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More Refer a FriendMore from Kroo
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You can earn

£20 each

Cash

Refer a friend to Kroo — you both get £20 when they open and fund their account.

Complete in
5 mins
Payout
Cash
Difficulty
Easy Peasy
Availability
Live

The short answer

What you do
Grab your referral link
When you get paid
Cash
Main catch
Deposit or spend needed

Eligibility, full steps and terms are further down this page.

What you actually get: cash

Paid straight to you as money.

How to redeem
Lands in the bank account you sign up with - nothing to redeem.
Validity
No expiry once paid.
Can you cash it out?
Yes — it is real money
How we review offersReward, effort and catches are summarised from the provider's own termsHow we test

Get paid in 4 steps

Follow these in order. Skipping a step is the #1 reason rewards don't track.

Step 1: Grab your referral link

Your friend must use your unique link and complete their own qualifying action for both rewards to unlock.

Step 2: Share with a friend

Your friend must use your unique link and complete their own qualifying action for both rewards to unlock.

Step 3: They open + fund

Move the qualifying amount from your existing bank via faster payments. It arrives instantly and counts toward the bonus.

Step 4: Both get £20

Step 4 of 4 — the sooner you complete it, the faster your reward tracks.

Kroo logo

Kroo — The social current account

Am I eligible?

We haven't recorded eligibility criteria for this offer yet. Check the provider's own terms before you start.

Insider tips

  • Complete the whole flow in one sitting — leaving it half-done is the top reason £20 each bonuses fail to track.
  • Take screenshots of each step in case you need to raise a support ticket later.
  • Add a calendar reminder for the qualifying deadline so you don't miss it.

Reward type

Cash

Time to complete

5 mins

Withdraw via

Bank transfer

Kroo logo

About the provider

Kroo

The social current account

Kroo is a fully licensed UK challenger bank offering a current account with fee-free spending abroad, easy bill splitting and generous referral bonuses.

Safety

FSCS protected up to £85,000. Fully authorised by the FCA and PRA.

Fees

No monthly fee. No fees for spending abroad. £5 for a physical card replacement.

Devices

iOS · Android

Category

Bank

What we like

  • FSCS protected
  • Fee-free foreign spending
  • Generous referral bonus
  • Excellent app

Watch out for

  • No joint accounts yet
  • Limited branch support (app-only)
Full Kroo review
Community codes

Share the love — swap referral codes

Members drop their personal invite codes here. Codes rotate fairly so everyone gets a turn. Report any code that doesn't work.

Loading codes…

FAQs

How long until I actually get the money?+

Payout timing isn't confirmed for this offer yet — check the provider's own terms before you start. Open an account, complete ID checks, deposit £50 within 30 days and the reward lands within 10 working days.

Is this safe? Will it hurt my credit score?+

FSCS protected up to £85,000. Fully authorised by the FCA and PRA. This offer doesn't involve a credit check.

What are the fees?+

No monthly fee. No fees for spending abroad. £5 for a physical card replacement.

Can I close the account after I get the bonus?+

Yes — once the reward has cleared and any minimum holding period has passed, you're free to close the account. We recommend waiting at least 30 days after the bonus lands to be safe.

What if the reward doesn't track?+

Contact Kroo support first with your sign-up date and screenshots. If you're still stuck, ping the SmartPiggy team and we'll help chase it up.

The small print

SmartPiggy may earn a commission when you claim this offer — it costs you nothing and helps keep our reviews free (affiliate disclosure). Rewards, timings and eligibility are set by Kroo. Always read the provider's full T&Cs before you sign up. When it comes to money, your capital may be at risk. See our editorial policy for how we score and re-check offers.

We have not recorded a hand-check for this listing yet, so please confirm the current terms with Kroo before signing up.

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You get

£20 each