Nationwide FlexDirect account was, by my own memory, the first I knew of, then Starling back in the day.
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They were rare, and even back in days of higher interest rates, usually done to try and get customers, which is a fair gambit by Kroo, shame the rest of the offer is a dumpster fire
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Which is what Kroo is doing.
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Hopefully in time things will improve and I guess itâs only going to improve if people take a chance. Certainly the new higher interest rate is something to think about.
I am putting small amounts in and trying it but Iâm not sure Iâm ready to put all my savings in, despite the better rate than Zopa.
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Which is why I called it a fair gambit, despite the selective quoting.
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Iâve never seen the need for this given how easy apps are to use these days as a selling feature any more
I get the idea behind it, but it takes a few seconds for people to ping money over if you are paying a bill to someoneâs account these days.
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I think the concept is build something like Splitwise natively into the app.
Yeah I think thatâs where they started - Itâs almost like the bank side was an afterthought/requested by VC so that they could prime for a buy-out (that last point is pure guesswork, I have no idea if that is what is going on)
I say the above because as a social payment app it seems to work relitivly well and its what nearly all the UI is geared towards.
Shame the rest of the app is garbage
Received a message from Kroo earlier this evening in regards to my complaint they upheld and closed. They have investigated the issue with the Direct Debit from Vodafone failing and have admited liability for it citing a technical issue. They credited my account with ÂŁ50 for the trouble it caused.
Just thought Iâd keep you all updated with whatâs been happening 
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Why though? Itâs protected by the FSCS as any other bank
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I suspect (and I agree) that they couldnât organise a piss up in a brewery, let alone be trusted with your money. All the financial protections if they go bust, mean nowt if you canât do the basic banking with them
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Received some credit interest on the 1st. Good
Description says âFeb interestâ when it is patently âMar interestâ. Bad.
Any building confidence in Kroo shot to pieces again. Funds removed quick style.
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How can you mess up that badly
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âhey join this bank we both get moneyâ
âOh are they good?â
â
â
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Not making any recommendations personally 
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My recommendation would be along the lines of âWhy yes, I can give you five reasons why Monzo is a great bank to be withâ
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