Updated September 28, 2026 · VaultCue Editorial Team
Kroo vs Tomorrow
Kroo
Higher score in this comparison
Tomorrow
Where Kroo and Tomorrow differ
| Compare | KrooReviewSee alternativesSee alternatives | TomorrowReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | £0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Currency conversion fee | 0% | 0% to 2% |
| Local account details | UK sort code | IBAN |
| Free ATM withdrawals | £0 | €1 |
| Transfer fee | Faster Payments GBP 0, CHAPS GBP 20; sending money outside the UK not available | SEPA free; 2% foreign currency fee on non-euro payments with Now |
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Key differences
- Kroo scores higher overall: 8.9 vs 8.7.
- Founded is lower at Kroo: 2016 vs 2018.
- Kroo is available in 2 more countries.
- Local account details: only Kroo offers UK sort code.
- Local account details: only Tomorrow offers IBAN.
- Support channels: only Kroo offers Phone.
- Audience: only Kroo offers Travelers.
- Audience: only Tomorrow offers Teen.
- Pricing model: only Kroo offers Low FX.
- Features: only Tomorrow 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.
Tomorrow
Tomorrow suits savers who keep a Now, Change or Plus current account and want a savings pot paying a 3.1% rate, with cash available on demand. Deposits sit inside the EU deposit guarantee scheme, and the trade-off is a rate that can move with the provider.
Score breakdown
| Area | Kroo | Tomorrow |
|---|---|---|
| Cost | 9.4HigherMonthly fee £0, cash machine allowance £0 and conversion 0%, ranked 1 on the cost list. | 9.1The savings account is no monthly fee with a monthly fee of €0, and currency conversion is 0% to 2%. |
| Offer | 9.1 | 9.1Savings are easy access, interest is credited monthly and there is no notice period, so the pot stays flexible on a variable rate. |
| Trust | 8.4Higher | 8.2 |
Spending 1,000 abroad
Kroo
0
0% of 1,000
Tomorrow
0 to 20
0% to 2% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Availability and regulation
| Country | Kroo | Tomorrow |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Financial Conduct Authority 953772 | Not confirmed |
Additional countries for Kroo: 4. Additional countries for Tomorrow: 2.
Sources behind this comparison
Kroo
- kroo.com: 12 facts, checked September 26, 2026
- help.kroo.com: 1 fact, checked September 26, 2026
Tomorrow
- tomorrow.one: 12 facts, checked September 26, 2026
- support.tomorrow.one: 1 fact, checked September 26, 2026
How they place
| Ranking | Kroo | Tomorrow |
|---|---|---|
| Savings accounts | 410 of 1420 | 534 of 1420 |
| Online banks | 125 of 402 | 175 of 402 |
Every fact side by side
| Fact | Kroo | Tomorrow |
|---|---|---|
| Audience | Travelers | Teen |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Free ATM, Digital only | Free ATM, Joint account, Digital onlyCovers more |
| Legal entity | Kroo Bank Ltd | Tomorrow GmbH |
| Headquarters | United Kingdom | Germany |
| Founded | 2016Lower | 2018 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Chat, Email, Help centre |
Savings
| Fact | Kroo | Tomorrow |
|---|---|---|
| Headline rate | 2.65% | 3.1%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | £0 | Not confirmed |
| Access terms | Interest calculated daily on the cleared balance and credited monthly; account operated in-app 24/7, no notice period, close at any time | Instant access savings account: deposit or withdraw at any time, no minimum term or notice period, interest credited monthly, rate applies on balances up to EUR 50,000, requires an open Now, Change or Plus current account |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | Kroo | Tomorrow | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0% to 2%below the median | 0.5% |
Median across 377 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.
Tomorrow
Pros
- The balance is protected at EU DGS up to EUR 100,000
- Support runs on chat, email and help centre, which suits readers who prefer writing things down
- Features listed for the brand include free atm, joint account and digital only, and the free ATM allowance is €1
Cons
- The rate type is variable, so the interest you earn can move rather than being held for a set period
- Support runs on chat, email and help centre only, with no phone line for anyone who would rather talk
- The savings pot only works alongside an open Now, Change or Plus current account
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.
Tomorrow
Who it suits
- Savers who already hold a Now, Change or Plus current account and want savings in the same app
- Anyone who needs to dip into savings without notice, with interest credited monthly
- Euro-area readers who want local payment details, since the account issues a local IBAN
Who should look elsewhere
- Plazo ES, listed at 24.19%, if the headline figure matters more than getting at the money
- AXI Card Tarjeta y Credito at 21.59%, a card and credit offer rather than a savings balance
- PayPal Colombia at 3.3%, whose rate is close to Tomorrow's, so the switch needs another reason
Current offers
Tomorrow
Current offer
Bonus
Starter interest rate on the savings account: 3.1% p.a. for the first 90 days on balances up to EUR 50,000
New customers who open a Tomorrow account and savings account between September 1 and September 30, 2026; after the first 90 days the regular rate of the chosen account model applies (0.75% Now, 1% Change, 1.5% Plus); German tax ID required; Now customers who opened before 19 February 2025 must upgrade.
Source, checked September 26, 2026
First period offer
Now current account free of charge: EUR 0 per month
Free for anyone under 21 or who deposits EUR 500 into the Tomorrow account every month; otherwise Now costs from EUR 0 per month (Change EUR 8.90, Plus EUR 17.90).
Source, checked September 26, 2026
Country by country
| Country | Kroo | Tomorrow |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Guernsey | Yes | No |
| Isle of Man | Yes | No |
| Jersey | Yes | No |
| United Kingdom | Yes | No |
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.
Tomorrow
What rate does the Tomorrow savings account pay?+
The account pays a headline rate of 3.1% and the rate type is variable, so the figure can move rather than being fixed for a set term. Interest is credited monthly and the rate applies within a stated balance cap. In this comparison the brand places 233 on headline rate among 473 brands.
Is there a monthly fee for the savings account?+
There is no monthly charge on the savings account, with the fee listed as €0 a month and the account run on a no monthly fee model. The cost to watch is currency conversion, listed as 0% to 2%, so euro payments are the cheapest route.
Other options to compare
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Related by the facts
Kroo
Tomorrow