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Kroo Bank Ltd
Legal entity: Kroo Bank Ltd
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 10359002, incorporated September 2016
107banking decisions
53.3%uphold rate
50not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| APP scam refund refused | 47 | 18 | 38.3% |
| Complaint handling | 26 | 15 | 57.7% |
| Funds blocked or frozen | 20 | 14 | 70.0% |
| Unauthorised transaction | 18 | 13 | 72.2% |
| Account closed or refused | 15 | 7 | 46.7% |
| Service failure | 12 | 9 | 75.0% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FCA | 2025-H2 2025-07-01 to 2025-12-31 | 29.3% | 820 | 820 | — |
| FCA | 2025-H1 2025-01-01 to 2025-06-30 | 29.7% | 893 | 893 | — |
| FCA | 2024-H2 2024-07-01 to 2024-12-31 | 37.8% | 1,246 | 1,265 | — |
| FCA | 2024-H1 2024-01-01 to 2024-06-30 | 31.5% | 1,083 | 1,099 | — |
| FCA | 2023-H2 2023-07-01 to 2023-12-31 | 44.9% | 1,177 | 1,059 | — |
| FCA | 2023-H1 2023-01-01 to 2023-06-30 | 67.7% | 741 | 634 | — |
| FOS | 2025-H2 | 45.6% | — | — | 139 |
| FOS | 2025-H1 | 48.8% | — | — | 104 |
| FOS | 2024-H2 | 47.0% | — | — | 170 |
| FOS | 2024-H1 | 57.9% | — | — | 87 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.