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<url>
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  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31573557090705-How-much-can-I-save-in-an-ISA</loc>
  <lastmod>2025-01-07T17:41:20Z</lastmod>
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  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31573624408465-Can-I-transfer-an-existing-ISA-to-Kroo</loc>
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<url>
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  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31573753269009-How-do-I-deposit-money-into-my-ISA</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31573810228881-What-is-the-interest-rate-on-a-Kroo-ISA</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31573828650769-How-often-is-interest-paid-on-Kroo-ISA</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31573903350929-Will-the-ISA-interest-rate-change</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31574017118993-Is-the-interest-I-earn-on-my-ISA-tax-free</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31574067789201-Can-I-hold-multiple-ISAs-at-Kroo</loc>
  <lastmod>2025-01-07T17:41:20Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31574096234769-What-happens-if-I-exceed-the-ISA-allowance</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31574133300113-What-happens-to-my-ISA-if-I-move-abroad</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31574136028689-Is-my-money-safe-in-a-Kroo-ISA</loc>
  <lastmod>2025-01-07T17:41:20Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31574176363537-How-can-I-contact-Kroo-for-ISA-support</loc>
  <lastmod>2025-01-07T17:42:14Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/31574180620177-Can-I-close-my-Kroo-ISA-at-any-time</loc>
  <lastmod>2025-01-07T17:42:14Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/32650797390353-I-don-t-recognise-a-payment-what-should-I-do</loc>
  <lastmod>2025-02-18T10:15:41Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/33400120745105-Do-you-provide-Individual-Savings-Account-ISA-statements</loc>
  <lastmod>2025-03-12T11:38:22Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/36537046494481-I-m-having-trouble-logging-into-my-Kroo-account-What-should-I-do</loc>
  <lastmod>2025-06-25T14:54:44Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/37458737761681-I-m-moving-abroad-Can-I-still-use-my-account</loc>
  <lastmod>2025-07-24T10:09:27Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/38036832174225-TEST-FOR-MAKE</loc>
  <lastmod>2025-08-12T15:58:08Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/38037578475665-TEST-2</loc>
  <lastmod>2025-08-12T16:09:05Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/38071996160785-Make-test-article-created-alone</loc>
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</url>
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  <loc>https://help.beta.kroo.com/hc/en-gb/articles/38099547980305-Make-test-article-created-from-scratch</loc>
  <lastmod>2025-08-14T13:49:32Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/articles/38099781083025-Make-test-4</loc>
  <lastmod>2025-08-14T14:00:02Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/13950145100433-Group-payments</loc>
  <lastmod>2024-01-15T16:04:19Z</lastmod>
</url>
<url>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21676799315089-Account-basics</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21677316428049-Personal-current-account-limits</loc>
  <lastmod>2024-01-26T14:55:46Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21677402757265-Credit-score-monitoring</loc>
  <lastmod>2025-08-13T16:52:09Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21677459288209-Interest-on-your-current-account</loc>
  <lastmod>2024-01-15T10:21:45Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21677668962961-Moving-to-the-personal-current-account</loc>
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</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21677881873297-Account-management</loc>
  <lastmod>2025-08-14T13:19:27Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21680735980945-Kroo-app-support</loc>
  <lastmod>2025-06-25T14:54:44Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21680851329809-Restricted-account-information</loc>
  <lastmod>2024-01-15T11:50:43Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21681172568593-Feedback</loc>
  <lastmod>2024-01-15T11:56:35Z</lastmod>
</url>
<url>
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  <lastmod>2024-01-15T11:59:15Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21681301207057-Card-basics</loc>
  <lastmod>2024-01-15T12:10:51Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21681797117329-Using-your-card-for-online-transactions</loc>
  <lastmod>2024-01-15T12:12:19Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21681951589521-PIN-services</loc>
  <lastmod>2024-01-15T12:14:03Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21681977812881-Pending-transactions</loc>
  <lastmod>2024-01-15T12:15:29Z</lastmod>
</url>
<url>
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  <lastmod>2024-01-15T12:16:48Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21682000160657-Mobile-wallet-payments</loc>
  <lastmod>2024-01-15T12:19:20Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21682138758033-Card-transactions</loc>
  <lastmod>2025-02-18T10:23:23Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21682390939409-Disputes</loc>
  <lastmod>2025-07-24T11:47:35Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21683254984209-Fraud-and-scam-information</loc>
  <lastmod>2025-02-18T10:15:41Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21683324815377-Direct-Debits-scheduled-payments</loc>
  <lastmod>2025-08-14T14:00:02Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21683396794385-Confirmation-of-Payee</loc>
  <lastmod>2024-01-15T13:03:26Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21690498483217-Other-payments</loc>
  <lastmod>2024-01-15T16:05:10Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21690686052369-Using-Kroo-abroad</loc>
  <lastmod>2024-01-15T16:42:49Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21691100183697-Foreign-currency-transactions</loc>
  <lastmod>2025-08-12T16:09:05Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21691653627153-ATM-transactions</loc>
  <lastmod>2024-01-15T16:44:59Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21691725799697-Cash-deposits</loc>
  <lastmod>2024-01-15T16:45:48Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21691750889361-Overdrafts</loc>
  <lastmod>2024-01-15T16:50:37Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21691860084753-Loans</loc>
  <lastmod>2026-03-12T15:46:33Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21691976976017-Applying-for-a-loan</loc>
  <lastmod>2024-01-15T17:00:40Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21692129378065-Managing-my-loan</loc>
  <lastmod>2026-03-12T15:46:33Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21692517689873-About-Kroo</loc>
  <lastmod>2025-06-25T10:12:30Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21692876700433-Partnerships</loc>
  <lastmod>2024-01-15T17:29:25Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21692921475473-Inviting-friends-to-Kroo</loc>
  <lastmod>2024-01-16T09:17:10Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/21705634679441-Tree-Planting</loc>
  <lastmod>2024-01-16T09:25:17Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/31573285045521-ISAs-basics</loc>
  <lastmod>2025-08-18T13:37:51Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/31573309549841-Managing-my-ISA</loc>
  <lastmod>2025-08-14T13:49:32Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/sections/31573896969233-Interest-on-Kroo-ISAs</loc>
  <lastmod>2025-01-07T17:41:28Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/9455930465809-About-Kroo</loc>
  <lastmod>2025-06-25T10:12:30Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/13950159218449-Payments</loc>
  <lastmod>2025-08-14T14:00:02Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/14185952168849-Personal-current-account</loc>
  <lastmod>2025-08-14T14:00:02Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/14185954597137-Using-my-account</loc>
  <lastmod>2025-08-14T13:19:27Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/14185956866961-Spending-abroad</loc>
  <lastmod>2025-08-12T16:09:05Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/14185966073105-Individual-Saving-Account-ISA</loc>
  <lastmod>2025-08-18T13:37:51Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/14186001831953-Cards</loc>
  <lastmod>2025-07-24T11:47:35Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/14186004149393-Cash-and-cheques</loc>
  <lastmod>2024-01-15T16:45:48Z</lastmod>
</url>
<url>
  <loc>https://help.beta.kroo.com/hc/en-gb/categories/14186005159441-Borrowing</loc>
  <lastmod>2026-03-12T15:46:33Z</lastmod>
</url>
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