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Review of the Kroo, Current account:

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Better pots than Monzo or Starling

I evaluated Monzo, Starling and Kroo, and in the end chose to go with Kroo for three reasons: 1) I wanted an account that had pots, but also wanted to earn interest on my entire balance, not just the amounts held in pots. Both Monzo and Starling only pay interest on amounts held in certain pots, and never on the main balance. Kroo pay interest on the entire amount held across all pots and the main balance. 2) All interest is paid into the main balance (not into each pot separately) which I massively prefer, as it makes calculating pot sizes over time much easier. 3) Kroo's interest rate tracks the BOE rate, whereas Monzo and Starling do not. Reviewed on: 3rd March 2026

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