Capital One UK vs Kroo Bank - Mobile Banking Usage & Stats

Quick, handy, safe and packed with brilliant features that can help with managing your finances. INTRODUCING… THE CAPITAL ONE APP This isn’t just another credit card app. But then, we would say that. Right? So it’s a good job all the customers dropping 5 star reviews on here seem to agree. (About 4 out of 5 reviews hit top marks.) WHY SO MANY FIVE STAR REVIEWS? We listen to you (as in all 2 million of our app-using customers). And then make features based on what you need. The kind of things that let you stop wasting time filling in forms or rolling your eyes while waiting on phone lines. Take a look at a few of the things you can do in the app: • Set up and change your Direct Debits • Sign in with Face or Touch ID or a passcode • Temporarily block a card or report it lost or stolen • Make payments and find out when your next payment is due • Update your contact details • View PIN • Check your balance and how much you’ve got to spend • See transactions • Register multiple Capital One cards

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Kroo Bank - Mobile Banking

INTUITIVE SPENDING One home for your money. Spend. Track. Settle up with friends. You’ll also get real-time spending insights. These break down and categorise your transactions. Lovely. NO MONTHLY FEES Our current account is free to open with no monthly fees. And you can apply to access an overdraft (subject to status), currently by invitation only. ZERO FEES OVERSEAS Spend using your Kroo debit card at home and abroad, where Visa is accepted, with zero fees. PEACE OF MIND FSCS deposit protection up to £85,000 per customer Face ID. Touch ID Multi-factor authentication UK-based customer support Freeze and unfreeze your card. KROO & APPLE PAY Enjoy all the benefits of your Kroo card using Apple Pay. It’s an easy, secure, and private way to pay. INTEREST FOR YOU With a Kroo current account, you’ll earn interest at 0.9% below the Bank of England base rate on your current account balance up to £500,000. And it’s paid into your account monthly. AER means annual equivalent rate. It shows you the yearly rate if we paid interest on top of interest. Gross interest is the contractual rate of interest. KROO PERSONAL LOANS Kroo loans are now available through the app. Applications for a loan are by invitation only for Kroo current account holders. The loan repayment periods are from 12 to 60 months, with a Maximum Annual Percentage Rate (APR) of 23.6% A representative example is £5,000.00 over 5 years, with APR (fixed) of 8.2%. This would have 60 monthly repayments of £101.16. The total repayment would be £6,069.60, and the cost of credit would be £1,069.60 Our customer privacy policy can be viewed here: https://www.kroo.com/customer-privacy-notice OUR MISSION Our goal is to be trusted and loved by our customers because we have their backs. We are a fully licensed UK bank, authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Firm Registration number is 953772. Head to kroo.com to find out more. Current account applications and account management are via the app only.