I believe that Chip is more suitable than Kroo
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Kroo is going to.3.60 % in June
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In theory nobody should be worried, they are a bank and they are covered by the FSCS protection scheme.
I think itās the technical challenges that people have experienced on here that have put people off.
I wondered if people had not heard or experienced those then they might feel differently?
I think itās a bit of both. The App, I think, is super clunky and feels like it has been thrown together without real thought as to what each section should do.
And then thereās the service. It took 2 days each time I reached out to support to get anything. I appreciate they are early doors but theyāre too basic and unconnected for me.
I expect theyāll be acquired for the licence soon.
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Super naive question, but why wouldnāt Revolut do exactly that, i.e. acquire Kroo for the licence? Guessing itās not that simple.
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I would imagine thereād be some sort of regulatory oversight and approval with any takeover, and theyād probably just say nice try but no. Otherwise Iād have expected them to have done so already.
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Iāve had no issues with Kroo..
Was using them as a āsavings accountā for a period of time until I switched over to Chip.
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So I am still using Kroo and things seemed to have really improved. However, today really is it.
My salary has been flagged for review AGAIN!
Iāve now received an in-app chat advising me to confirm the full name of the organisation which is easy enough but also the date of birth of the sender.
Absolutely unbelieable. Currently in a queue to get through to their supportā¦ 22 mins and counting
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Bin them. Bin them now.
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Lesson learnt this time though!
I get paid via BACS.
The ridiculous thing is the transaction clearly had my employer name on it so the follow up message was literally to type the exact same name on the transaction which I am not sure what that would even have proved in all honesty!
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I was about to ask who Tred were, then I realised that that was the point.
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Kroo raising interest rate again from 1st july to 3.85 %
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Need Monzo to please keep up 
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Just thought Iād keep you all posted on the latest update to my Kroo saga!
I had referred the complaint they might or might not have upheld to the obudsman and weāre now in the final stagesā¦ They are just awaiting some information being sent over from Kroo.
Why do I have the feeling that might take a while!!
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Interest rate raised to 4.10% AER from 1st July
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Okay, how do we stage an online intervention?
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No intervention neededā¦ I just have the app still installed and got a notification haha!!
I left them last month after my salary shambles 
(I am still waiting on a reply from them regarding this mind youā¦ the message was send on the 27th April so Iāve gave up expecting a reply now)
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From memory withdrawals take an hour or so to land in your account (I think).
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About 15 minutes both ways, for me.
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