Switching to Kroo: How Its Non-CASS Account Switch Works
Kroo supports account switching, but not through the standard 7-day CASS route. Kroo says it is not a member of the Current Account Switch Service and instead operates its own switch-mandate process. That distinction matters for timing and expectations.
Kroo uses its own switch-mandate process rather than CASS
Kroo says it is not part of the Current Account Switch Service. Its current switching page describes a separate mandate process and says the requested switch date must be at least 13 working days after Kroo receives a fully completed mandate. That is materially different from the standard 7-working-day CASS route.
Official-source check: Kroo account-switching information. Checked 20 September 2026.
- 1. The short answer
- 2. Why this is different from CASS
- 3. Switching into Kroo
- 4. Switching away from Kroo
- 5. Money lens: value the account and switch separately
- 6. Direct Debits, standing orders and salary
- 7. Allow more time than a standard seven-day switch
- 8. Compare CASS alternatives if speed or guarantee matters
- 9. Verification checklist
- 10. Provider check
- 11. Questions readers often ask
The short answer
Kroo offers a personal current account, but Kroo says it is not a member of the 7-day Current Account Switch Service. It provides a separate switch-mandate process for moving an eligible account to or from Kroo.
Why this is different from CASS
CASS is a standardised seven-working-day service backed by the Current Account Switch Guarantee. Kroo’s own process uses different timings and instructions, so readers should not treat a Kroo switch as a normal CASS switch.
Switching into Kroo
Kroo says customers can submit a Switch Mandate after opening a Kroo current account. Eligible payments can be moved, and a full switch can include closing the old account if instructed. Check Kroo’s latest timetable before choosing a date.
Switching away from Kroo
If you move from Kroo to another provider, follow the receiving provider’s process. Kroo publishes how it will respond to a switch mandate and transfer payment details. The receiving bank’s CASS status can affect the route available.
Money lens: value the account and switch separately
A switching process has administrative value, but the ongoing account can affect you for years. Compare Kroo’s annual economics and features separately from the inconvenience or timing of the switch. Do not assign a CASS guarantee value to a non-CASS process.
Direct Debits, standing orders and salary
Kroo’s switching information describes how eligible recurring payments can be moved. Still check salary timing and any card subscriptions or payment types that may need manual updating.
Prioritise payments by consequence, not by convenience
Not every payment deserves the same migration attention. A streaming subscription can usually be corrected after a failed charge with little consequence; rent, mortgage, council tax, loan repayments and insurance premiums may matter much more. Put high-consequence payments at the top of the checklist and confirm them individually after the move.
Salary deserves the same treatment. Give payroll enough notice to update bank details, and avoid closing the old account until you know which account will receive the next pay cycle. If an employer misses the change deadline, keeping the old account open temporarily can prevent unnecessary recovery work. The objective is not simply to “move everything”; it is to maintain uninterrupted cash flow while the banking relationship changes.
Allow more time than a standard seven-day switch
Because this is not the standard CASS route, do not assume completion in seven working days. Avoid choosing a switch date close to rent, mortgage, salary or other critical payments unless the current instructions clearly support it.
Worked example: process risk has a cost even when it has no headline fee
Suppose your salary arrives on the 28th and your rent leaves on the 1st. With a standard seven-working-day CASS switch, the timetable and redirection guarantee give you a defined framework. With a non-CASS route, you need to allow more time and verify exactly when salary, Direct Debits and standing orders will move. The financial risk is not necessarily a quoted fee; it is the possibility of a missed payment, duplicated payment or temporary cash shortfall if dates are chosen badly.
You can reduce that risk by keeping a buffer in the old account, avoiding a switch date close to major payments, and manually confirming critical payers after the move. That operational work is part of the real “cost” of switching even if Kroo does not charge a switching fee.
Do not confuse non-CASS switching with “no switching”
Kroo does publish a process for moving an account in or out. The correction is that it is not the standard 7-day CASS route. That distinction is useful to readers because some will accept a longer/manual process for an account they prefer, while others will value the CASS guarantee and choose a participating provider instead.
Build a payment-migration buffer rather than relying on a headline date
For a non-CASS move, the safest timetable is built around your own cash-flow calendar. List salary, rent or mortgage, utilities, credit cards, subscriptions and any irregular annual payments. Keep enough money in the old account to cover at least one payment cycle until you have seen the important transactions arrive and leave from the new account correctly.
An illustrative example shows why this matters. If £2,100 of salary arrives on the 27th and £1,650 of committed payments leave between the 1st and 5th, a failed or late instruction could create a temporary £1,650 funding problem even when no bank charges a switching fee. Holding a £1,650–£2,000 transition buffer for a short period can be more valuable than squeezing a few extra pounds from an account benefit during the move.
Score process friction in pounds and time
Account economics and migration friction should be scored separately. If Kroo would improve your ongoing position by £70 a year but you expect two hours of manual payment checks and a week of extra cash-buffer management, decide whether that process is acceptable rather than pretending the switching mechanism itself creates the £70. Conversely, a CASS alternative may offer less ongoing value but a more standardised move. The right answer depends on which part of the trade-off matters to you.
After the transition, review the old account before closing it: check for pending card refunds, annual subscriptions, cheque payments and any organisation that still holds the old details. A non-CASS move rewards a deliberate close-out checklist.
Compare CASS alternatives if speed or guarantee matters
If the seven-working-day timetable and Current Account Switch Guarantee are priorities, compare providers that explicitly participate in CASS. Then compare the underlying account, not just the switch mechanism.
If you are comparing two otherwise similar accounts, treat the switching route as a service feature. A standard CASS path can be worth choosing when you want a defined timetable and guarantee; a non-CASS path may still be acceptable when the destination account itself offers enough long-term value and you are comfortable managing the transition. Write that trade-off down before applying so the process does not overshadow the account you will actually use for years.
Verification checklist
Before starting, confirm Kroo’s current switch instructions, timetable, account eligibility, payment types covered, whether you want the old account closed, and how any outstanding balance or scheduled payments will be handled.
Provider check
Our editorial correction is based on Kroo’s own switching page and help centre. Kroo states that it is not part of the Current Account Switch Service but supports a separate account-switch process.
Official source: Kroo account switching information →
Questions readers often ask
Is Kroo part of the Current Account Switch Service?
Kroo says it is not a member of the 7-day Current Account Switch Service. It provides its own account-switch process instead.
Can I still switch my current account to Kroo?
Yes. Kroo publishes a switch mandate process for eligible personal current accounts, but the timetable and protections are not the same as the standard 7-working-day CASS route.
Will Kroo move Direct Debits and standing orders?
Kroo’s published switching process can transfer eligible payment details, but you should follow its current mandate instructions and check the timetable carefully.
Does the CASS guarantee protect a Kroo switch?
Do not assume the CASS guarantee applies to Kroo’s non-CASS switch process. Check Kroo’s own terms and the exact switching route before starting.
What should I compare before switching to Kroo?
Compare the current account itself first, then the switching process: fees, interest conditions, payment features, cash/cheque needs, overseas use, joint-account requirements and switch timing.
Provider-plus-product searches should be answered with product truth first. Availability and account type come before any rate, bonus, fee or switching comparison.
Money routes from this guide
Continue from Switching to Kroo: How It Works Without the 7-Day CASS Route into pages where rates, fees, access and account value can be compared more directly.