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 Tandem
Kroo and Tandem 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 Tandem may be worth comparing if you prefer savings and greener lending rather than everyday current accounts.
Evidence reviewed 13 August 2026
Kroo
TandemWhere Kroo may fit
Pick Kroo if you want a simpler ethical digital bank.
Where Tandem may fit
Pick Tandem if you want app-based savings.
Comparison context
What this comparison is for
When this page is useful
Use this comparison if you are deciding whether Kroo or Tandem better fits a specific banking need. Kroo is positioned around an ethical everyday current account with social spending and travel strengths, while Tandem is positioned around a savings and greener lending provider rather than an everyday current account.
The main difference
The main difference is focus. Kroo may suit readers who care most about ethical banking, fee-free travel and social spending, while Tandem may suit readers who care more about savings and greener lending rather than everyday current accounts. Check the table below against the features you actually need before treating either provider as the better fit.
Choose Tandem if...
- You want app-based savings.
- You are comparing greener finance providers.
- You do not need everyday current account tools.
- You want FSCS-protected savings from a digital provider.
Kroo vs Tandem: side-by-side
| Category | Kroo | Tandem | Edge |
|---|---|---|---|
| Overall fit | Ethical banking, fee-free travel and social spending | Savings and greener lending rather than everyday current accounts | Tie |
| Monthly fee | No monthly fee on the personal current account. | No standard current account monthly fee because Tandem is not positioned as an everyday current account. | Tie |
| Budgeting tools | Simple: spending insights, social payments and shared Pots, but fewer advanced tools. | Limited: not a budgeting-led current account app. | Tie |
| Spending abroad | Very strong: no Kroo fee for card spending or ATM withdrawals abroad. | Not a travel spending account; Tandem is not built around debit card spending 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 the app and help centre. | Digital support through app and online channels. | Tie |
| Business banking | No business account currently offered. | No mainstream business current account for everyday payments. | Tie |
| Extra products | Current account interest, social spending tools, personal loans and a cash ISA may be available. | Savings, green lending and borrowing products may be available. | Tie |
Final verdict
Kroo and Tandem 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 savings and greener lending rather than everyday current accounts.
The right 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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