As you will see in our Capital One app review, this app is best for anyone who already has a Capital One bank account, credit card or loan. It’s a solid account management tool that gives you all the features you need to track purchases, pay bills, and monitor your balance.
And although the app comes with a built-in virtual assistant called Eno, one of its main downsides is that you can’t chat with customer service on the app – you have to call them instead.
While the Capital One app has some in-app money management tools, it’s not an all-in-one solution – and you may still need to pair it with a budgeting app for a full view of your personal finances.
Read the rest of our Capital One app review to find out what we like and where the app falls short.
Capital One App Review: Features
Capital One has several features that make managing your money easier. Here’s where it shines and where it falls flat.
Eno is Capital One’s digital assistant and is available to you 24/7 in the app. You can ask Eno questions about your account, transactions, and more. Also, it can send you custom insights – e.g. B. when a free trial is about to end, or when you may have been billed twice for a purchase.
If you’re concerned about safety when shopping online, Capital One has you covered. The app allows you to generate virtual card numbers to use at online merchants. This way, your real account number is never exposed.
And should there ever be a problem with a purchase, you can cancel your virtual card number so it cannot be used again.
The Capital One app offers customers multiple ways to keep their money safe. For example, you can:
- Turn maps on or off in the app
- Set up fingerprint or Face ID sign-in for an extra layer of security
- Receive alerts and instant purchase notifications
- Review detailed transactions for each purchase
- Monitor your credit score
Together, these features help protect your account from fraud and potential hackers.
Capital One works with Credit Wise so you can track your credit score right on the mobile app. With Credit Wise, you can view your weekly updated TransUnion credit score for free. You will also receive individual tips for improvement.
Does your household use Amazon Alexa? If yes, you might like this feature. The Capital One mobile app syncs with any Amazon Alexa device so you can check your balance, track your spending and pay bills on the go.
Simply activate the Capital One “Skill” in the Alexa app. Then you can ask questions like: “When is my credit card due date?” or “How much money do I have in savings?”
As with most banking apps, the key thing about the Capital One app is that you can manage your money and accounts from anywhere – in the office, on vacation, while running errands and more.
These are just a few things you can do in the app:
- Activate new debit and credit cards
- Receive alerts and instant purchase notifications
- Redeem credit card rewards
- Deposit checks with just one photo
- Check your credit history with Credit Wise
- Request virtual card numbers
- Pay bills and manage loans
- Send and receive money with cell
- Review detailed transactions for each purchase
- Get answers from Eno
The biggest downside to the Capital One app is that there’s no way to chat with customer support – a feature that’s growing in popularity among digital banks. However, customer support is available 24/7 by phone, so you can always get help this way.
Capital One App Review: Prices
The Capital One app is free to use. You can download it on App Store and Google Play.
Capital One app rating: Ease of use
Overall, customers are very satisfied with the Capital One app and its ease of use. It is #7 Best Free Finance App in Google Play Store and #5 Finance in Apple App Store.
Customers love the ability to check their balances and transactions, transfer money, pay bills, and submit checks—all in one place. The app’s interface is intuitive, easy to navigate, and features are clearly labeled.
There are some areas for improvement that customers have noticed. Some would like to see more budgeting and financial tracking tools in the app. Others notice that some actions take you out of the app and take you to a web browser instead.
For example, the app redirected me to the Capital One website when trying to set up an online bank account.
Despite these minor complaints, the Capital One app is generally well rated and considered very user-friendly. Customers find it helpful and convenient, and appreciate the uncomplicated design.
Capital One App Review: Support
You cannot start a chat with customer service in the Capital One app. However, there are a few ways to get in touch with you if you need help:
- chat with Enothe digital assistant from Capital One
- search it help center for answers to frequently asked questions
- Phone call 1-877-383-4802 speak to a customer service representative at any time
To try it out, I called Capital One customer service on July 14, 2022 and was on hold for three minutes. The customer service representative seemed knowledgeable, polite, and answered all of my questions in detail. Overall it was a great experience.
How the Capital One app compares to the competition
When it comes to banking apps, there are a few big players that everyone likes to compare. Capital One is one of those banks and their app has a lot to offer users. Here’s how it stacks up against Chase, Bank of America, and Chime.
Although Capital One ranks higher on the App Store and Google Play, Chase has the upper hand with its mobile app. It offers all the basic features you would expect from a banking app, plus a few extra bells and whistles. For example, you can manage your investments in the app, create custom budgets and get daily insights to avoid overspending.
Capital One has a slight advantage over BOA’s app. Not only does it rank higher in the app stores, but it also has some additional features like the ability to request virtual card numbers.
Chime beats Capital One in this comparison. Chime is a new player in the banking space – and their app is pretty impressive.
Like Capital One, Chime offers all the basics like balance checking and bill payment. But it also has some unique features, like automatic savings, free cash advances if you overdraw, and the ability to round up your purchases to the nearest dollar and save on the difference.
Capital One App Review: Verdict
Aside from in-app chats, the Capital One app is one of the best out there. It has a sleek interface and all the tools you need to manage your money on the go. And the virtual card feature means you can make online purchases without jeopardizing your physical card number.
The Capital One app is one of the top five traditional banking apps out there – with top notch Google Play and App Store reviews to prove it. Our only problem is that there is no built-in budget that allows you to fully manage your income, expenses, and savings goals. So if you are looking for an all-in-one money management app, you may not be satisfied.
That being said, it’s a no-brainer for Capital One users who want to manage all of their accounts in one place. And additional tools like Credit Wise and Eno are just icing on the cake.