Kroo vs Tomorrow
Side-by-side comparison — pricing, features, ratings, use cases. Find which Neobanks fits you best.
🔍 Independently researched ·
📊 Data-driven
· ⭐ Ratings from G2 (real user reviews)
27/100
Free tier
Socially-minded UK users who want a free, FSCS-protected current account with built-in tools for splitting group expense
💰 Pricing
🆓 Free tier available
All features are included in the single free tier; no paid premium tiers exist.
Fee notes:
- Monthly account fee: £0
- Card payments abroad: no Kroo fee; exchange rate set by Mastercard
- ATM withdrawals: free at all ATMs in the UK and abroad, though the ATM operator may charge a fee
- International transfers: not currently offered; only UK Faster Payments available
- Card replacement: typically free, but expedited delivery may incur a fee
⚠ Watch for:
- Third-party ATM surcharges can apply when using non-branch ATMs, especially abroad
- Mastercard's exchange rate includes a small spread above the interbank rate, even though Kroo does not add a markup
- Expedited card delivery may cost a fee
- No foreign currency account, so payments in non-GBP are converted at Mastercard's rate
🔧 Features
✓ Free Tier✓ Social Banking✓ Joint Accounts✓ Group Expenses✓ Fscs Protected
📋 Assessment
💪 Strengths
- Kroo offers a completely free UK current account with no monthly fees, no transaction charges, and zero foreign transaction fees. This is rare among UK banks, and cutting the usual 'average market rate' markup on foreign card payments means you save money every time you use your card abroad. For frequent travelers or online shoppers who buy in foreign currencies, this benefit is substantial.
- FSCS protection up to £85,000 per person and a full UK banking license provide peace of mind that your money is safe, unlike some fintech startups that fail to offer such safety nets. Knowing your deposits are government-backed adds credibility and makes Kroo a safer choice for larger balances.
- The interest on your entire current account balance is a standout feature. Unlike traditional current accounts that pay almost nothing, Kroo pays a competitive variable rate that is calculated daily and credited monthly. This means your everyday spending money works for you, earning interest passively without needing to move funds into a separate savings account.
- The joint account and shared tabs feature is tailor-made for group spending. You can create a shared tab for rent, utilities, or a holiday kitty; add members; and seamlessly split expenses. Each transaction is tracked, and the app shows who has paid and who owes what, eliminating awkward money conversations and simplifying group finances.
- The app's user experience is polished and intuitive, with a clean design and instant notifications. Budgeting insights and spending categories help you track where your money goes, and the ability to freeze your card instantly via the app adds a layer of security. The onboarding process is purely digital, and you can apply for a joint account directly within the app.
⚠ Watch out for
- The lack of cash and cheque deposit facilities is a significant drawback. If you receive cash or cheques regularly, you cannot pay them into your Kroo account. You'll need another bank to deposit physical money, then transfer funds. This is a common neobank limitation, but it still makes Kroo inconvenient for those who rely on cash transactions.
- There is no overdraft facility or any credit products, such as loans or credit cards. For users who occasionally need a short-term buffer or want to build credit history, Kroo is not sufficient. It must be complemented with a traditional bank or credit union that offers credit facilities, making it less suitable as your sole financial provider.
- Kroo is UK-only, so you cannot hold balances in other currencies or access international banking features beyond the fee-free card payments. If you need a multi-currency account or want to manage funds in different denominations, you'll have to look at competitors like Revolut or Wise.
- The customer support options are limited to in-app chat and email, with no phone support. While the in-app chat is responsive during business hours, some users may find the lack of immediate human contact frustrating, especially for urgent issues like a lost card or suspected fraud.
- Kroo does not offer all the fintech extras that competitors have, such as savings pots, crypto trading, or insurance products. The feature set is intentionally focused, but if you are looking for an all-in-one financial hub, you might find it lacking.
🎯 Best for
Socially-minded UK users who want a free, FSCS-protected current account with built-in tools for splitting group expenses and earning interest on their balance.
🚫 Who should skip
Anyone who needs business banking, frequent cash deposits, an overdraft, or in-person branch support should look elsewhere.
📚 Learning curve
Minimal — the app is intuitive and built around a mobile-first, social banking experience.
🧑⚖️ Verdict
Kroo is a solid choice for UK users who value no fees, international spending, and social banking features like joint accounts and shared tabs for group expenses. It's perfect as a secondary bank or for sharing finances with others. However, if you need cash deposits, overdrafts, or multi-currency a
79/100
Free tier
Eco-conscious individuals in Germany who want a mobile-first bank account that automatically supports climate projects a
★ Best
💰 Pricing
🆓 Free tier available
Basic account with features like CO2 tracking and climate investments, but no physical card, limited ATM withdrawals, and no interest
Starting at 17 zł (subscription)
Fee notes:
- Card replacement fee: €10 for standard card, €20 for metal card
- Foreign currency conversion: 1.5% fee
- International transfer (SEPA): free, non-SEPA: €10 flat fee
- ATM withdrawal outside Eurozone: €2 per withdrawal for Future plan (max 3 free per month)
- Account closure fee: none
⚠ Watch for:
- Foreign transaction fee of 1.5% may apply even when paying in a foreign currency
- International ATM withdrawals beyond the included limits incur fees
- Interest rates are variable and may change over time
- Metal card has a higher monthly fee but the interest benefit may not outweigh it for smaller balances
🔧 Features
✓ Free Tier✓ Mobile App✓ Sustainable✓ Co2 Tracking✓ Impact Investing
📋 Assessment
💪 Strengths
- Every account balance automatically funds climate projects, regardless of your spending. This means that simply by keeping your money in the account, you're contributing to reforestation and renewable energy projects. It's a set-and-forget approach that aligns your idle cash with your environmental values.
