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Updated September 28, 2026 · VaultCue Editorial Team

bunq vs Kroo

bunq scores 8.9 and Kroo 8.9 out of 10. Compare their differences and shared features below.
bunq

bunq

Higher score in this comparison

8.9/10
Visit
Kroo

Kroo

8.9/10
See alternatives

Where bunq and Kroo differ

bunq vs Kroo
ComparebunqbunqReviewVisitVisitKrooKrooReviewSee alternativesSee alternatives
Headline rate3.01%Higher2.65%
Deposit protectionEU DGS up to EUR 100,000FSCS up to GBP 85,000
Access termsWithdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weeklyInterest calculated daily on the cleared balance and credited monthly; account operated in-app 24/7, no notice period, close at any time
Monthly fee€0£0
Minimum depositNot confirmed£0

Same on both: Rate type (Variable), Account kind (Easy access).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Founded is lower at bunq: 2012 vs 2016.
  • bunq is licensed in 6 more countries.
  • bunq is available in 3 more countries.
  • Headline rate is higher at bunq: 3.01% vs 2.65%.
  • Support channels: only Kroo offers Phone.
  • Pricing model: only Kroo offers Low FX.

Our verdict on each

bunq

bunq suits savers who want an easy-access euro account that costs nothing to keep and pays a variable rate with weekly interest, protected by an EU guarantee. The rate of 3.01% is solid rather than remarkable, and support runs on email, chat and help centre only.

Read the full bunq review

Kroo

Kroo is a UK digital current account for people who spend and send money abroad, with a monthly fee of £0 and currency conversion at 0%. Interest lands on the cleared balance at a variable 2.65%, credited monthly, so the account pays you while the money waits.

Read the full Kroo review

Score breakdown

bunq vs Kroo
AreabunqKroo
Cost9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan.9.4HigherMonthly fee £0, cash machine allowance £0 and conversion 0%, ranked 1 on the cost list.
Offer9.1Rate of 3.01% that is variable, close to the savings median of 3%.9.1
Trust8.7Higher8.4

Where they rank in our lists

bunq vs Kroo
RankingbunqKroo
Savings accounts6 of 1420410 of 1420
Online banks3 of 402125 of 402

Choosing between them

Pick bunq if trust and headline rate matter most.

Pick Kroo if cost matter most.

A third option

eToro has headline rate at 3.8%, against 3.01% for bunq and 2.65% for Kroo.

eToro review

Every fact side by side

bunq vs Kroo
FactbunqKroo
Pricing modelNo monthly feeNo monthly fee, Low FXCovers more
Legal entitybunq B.V.Kroo Bank Ltd
HeadquartersNetherlandsUnited Kingdom
Founded2012Lower2016
Support channelsEmail, Chat, Help centreEmail, Chat, Phone, Help centreCovers more

Everyday accounts

bunq vs Kroo
FactbunqKroo
Currency conversion fee3%0%Lower
AudienceExpats, Travelers, Business, StudentCovers moreTravelers
FeaturesJoint account, Digital onlyFree ATM, Digital only
Local account detailsIBANUK sort code
Free ATM withdrawalsNot confirmed£0
Transfer feeNot confirmedFaster Payments GBP 0, CHAPS GBP 20; sending money outside the UK not available

Where each stands against the rest

bunq vs Kroo
FactbunqKrooMedian
Headline rate3.01%below the median2.65%below the median3.25%
Minimum depositNot confirmed£0below the median£1

Median across 658 listed accounts.

Pros and cons

bunq

Pros

  • The monthly fee is €0 and the pricing model is no monthly fee, so keeping the account open costs nothing each month.
  • Interest is paid weekly and the rate type is variable, so money keeps earning between withdrawals without a term to serve out.
  • Balances are covered by EU DGS up to EUR 100,000, so there is a payout route if the provider fails.

Cons

  • The rate type is variable, so the return follows the base rate and the account ranks 240 of 473 brands on the headline rate.
  • Support runs on email, chat and help centre only, which leaves phone callers with a narrower route in.
  • Features list joint account and digital only, so the service is digital only and there is no branch counter.

Kroo

Pros

  • A monthly fee of £0 and a cash machine allowance of £0 on the current account.
  • Currency conversion of 0%, with the account aimed at travelers.
  • FSCS up to GBP 85,000, with the Financial Conduct Authority as regulator under licence 953772.

Cons

  • Digital only banking, with support running on email, chat and phone.
  • Transfers are split by scheme, with Faster Payments free and CHAPS carrying a charge on the current account.
  • The variable 2.65% is easy access money rather than a savings return, sitting under the 3% site median.

Who each suits

bunq

Who it suits

  • People who want an easy-access euro account that pays interest weekly and costs nothing to hold.
  • Travellers and expats, part of the expats, travelers and business bunq targets, who convert currency and want a local IBAN.
  • Students and savers who value EU DGS up to EUR 100,000 over a higher rate.

Who should look elsewhere

  • Anyone chasing a top fixed rate, since 24.19% at plazo pays far more.
  • Customers who need a phone helpline, as support runs on email, chat and help centre only.
  • Anyone wanting a branch counter, because features list joint account and digital only and the service is digital only.

Kroo

Who it suits

  • People who travel often and spend in other currencies, since the account is aimed at travelers and conversion runs at 0%.
  • UK residents happy to run everything in the app, with support on email, chat and phone and a minimum deposit of £0.
  • Anyone keeping a sterling balance as a rainy day fund, with FSCS up to GBP 85,000 and interest credited monthly.

Who should look elsewhere

  • Anyone who needs to send money outside the UK from their account, since those transfers are not available; a euro option such as Bit2Me, monthly fee €0, is worth weighing.
  • People who want a card led everyday account instead of an app based one, weighing Kroo against the Varo Visa Debit Card, monthly fee $0.

Country by country

bunq vs Kroo
CountrybunqKroo
BelgiumYesNo
FranceYesNo
GermanyYesNo
GuernseyNoYes
IrelandYesNo
Isle of ManNoYes
ItalyYesNo
JerseyNoYes

8 of 11 countries where either is available.

Questions about each

bunq

What does bunq charge to keep a savings account?+

The monthly fee is €0 and the account is priced on a no monthly fee basis, so there is no recurring charge to keep it open. The one cost to watch when you spend abroad is currency conversion at 3% on the free plan. Interest is still paid weekly with no fee deducted.

How much interest does the account pay?+

The rate is 3.01% and the rate type is variable, so the figure follows the base rate instead of being fixed to a term. Across the savings accounts on the site, the median headline rate is 3%, which puts bunq near the middle. Interest is credited weekly rather than monthly.

Kroo

What does Kroo charge to hold the account?+

Kroo's current account charges a monthly fee of £0, with a cash machine allowance of £0 and currency conversion of 0%. Those are the fees published for the account, and the balance earns a variable 2.65% credited monthly.

Is money in a Kroo account protected?+

Deposits are covered by FSCS up to GBP 85,000, and the account is held at Kroo Bank Ltd, based in the United Kingdom, with the Financial Conduct Authority as regulator under licence 953772. Help runs on email, chat and phone.

Other options to compare

bunq

Visit

Kroo

See alternatives