Neobank comparison

Kroo vs N26

Compare Kroo and N26 side by side: fees, regulation, platforms.

Kroo

Best for interest on your balance

Kroo pays a headline rate of interest just for keeping money in your current account, which makes it a compel…

N26

Best for the eurozone

N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for p…

Head-to-head comparison

Kroo vs N26
Feature	Kroo	N26
Monthly fee	Free	Free
FX markup	0%	0%
Savings APY	4.10%	2.74%
Currencies	1	1
Card network	Mastercard	Mastercard
Deposit protection	FSCS up to 85,000 GBP	German deposit guarantee (EdB) up to 100,000 EUR
Regulators	-	-
Best for	Best for interest on your balance	Best for the eurozone
Markets & account

Pros & cons

Kroo

Pros

FSCS-protected UK bank paying interest on the current-account balance
No fees on spending or ATM withdrawals abroad
Shared group accounts for splitting bills

Cons

GBP-only with no multi-currency holding
Smaller feature set than the established UK challengers

N26

Pros

Full German banking licence with 100,000 EUR deposit protection
No card FX fee at the Mastercard rate
Instant savings paying interest from the first euro

Cons

Euro-only balance, so no true multi-currency holding
Only a few free ATM withdrawals per month on the free plan

Kroo

Kroo pays a headline rate of interest just for keeping money in your current account, which makes it a compelling FSCS-protected home for an everyday GBP balance.

Visit Kroo Read review

Confirm current fees and rates on the provider's site. T&Cs apply.

N26

N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for people who live and earn in euros.

Visit N26 Read review

Confirm current fees and rates on the provider's site. T&Cs apply.

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