- Automatic CO₂ tracking on transactions provides a clear, behavioral nudge toward lower-carbon choices. Each purchase is categorized and assigned an estimated carbon footprint, showing you where your biggest emissions come from. The monthly carbon summary helps you set personal reduction goals.
- Impact-linked interest rates reward sustainable usage, aligning financial incentives with environmental impact. By spending at partner businesses or making sustainable purchases, you can unlock higher interest rates on your balance—turning your spending habits into tangible financial benefits.
- A solid feature set for everyday banking: free Mastercard debit card, instant push notifications, spending analytics, and free ATM withdrawals in Germany and the Eurozone. The card is available in a CO₂-neutral variant made from recycled plastic.
- Transparent fee structure with a free Basic plan, making it accessible for those who just want a sustainable bank account without monthly fees. The paid tiers are reasonably priced compared to other premium neobanks.
⚠ Watch out for
- No free tier that also funds climate projects without a monthly fee. The Basic account has no monthly fee, but the climate project funding only kicks in with the paid Zero plan. So if you want to actively support projects, you must pay at least €3/month, which may put off budget-conscious users.
- Only available in Germany and a few other EU countries, limiting adoption for international users. The app is in German only, which can be a barrier for expats or non-native speakers.
- Lacks a physical branch network, which may be a drawback for users who need in-person services like mortgage consultations or complex account issues.
- CO₂ tracking is an estimate based on merchant category, not actual emissions. For example, a small purchase at a large retailer may be over- or under-estimated, which could mislead users who rely on the data for serious carbon accounting.
- The customer support is primarily via email and in-app chat, with no phone support during weekends. Response times can be slower during peak periods, and some users have reported issues with the chat feature in the app.
🎯 Best for
Eco-conscious individuals in Germany who want a mobile-first bank account that automatically supports climate projects and provides detailed carbon footprint tracking.
🚫 Who should skip
Anyone who needs a free bank account, lives outside the EU/Germany, or wants comprehensive business banking features.
📚 Learning curve
Minimal — the mobile app is straightforward, and the main novelty is that CO₂ tracking is automatic, so most users can start managing their finances immediately.
🧑⚖️ Verdict
Tomorrow is an excellent choice for eco-conscious individuals in Germany who want their everyday banking to actively contribute to climate action. It offers a unique mix of automatic carbon tracking, impact-linked interest rates, and transparent pricing. However, if you need in-person branch access
📊 Use Case Suitability
Higher score = better fit. Scores from editorial review.
Use CaseKrooTomorrow
Group Expense Splitting95—
Shared tabs let groups split bills and track who owes who in real time, making i
Joint Account Banking90—
Kroo's joint accounts give couples or housemates a transparent shared balance an
Everyday Spending with Interest85—
You earn a competitive variable interest rate on your entire current account bal
Mobile-First Daily Banking80—
The app is clean, fast, and designed for digital-only users, with instant notifi
Business Banking10—
Kroo doesn't offer business accounts, invoicing tools, or tax features, so it's
Eco-conscious daily banking—95
Every account automatically funds climate projects and tracks transactions' carb
Carbon footprint tracking for personal spending—90
The built-in CO₂ tracking per transaction gives clear, itemized insight into the
Sustainable investing for beginners—85
Impact investing is integrated into the app, allowing users to start with climat
🧭 Which One Should You Pick?
Choose Kroo if...
- You are: Socially-minded UK users who want a free, FSCS-protected current account with built-in tools for splitting group expense
- 👍 Free UK current account with no monthly fees and no foreign transaction fees, even when used abroad.
- 👍 FSCS protection up to £85,000 per person, backed by a full UK banking license.
- 👍 Competitive variable interest on your entire account balance, paid monthly on a daily-calculated bas
- 💰 Free tier available
- ⚠ Trade-off: No cash or cheque deposits—you can't pay in physical money, which is limiting fo
Choose Tomorrow if...
- You are: Eco-conscious individuals in Germany who want a mobile-first bank account that automatically supports climate projects a
- 👍 Directly funds climate projects from every account balance, regardless of spending.
- 👍 Automatic CO₂ tracking on transactions provides a clear, behavioral nudge toward lower-carbon choice
- 👍 Impact-linked interest rates reward sustainable usage, aligning financial incentives with environmen
- 💰 From $4.35/mo
- ⚠ Trade-off: No free tier — users must pay a monthly fee, though exact pricing is not clearly
❓ Frequently Asked Questions
Is Kroo really free to use?
Yes, Kroo's standard UK current account has no monthly fees, no card fees, and no foreign transaction fees. You only need to cover any third-party charges, like an ATM operator's fee.
How does interest on my current account balance work?
Kroo pays a variable interest rate on your entire balance (up to the FSCS protected amount), typically credited monthly. This makes it a rare current account that also works like a savings account.
Are my deposits protected if Kroo fails?
Yes, Kroo is a fully licensed UK bank and is covered by the Financial Services Compensation Scheme. Your deposits are protected up to £85,000 per person.
Can I open a joint account with Kroo?
Yes, you can open a joint account with another person directly in the app. Both of you get a shared view of money and spending, and you can still use shared tabs for group expenses.
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