Kroo Bank

Kroo Bank Mobile Banking App User Guide Welcome to the Kroo Bank Mobile Banking app, your go-to platform for managing your finances effortlessly. This guide will help you navigate the app’s features and make the most of your Kroo current account. Getting Started Download the App: Visit the App Store (iOS) or Google Play Store (Android) and search for “Kroo Bank.” Tap “Install” to download and install the app on your device. Sign Up or Log In: Open the app and follow the prompts to sign up by entering your personal information, verifying your identity, and setting up a secure password. If you’re an existing user, simply log in with your Kroo account credentials. Set Up Security Features: For added security, enable biometric authentication such as Face ID or Android Fingerprint. You can do this during the setup process or later in the app settings. Managing Your Account View Account Balance and Transactions: On the home screen, you can view your current account balance and recent transactions. Tap on any transaction to see more details or categorize it for better tracking. Earn Interest on Balances: With a Kroo current account, you earn 4.10% AER / 4.02% Gross (variable) interest on balances up to £500,000. Interest is calculated daily and paid into your account monthly. To view your earned interest, check the “Interest Earned” section in the app. Track Your Spending: Use the app’s intuitive spending insights to categorise and monitor your transactions. The app automatically breaks down your spending by category, helping you stay on top of your budget and identify areas where you can save. Fee-Free Spending Abroad: Enjoy zero fees when using your Kroo debit card for purchases abroad. The app allows you to track your foreign transactions and see real-time currency conversions. Overdrafts (By Invitation Only): If you’ve been invited to apply for an overdraft, you can do so directly through the app. Once approved, you can manage your overdraft settings and view your overdraft balance. Personal Loans Apply for a Loan: Kroo personal loans are available by invitation only. If you receive an invitation, you can apply directly through the app by providing the necessary details and choosing your loan amount and repayment period. The loan terms and your repayment schedule will be displayed before you confirm your application. Manage Your Loan: Once your loan is approved, you can view your loan balance, repayment schedule, and make early payments directly through the app. The app also allows you to track your repayment progress. Security and Support Security Features: Kroo Bank prioritizes your security with features like Face ID, Android Fingerprint, multi-factor authentication, and the ability to freeze or unfreeze your card if it’s lost or stolen. You can manage these settings in the “Security” section of the app. FSCS Protection: Your deposits with Kroo are protected up to £85,000 per customer under the Financial Services Compensation Scheme (FSCS). You can view your protection status in the “Account Details” section. Customer Support: For any questions or assistance, you can reach Kroo’s UK-based customer support directly through the app. Navigate to the “Help” or “Support” section to contact support via chat or phone. Additional Features Freeze and Unfreeze Your Card: If you’ve misplaced your Kroo debit card, you can temporarily freeze it through the app to prevent unauthorized transactions. Once found, you can unfreeze it with a single tap. Find Nearby ATMs: Use the app to locate fee-free ATMs near you, ensuring easy access to your cash when you need it. Account Alerts: Set up account alerts to receive notifications about transactions, balance updates, and other important account activities. Customize these alerts in the “Settings” section. Tips for Maximizing Your Kroo Experience Monitor Your Interest Earnings: Regularly check your interest earnings to ensure you’re maximizing the benefits of your Kroo account. Use Spending Insights: Take advantage of the spending insights to better understand your financial habits and make informed decisions. Stay Secure: Always use biometric authentication and keep your app updated for the latest security features.