{"id":541668,"date":"2024-09-18T16:52:53","date_gmt":"2024-09-18T15:52:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=541668"},"modified":"2026-04-01T15:53:37","modified_gmt":"2026-04-01T14:53:37","slug":"chase-vs-kroo","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/chase-vs-kroo","title":{"rendered":"Chase vs Kroo: Which is the best?"},"content":{"rendered":"

Chase<\/a> is a relatively new bank in the UK, having launched in 2021. The digital banking brand is owned by global finance giant JPMorgan. By contrast, Kroo<\/a> has been around since 2016.<\/p>

Both banks offer a free personal current account that you can manage via a mobile banking app. Chase\u2019s account gained huge popularity through its 1% cashback offer, while Kroo has stood out for paying decent interest on current account balances. We pitted them against each other. <\/p>

At a glance<\/h3>
\n \n
<\/th>\"Chase<\/a><\/td>\"Kroo<\/a><\/td><\/tr>
Finder score<\/th>8.2<\/span><\/span>Great<\/span><\/span><\/td>7.1<\/span><\/span>Great<\/span><\/span><\/td><\/tr>
Customer satisfaction survey<\/th>4.3 <\/span>
\u2605\u2605\u2605\u2605\u2605<\/div><\/td>
4.1 <\/span>
\u2605\u2605\u2605\u2605\u2605<\/div><\/td><\/tr>
Free spending abroad<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Arranged overdraft<\/th>No overdrafts<\/td>N\/A<\/td><\/tr>
Representative example<\/th>N\/A<\/td>N\/A<\/td><\/tr>
Interest when you're in credit<\/th>0%<\/td>3.65%<\/td><\/tr>
Branch access<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
FSCS protected<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Sign-up bonus<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Amount<\/th>N\/A<\/td>N\/A<\/td><\/tr>
Product image<\/th>
\"Chase\"<\/td>		\"Kroo\"<\/td><\/tr>
Find out more<\/th>
See account<\/a>
Read review<\/a><\/div><\/td>
Read review<\/a><\/div><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

Chase\u2019s current account comes with a blue numberless debit card, with your details stored in the app so only you can see them. Kroo, on the other hand, has a black, contactless card.<\/p>

Neither bank has branches (Chase only has branches in the US), so you must manage all of your transactions via the app. <\/p>

Unlike Chase, Kroo offers an overdraft and pays interest of 3.65% on credit balances. However, Chase customers can earn 1% cashback on their spending (up to \u00a315 a month) for the first year, and have access to a saver account paying 4.5% AER.<\/p>

Chase was the overall winner in the Finder Current Account Customer Satisfaction Awards 2025<\/a>, with 100% of customers saying they\u2019d recommend it to a friend, compared to 83% for Kroo. <\/p>

Both accounts are protected under the Financial Services Compensation Scheme<\/a>, which means deposits of up to \u00a3120,000 per person are covered in the event your bank goes bust. You can also enjoy fee-free spending abroad with either account.<\/p>

Round 1: App features<\/h3>
\n \n
<\/th>\"Chase<\/a><\/td>\"Kroo<\/a><\/td><\/tr>
Visual breakdown of spending<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Spending categories<\/th>Customisable<\/td>12<\/td><\/tr>
Set spending budgets<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Set up direct debits in the app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Top up via bank transfer<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Have salary paid in<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Separate savings accounts<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Round-ups<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Customer service via the app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Customer service via a telephone line<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Cheque scanning<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Freeze\/unfreeze card in app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Send money abroad<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Fee for sending money abroad<\/th>International payments unavailable<\/td>N\/A<\/td><\/tr>
Find out more<\/th>
See account<\/a>
Read review<\/a><\/div><\/td>
Read review<\/a><\/div><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

The Kroo and Chase mobile banking apps come with a range of similar features, although there are some important differences. You can easily view transactions with both apps, but Kroo also splits transactions into different spending categories, such as eating out and groceries.<\/p>

Neither app lets you send money abroad, but you can freeze and unfreeze your card and speak to the customer services teams through the in-app chat feature. Chase also offers a round-ups feature, where your spending is rounded up to the nearest \u00a31 and the spare change is transferred into your round-up account paying 5% AER.<\/p>