Kroo review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kroo is a UK debit card built for travel, and it suits anyone who pays in other currencies and wants a cheap, plain way to spend abroad. The monthly fee sits at £0 and the currency conversion fee at 0%, with visa acceptance through Kroo Bank Ltd.
Pros and cons
Pros
- Currency conversion fee of 0% on spending abroad, against 0.1% for Wise.
- A debit card with a monthly fee of £0, so running costs stay at no extra charge.
- Regulated in the UK by the Prudential Regulation Authority and the Financial Conduct Authority.
- Pays on the visa network, which is the most widely accepted network on the site at 57.6%.
Cons
- Support runs on email and chat only, with no phone line listed for questions that need a conversation.
- The feature set is listed as travel, so the card covers spending abroad rather than crypto buying, custody or crypto spending.
Who it suits
- UK residents who travel often and want a card with a monthly fee of £0 and a conversion fee of 0%.
- People who would rather bank with a regulated UK institution, since the card is issued by Kroo Bank Ltd.
- Anyone happy to handle questions by email and chat rather than on a call.
Who should look elsewhere
- Wise, if you want a card alongside a multi-currency account and can accept a conversion fee of 0.1%.
- Bitpanda, if a euro account and card with a monthly fee of €0 suit your spending better.
- BMW Card von American Express, if you pay mainly in dollars and a monthly fee of $0 matters less than conversion cost.
How Kroo compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.1A euro account whose monthly fee is €0, which suits readers whose spending is in euros rather than pounds.
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.9- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.3
Where Kroo is available
- Available
- United Kingdom
- Licence in United Kingdom
- Prudential Regulation Authority / Financial Conduct Authority (953772), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does it cost to run a Kroo card?+
Kroo sets the monthly fee at £0 and the currency conversion fee at 0%. On a debit card aimed at travel, that means there is no monthly or conversion charge to budget for when you spend outside the UK.
Is Kroo regulated?+
Yes. The card comes from Kroo Bank Ltd, which is regulated in the UK by the Prudential Regulation Authority and the Financial Conduct Authority. Holding an account with a UK authorised bank keeps your money inside the UK regulatory system.
Which network does the Kroo card run on?+
It is a debit card on the visa network, so it is accepted wherever Visa debit cards are taken. Because it draws on your balance rather than a prepaid balance, the 0% conversion fee covers the cost of paying abroad.
How do I get help from Kroo?+
Support runs on email and chat, so you reach the team through chat or by email. There is no phone line listed, which suits people who prefer a written record but leaves voice callers with one channel.
Is Kroo a crypto card?+
No. The card is a debit card from Kroo Bank Ltd and its listed feature is travel, so it spends your bank balance rather than crypto. Buying, holding and spending crypto sits with a different kind of provider.
How do Kroo fees compare with other brands?+
Kroo lists a currency conversion fee of 0% against 0.1% for Wise. On this measure it ranks 1 out of 237 brands compared, and it also ranks 1 out of 379 brands on monthly fees at £0.
Is the Kroo card only for UK residents?+
The account is run by Kroo Bank Ltd and regulated in the UK, so it is a UK account tied to UK banking rules. Spending abroad is the main use case for the 0% conversion fee, rather than holding the account in another market.
What kind of account is behind the Kroo card?+
It is a debit card rather than a prepaid or credit card, so it spends money already in the account. The monthly fee is £0 and payments run over the visa network.
How does the conversion fee sit against the rest of the ranking?+
The median conversion fee across this ranking is 1% and the upper quartile reaches 2.25%. Kroo's 0% therefore sits at the low end rather than around the middle.
Sources
- kroo.com checked September 26, 2026
Backs: Monthly fee
“No monthly account fees - current account”
- kroo.com/current-account checked September 26, 2026
Backs: Card type
“Use your Kroo Bank debit card around the world - current account”
- kroo.com/documents/current-account-terms-and-conditions.html checked September 26, 2026
Backs: Legal entity, Support channels, Licences
“Kroo Bank Ltd (we/our/us/Kroo) is registered in England and Wales”
- kroo.com/spending-abroad checked September 26, 2026
Backs: Features, Currency conversion fee, Card network
“Fee-free spending abroad and no foreign transaction fees - current account”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.