friends.

The regulatory and operational details for Kroo should be verified on the FCA Register and Companies House, as information on newer challenger banks can change more rapidly than established institutions.

If you are a Kroo customer with a query, contact the bank through the app or their website. For eligible deposits, verify FSCS protection status with the bank.

Quick summary

Company typeChallenger Bank
Trading namesKroo; Kroo Bank
FCA Firm Ref (FRN)Not verified — verify at register.fca.org.uk
FCA statusNot verified — verify current regulatory status at register
Companies House no.Not verified
Company statusNot verified
Parent companyNot verified
Official websitehttps://www.kroo.com ↗
Date last checked2026-07-06

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Why someone might search for Kroo Bank Ltd

General query
Contact details
FCA status check
Complaint
Affordability concern

Before you contact Kroo Bank Ltd

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?What is my current balance or account status?
  • ?What are my repayment or payment options?
  • ?How do I make a formal complaint?
  • ?Is there a payment support or hardship team I can speak to?
  • ?Where can I find free independent advice about my situation?

Contact details

Websitehttps://www.kroo.com ↗
PhoneNot verified
EmailNot verified
Registered addressNot verified — verify at Companies House

Always use contact details from Kroo Bank Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference NumberNot verified — verify at register.fca.org.uk
FCA statusNot verified — verify current regulatory status at register.fca.org.uk before using this service.
FCA permissions (summary)Not verified
Companies House numberNot verified
Company statusNot verified
Parent companyNot verified
Check FCA Register ↗Check Companies House ↗

Useful official links

↗FCA Register — verify any firm↗Companies House — company records↗Financial Ombudsman Service — complaints↗MoneyHelper — free money guidance↗StepChange — free debt advice↗National Debtline — free debt advice↗Citizens Advice — free advice

What they do

Main products and services

Personal current accounts; savings accounts; mobile banking app

Trading names and group notes

Formerly known as Kroo (previously operating as a personal finance app before obtaining a full banking licence). Verify all details at register.fca.org.uk and Companies House.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

4.4

Not verified reviews

Other review sources

Not verified

Overall public sentiment

Not verified

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Common questions about Kroo Bank Ltd

Is Kroo Bank Ltd FCA authorised?+
Check the FCA Register at register.fca.org.uk using the FCA Firm Reference Number (FRN) listed on this page. Always verify directly from official sources.
How do I contact Kroo Bank Ltd?+
Contact details are listed on this page where verified. Always use contact details from the company's official website or the FCA Register rather than details found in unexpected letters or texts.
How do I make a complaint to Kroo Bank Ltd?+
Start with the company's formal complaints process. If unresolved, the Financial Ombudsman Service (financial-ombudsman.org.uk) may be able to help, depending on the type of complaint.
What should I do if I cannot afford repayments?+
Contact the company as soon as possible. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Where can I get free help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

GuideHow to complain to a bank or lenderRead →GuideHow to check if a lender is FCA authorisedRead →GuideHow to build a monthly budgetRead →GuideFree debt help in the UKRead →

Sources and date checks

Source URLs used in preparing this record

https://www.kroo.com ↗https://register.fca.org.uk ↗https://find-and-update.company-information.service.gov.uk ↗

Date checked

2026-07-06

Next review due

Periodic review

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Spot an error on this page?

If you notice a wrong phone number, outdated FCA status, changed name or broken link, you can report it. We aim to verify and update the record as soon as possible.

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