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Updated September 28, 2026 · VaultCue Editorial Team

Kroo vs N26

Kroo scores 8.9 and N26 9.1 out of 10. Compare their differences and shared features below.
N26

N26

Higher score in this comparison

9.1/10
Visit
Kroo

Kroo

8.9/10
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Where Kroo and N26 differ

Kroo vs N26
CompareKrooKrooReviewSee alternativesSee alternativesN26N26ReviewVisitVisit
Monthly fee£0€0
Deposit protectionFSCS up to GBP 85,000EU DGS up to EUR 100,000
Local account detailsUK sort codeIBAN
Free ATM withdrawals£0€2
Transfer feeFaster Payments GBP 0, CHAPS GBP 20; sending money outside the UK not availableFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free
CurrenciesNot confirmedfrom 35

Same on both: Currency conversion fee (0%).

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

  • N26 scores higher overall: 9.1 vs 8.9.
  • Founded is lower at N26: 2013 vs 2016.
  • N26 is available in 17 more countries.
  • Local account details: only Kroo offers UK sort code.
  • Local account details: only N26 offers IBAN.
  • Audience: only N26 offers Expats, Student, Teen.
  • Features: only N26 offers Joint account.

Our verdict on each

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

N26

N26 suits people who want banking costs to stay flat and who move money across currencies often: the monthly fee is €0 and the currency conversion fee is 0%. It is aimed at expats, travelers, students and teens, and savings sit alongside the everyday account.

Read the full N26 review

Score breakdown

Kroo vs N26
AreaKrooN26
Cost9.4Monthly fee £0, cash machine allowance £0 and conversion 0%, ranked 1 on the cost list.9.4Fees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.
Offer9.19.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.
Trust8.48.5Higher

Licences and countries

Kroo vs N26
CountryKrooN26
GermanyNot confirmed
United KingdomNot confirmed

Additional countries for Kroo: 4. Additional countries for N26: 21.

Positions in our rankings

Kroo vs N26
RankingKrooN26
Savings accounts410 of 142022 of 1420
Online banks125 of 4029 of 402

What we checked

Kroo

  • kroo.com: 12 facts, checked September 26, 2026
  • help.kroo.com: 1 fact, checked September 26, 2026

N26

  • n26.com: 14 facts, checked September 26, 2026

Every fact side by side

Kroo vs N26
FactKrooN26
AudienceTravelersExpats, Travelers, Student, TeenCovers more
Pricing modelNo monthly fee, Low FXNo monthly fee, Low FX
FeaturesFree ATM, Digital onlyFree ATM, Joint account, Digital onlyCovers more
Legal entityKroo Bank LtdN26 Bank SE
HeadquartersUnited KingdomGermany
Founded20162013Lower
Support channelsEmail, Chat, Phone, Help centreEmail, Chat, Phone, Help centre

Savings

Kroo vs N26
FactKrooN26
Headline rate2.65%Higher0.3% to 1.5%
Rate typeVariableVariable
Minimum deposit£0Not confirmed
Access termsInterest calculated daily on the cleared balance and credited monthly; account operated in-app 24/7, no notice period, close at any time100% flexible: deposit and withdraw any amount, whenever you want
Account kindEasy accessEasy access

Money transfer

Kroo vs N26
FactKrooN26
Exchange rate markupNot confirmed0%
Delivery timeNot confirmedInstant to 1 business day
Payout methodsNot confirmedBank, Card
Fee to send 1,000Not confirmed€0

Where each stands against the rest

Kroo vs N26
FactKrooN26Median
Currency conversion fee0%below the median0%below the median0.5%
CurrenciesNot confirmedfrom 35highest quarter5

Median across 536 listed accounts.

Pros and cons

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.

N26

Pros

  • Deposits are protected through EU DGS up to EUR 100,000, with N26 Bank SE supervised by BaFin in Germany.
  • The savings pot is easy access and fully flexible, so deposits and withdrawals happen in any amount, whenever you want.
  • Support is broad for an app-based bank, running on email, chat and phone.

Cons

  • The savings rate is variable and sits at 0.3% to 1.5%, below the 3% median across savings accounts on the site.
  • Local payment details run on iban, so UK sort codes and US ACH numbers are not part of the standard setup.

Who each suits

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.

N26

Who it suits

  • Expats, travelers, students and teens who want spending and savings in the same app, with from 35 currencies to hold.
  • Readers who move money across borders, since transfers arrive in Instant to 1 business day and pay out to a bank account or a card.

Who should look elsewhere

  • Pixpay FR, because its monthly fee of €3.99 suits readers who will put regular use through the account rather than those who want a fee-free everyday account.
  • bunq Spain Bank Account, because a currency conversion fee of 3% suits readers banking mainly in euros and converting rarely.

Current offers

N26

Current offer

  • Bonus

    1% travel cashback: 1% cashback for up to 12 months on qualifying Mastercard transactions outside the EEA, Switzerland and the UK

    N26 Go and Metal customers only; enrolment required via in-app message, email or push notification; up to 12 months

    Source, checked September 26, 2026

Country by country

Kroo vs N26
CountryKrooN26
AustriaNoYes
BelgiumNoYes
DenmarkNoYes
EstoniaNoYes
FinlandNoYes
FranceNoYes
GermanyNoYes
GreeceNoYes

8 of 25 countries where either is available.

Questions about each

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.

N26

What does N26 cost to keep open each month?+

The everyday account is free to run: the monthly fee is €0, and N26 sits at position 1 of 500 brands on that column. Spending, savings and support all sit in the same app, so holding the account costs nothing to maintain.

How much does it cost to convert or send money abroad?+

Foreign currency conversion costs 0%, and the exchange rate margin is 0%. The transfer fee is free: no extra charge is added to Wise-powered international transfers, and MoneyBeam domestic transfers are free. That keeps the cost of moving money abroad close to nothing.

Other options to compare

N26

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Kroo

See alternatives