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.
Digital bank comparison
Kroo vs Revolut
Kroo and Revolut can both be useful digital banking options, but they are built for different priorities. Kroo may suit you if ethical banking, fee-free travel and social spending matters most, while Revolut may be worth comparing if you prefer travel, multi-currency use and extra finance features.
Evidence reviewed 3 September 2026
Kroo
RevolutWhere Kroo may fit
Pick Kroo if you want a simpler ethical digital bank. For spending abroad, Kroo: very strong: no Kroo fee for card spending or ATM withdrawals abroad.
Where Revolut may fit
Pick Revolut if you travel often or use multiple currencies. For spending abroad, Revolut: excellent for international spending and currency tools, subject to plan limits and terms.
Comparison context
What this comparison is for
When this page is useful
Use this comparison if you are deciding whether Kroo or Revolut better fits a specific banking need. Kroo is positioned around an ethical everyday current account with social spending and travel strengths, while Revolut is positioned around a broad finance app with travel, currency and paid-plan features.
The main difference
Kroo is known for a free current account with ethical positioning, group spending tools and fee-free travel use. Revolut is known for multi-currency tools, travel features, investments and paid plan perks. On deposit protection, Kroo: eligible deposits protected by FSCS up to the current UK limit. Revolut: eligible UK bank deposits may be FSCS protected where held with Revolut Bank UK. Check the table below against the features you actually need before treating either provider as the better fit.
Choose Revolut if...
- You travel often or use multiple currencies.
- You want more financial tools in one app.
- You may use paid plans for higher limits and perks.
- You want international transfers and global spending features.
Kroo vs Revolut: side-by-side
| Category | Kroo | Revolut | Edge |
|---|---|---|---|
| Overall fit | Ethical banking, fee-free travel and social spending | Travel, multi-currency use and extra finance features | Tie |
| Monthly fee | No monthly fee on the personal current account. | Free plan available, with several optional paid plans. | Tie |
| Budgeting tools | Simple: spending insights, social payments and shared Pots, but fewer advanced tools. | Good: Pockets, analytics and spending controls, but less budgeting-led than Monzo. | Tie |
| Spending abroad | Very strong: no Kroo fee for card spending or ATM withdrawals abroad. | Excellent for international spending and currency tools, subject to plan limits and terms. | Tie |
| Deposit protection | Eligible deposits protected by FSCS up to the current UK limit. | Eligible UK bank deposits may be FSCS protected where held with Revolut Bank UK. | Tie |
| Support | Digital support through the app and help centre. | 24/7 in-app support, with priority support on some paid plans. | Tie |
| Business banking | No business account currently offered. | Business and freelancer accounts available. | Tie |
| Extra products | Current account interest, social spending tools, personal loans and a cash ISA may be available. | Currency exchange, international transfers, investments, crypto, rewards and travel perks. | Tie |
Final verdict
Kroo and Revolut are worth comparing side by side. The better fit depends on whether you care more about ethical banking, fee-free travel and social spending or travel, multi-currency use and extra finance features. On monthly fees, Kroo: no monthly fee on the personal current account. Revolut: free plan available, with several optional paid plans.
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