Flexible Cash ISA
3.00% AER variable / 2.96% gross
- Rate type
- Variable
- Access
- Access your money whenever you need it
- Minimum
- Not published
- Withdrawals
- Free, with no penalty, and replaceable within the same tax year without losing tax-free status
Cash ISA
Kroo Cash ISA
Kroo offers one Cash ISA, and unlike most of the field it is a flexible one: money can be withdrawn and paid back in within the same tax year without using up more of the allowance. Deposits and withdrawals are free and access is immediate.
Last updated: 9 September 2026
At a glance
1 ISA covered
- Flexible Cash ISA
- Free deposits and withdrawals
- Access whenever you need it
The accounts
Kroo Cash ISAs
Rates and terms as published by Kroo and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.
The rules
Eligibility, transfers and protection
- Who can apply
- Opened and managed through the Kroo app
- Funding
- Alongside a Kroo current account
- Transfers in
- Not stated on the product page — confirm with Kroo
- Flexible ISA
- Yes — withdrawals can be replaced within the tax year without using more allowance
- Deposit protection
- FSCS protected up to £120,000
- Charges
- No fees for deposits or withdrawals
Before you commit an allowance
What to check first
- Flexibility is the reason to look here. Most of the Cash ISAs on this site are not flexible, so a withdrawal permanently costs you that much allowance. Kroo's is, which matters if there is any chance of needing the money back.
- The rate is variable and lower than the fixed-rate ISAs elsewhere on the site. You are trading rate for access and flexibility.
- Kroo does not publish its ISA transfer-in position on the product page. If you are moving an existing ISA, confirm it before applying rather than withdrawing the money yourself, which would lose its tax-free status.
- Kroo describes the account as available while the product is on sale, so check it is still open to new applications.
A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.
Comparing Kroo's Cash ISA?
See how it sits against the other UK banks offering a Cash ISA, or read the full review of the bank behind it.