Head-to-head · Neobank Apps
bunq vs Capital One 360 Checking
bunq leads on 0 checks, Capital One 360 Checking on 0, and 4 are even. Who comes out ahead on the 4 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scorebunq · 9.2/10
- Free planboth
- Free trialonly bunq
bunq scores higher on our rubric for neobank apps: 9.2 against 8.7 out of 10; our editors rank them #2 and #5.
On account scope, bunq gives you Both where Capital One 360 Checking offers Personal.
bunq is the better fit for people needing flexible personal and business accounts. Capital One 360 Checking is the better fit for US users wanting no-fee checking and Zelle.
- bunq fits best
People needing flexible personal and business accounts
- Capital One 360 Checking fits best
US users wanting no-fee checking and Zelle
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Side by side
| Feature | bunq 9.2/10 Visit ↗ | Capital One 360 Checking 8.7/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.2 | 8.7 |
| Ranking | #2 in Neobank Apps | #5 in Neobank Apps |
| Best for | People needing flexible personal and business accounts | US users wanting no-fee checking and Zelle |
| Pricing model | Free plan + paid | Free plan + paid |
| Starting price | €3.99/mo | Free |
| Free plan | ✓ | ✓ |
| Free trial | 30 days | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Support | Live chat, Phone, Docs · 24/7 | Phone |
| Compliance | GDPR, 2FA | 2FA |
| Integrations | 3 integrations | 1 integrations |
| Built for | Solo, Small business | Solo |
| Features bunq 2/3 · Capital One 360 Checking 2/3 | ||
| Early pay access | Not checked yet | ✓ (best) |
| Cash deposit support | ✓ | ✓ |
| International transfers | ✓ (best) | Not checked yet |
| Specs | ||
| Account scope | Both | Personal |
| Savings yield | Up to 3.11% | Not checked yet |
| Supported currencies | 20 currencies | Not checked yet |
| Our review | ||
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| Cons |
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| Our verdict | bunq is a European digital bank offering personal and business accounts through mobile apps and web banking. It is aimed at people who want to manage accounts, cards, payments, savings and budgeting in one service, including those who need… Read the review → |
Capital One 360 Checking is a personal checking account that can be opened online and managed on the web, iOS, or Android. It suits people looking for everyday banking without a monthly fee or minimum balance requirement, especially those… Read the review → |
Strengths and trade-offs
bunq — where it wins
- Multiple IBAN accounts and physical or digital cards across paid plans
- Foreign-currency accounts and transfers in over 40 currencies
- Personal and business accounts with web, iOS, and Android access
Where it doesn't
- Account and card limits vary substantially by plan
- Cash deposits are limited to eligible plans and supported countries
- Foreign-currency account availability depends on country of residence
Capital One 360 Checking — where it wins
- No monthly fee or minimum balance requirement
- Cash and mobile check deposits, plus bill pay and money transfers
- Zelle in the mobile app and access to fee-free ATM networks
Where it doesn't
- No international-transfer details are provided
- No savings-rate information is available
- Checking is a banking account, not standalone budgeting software
- bunq9.2/10 · Free plan · 30-day trial
Flexible European banking with personal and business accounts, cards, and international transfers.
Visit bunqFull verdict → - Capital One 360 Checking8.7/10 · Free plan · paid from $0/mo
Everyday checking with Zelle, cash deposits, and eligible early direct deposit.
Visit Capital OneFull verdict →
bunq vs Capital One 360 Checking: questions
Which is better for neobank apps, bunq or Capital One 360 Checking?
bunq scores higher on our rubric for neobank apps: 9.2 against 8.7 out of 10; our editors rank them #2 and #5.
How do bunq and Capital One 360 Checking compare?
All 4 checks we put side by side come out level: neither leads on any.
Do bunq and Capital One 360 Checking have a free plan?
bunq: Yes. Capital One 360 Checking: Yes.
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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update