RelatedUnited KingdomZero Min DepositOnline OnlyFast Approval

KrooKroo 银行

United Kingdom 数字银行 Fully online Residents only ★ 4.1
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Minimum depositNo minimum deposit
Monthly feeZero maintenance fee
Minimum balanceNo minimum balance
How to applyFully online (Kroo app)
Processing timeOnline in minutes
Institution typeDigital Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Kroo is a UK-licensed digital bank that gained a full banking licence in 2022, focused on sustainability and competitive interest on balances.

Advantages

  • Interest paid on current-account balance
  • No monthly fee
  • Instant spend notifications
  • FSCS-protected up to £85,000

Things to note

  • UK residents only
  • No branches
  • Features are still maturing
  • Requires a UK mobile number

Documents required

  • UK photo ID
  • UK address
  • UK mobile number

Requires UK residency; non-residents cannot apply.

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

No Monthly FeeNo Min DepositFully OnlineDigital BankFast Approval
Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Can non-residents open an account with Kroo?

No. Kroo is only open to UK residents.

How much money do I need to open a Kroo account?

No minimum deposit — the account can be opened at zero.

What documents are required for a Kroo account?

Have your UK photo ID, UK address and UK mobile number ready, then verify.

How long does Kroo account opening take, and must I visit a branch?

A few minutes in the app; approval is usually instant to a few days.

Why might a Kroo application be rejected?

Common reasons: not a UK resident, unverifiable address/number, mismatched details, or failed KYC.

Does Kroo have any opening offers or new-account rewards?

Standing benefits: No Monthly Fee, No Min Deposit, Fully Online, Digital Bank, Fast Approval. Promotions change by region and quarter — always check the bank's official promo page (verified 2026-10).

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.

Other accounts in this region

Starling Bank ★ 4.5 Monzo ★ 4.5 Chase UK ★ 4.3 Zopa ★ 4.2 HSBC UK ★ 3.6 Barclays ★ 3.5

Guides mentioning this bank

How to Open a UK Bank Account: Digital vs Traditional→
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