Choose Atom if...
- You mainly want app-based savings.
- You do not need a current account from this provider.
- You want FSCS-protected savings from a digital bank.
- You are comparing savings-focused digital providers.
Updated 3 July 2026 - Digital bank comparison
Atom Bank vs KrooWhich should you choose?
Atom Bank and Kroo can both be useful digital banking options, but they are built for different priorities. Atom may suit you if savings, mortgages and app-only banking without a current account matters most, while Kroo may be worth comparing if you prefer ethical banking, fee-free travel and social spending.
Quick verdict
Pick Atom if you mainly want app-based savings.
Pick Kroo if you want a simpler ethical digital bank.
Choose Kroo if...
- You want a simpler ethical digital bank.
- You often split bills or manage money with friends.
- You want fee-free card use abroad.
- You do not need a wide product range.
Atom vs Kroo: side-by-side
| Category | Atom | Kroo | Edge |
|---|---|---|---|
| Best overall fit | Savings, mortgages and app-only banking without a current account | Ethical banking, fee-free travel and social spending | Tie |
| Monthly fee | No current account monthly fee because Atom does not offer a standard current account. | No monthly fee on the personal current account. | Tie |
| Budgeting tools | Limited: Atom is not built around everyday budgeting or current account tools. | Simple: spending insights, social payments and shared Pots, but fewer advanced tools. | Tie |
| Spending abroad | Not a travel spending account; Atom does not offer a standard debit card current account. | Very strong: no Kroo fee for card spending or ATM withdrawals abroad. | Tie |
| Deposit protection | Eligible deposits protected by FSCS up to the current UK limit. | Eligible deposits protected by FSCS up to the current UK limit. | Tie |
| Support | Digital support through app and online channels. | Digital support through the app and help centre. | Tie |
| Business banking | No standard business current account for everyday payments. | No business account currently offered. | Tie |
| Extra products | Savings accounts, mortgages and lending products may be available. | Current account interest, social spending tools, personal loans and a cash ISA may be available. | Tie |
Final verdict
Atom and Kroo are worth comparing side by side. The better fit depends on whether you care more about savings, mortgages and app-only banking without a current account or ethical banking, fee-free travel and social spending.
The best choice depends on what you want the account to do. If one option fits your day-to-day habits better, that usually matters more than a single headline feature.
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