Updated September 28, 2026 · VaultCue Editorial Team
Kroo vs ZEN.COM
Kroo
ZEN.COM
Higher score in this comparison
What sets them apart
| Compare | KrooReviewSee alternativesSee alternatives | ZEN.COMReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | £0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Local account details | UK sort code | IBAN |
| Free ATM withdrawals | £0 | €0 |
| Transfer fee | Faster Payments GBP 0, CHAPS GBP 20; sending money outside the UK not available | Currently free (standard fee 0.25 EUR) |
| Currencies | Not confirmed | 35 |
Same on both: Currency conversion fee (0%).
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Key differences
- ZEN.COM scores higher overall: 9.3 vs 8.9.
- ZEN.COM is licensed in 2 more countries.
- ZEN.COM is available in 28 more countries.
- Local account details: only Kroo offers UK sort code.
- Local account details: only ZEN.COM offers IBAN.
- Support channels: only Kroo offers Phone.
- Audience: only ZEN.COM offers Expats.
- Features: only Kroo offers Digital only.
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.
ZEN.COM
ZEN.COM suits expats and travellers who want a euro account that spends across borders without a monthly charge. Currency conversion runs at 0% and the monthly fee is €0, so the saving sits in how often you change money rather than in account upkeep. EU deposits sit under EU DGS up to EUR 100,000.
Score breakdown
| Area | Kroo | ZEN.COM |
|---|---|---|
| Cost | 9.4Monthly fee £0, cash machine allowance £0 and conversion 0%, ranked 1 on the cost list. | 9.4Monthly fee of €0, currency conversion fee of 0% and transfer fees of Currently free (standard fee 0.25 EUR). |
| Offer | 9.1 | 9.2HigherHolds 35 currencies, hands out local IBANs and pays a free ATM allowance of €0. |
| Trust | 8.4 | Not confirmed |
Licences and countries
| Country | Kroo | ZEN.COM |
|---|---|---|
| United Kingdom | Financial Conduct Authority 953772 | Financial Conduct Authority 1000019 |
| Lithuania | Not confirmed | Bank of Lithuania LB000457 |
| Singapore | Not confirmed |
Available in 1 country for both. Additional countries for Kroo: 3. Additional countries for ZEN.COM: 31.
Spending 1,000 abroad
Kroo
0
0% of 1,000
ZEN.COM
0
0% 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.
What we checked
Kroo
- kroo.com: 12 facts, checked September 26, 2026
- help.kroo.com: 1 fact, checked September 26, 2026
ZEN.COM
- ask.zen.com: 7 facts, checked September 26, 2026
- zen.com: 6 facts, checked September 26, 2026
Every fact side by side
| Fact | Kroo | ZEN.COM |
|---|---|---|
| Audience | Travelers | Expats, TravelersCovers more |
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Features | Free ATM, Digital onlyCovers more | Free ATM |
| Legal entity | Kroo Bank Ltd | UAB ZEN.COM |
| Headquarters | United Kingdom | Lithuania |
| Founded | 2016 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Help centre |
Savings
| Fact | Kroo | ZEN.COM |
|---|---|---|
| Headline rate | 2.65% | Not confirmed |
| Rate type | Variable | Not confirmed |
| 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 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | Kroo | ZEN.COM | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 0.5% |
| Currencies | Not confirmed | 35highest quarter | 5 |
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.
ZEN.COM
Pros
- Monthly fee of €0 keeps the account free to hold
- Currency conversion fee of 0% beats the 0.5% site median
- Local account details in the form of iban let you get paid like a local
Cons
- Support runs on email, chat and help centre only, with no phone line
- Standard transfer fee is higher than the current free transfer, at Currently free (standard fee 0.25 EUR)
- Currencies count of 35 trails brands near the top of our multi-currency list
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.
ZEN.COM
Who it suits
- Expats and travellers named as the audience for the account
- Anyone paid in euros who wants local account details
- People who change currency often and mind conversion cost more than the account type
Who should look elsewhere
- Skrill, if you compare conversion cost and its fee sits well above the site median of 0.5%
- eToro, if you want a broader account rather than a euro card first
- PayPal Colombia, if you need local details outside the euro area rather than iban
Current offers
ZEN.COM
Current offer
Free trial
Try ZEN.COM free for 30 days: 30 days free
Source, checked September 26, 2026
Country by country
| Country | Kroo | ZEN.COM |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 35 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.
ZEN.COM
What does ZEN.COM cost to keep open?+
The monthly fee is €0, so holding the account costs nothing. That sits at the site median of €0 and matches the pattern across our listings, where most free accounts cluster at the lower quartile of €0.
How much does it cost to change currency?+
The currency conversion fee is 0%, which ranks ZEN.COM at 1 of 312 brands. For comparison, the site median is 0.5% and the upper quartile reaches 2.08%, so most rivals charge more.
Other options to compare
Other matchups
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Kroo
ZEN.COM