Head-to-head · Neobank Apps
Capital One 360 Checking vs Rakuten Bank
Capital One 360 Checking leads on 0 checks, Rakuten Bank 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 scoreCapital One 360 Checking · 8.7/10
- Free planboth
Capital One 360 Checking scores higher on our rubric for neobank apps: 8.7 against 8.5 out of 10; our editors rank them #5 and #7.
On account scope, Rakuten Bank gives you Both where Capital One 360 Checking offers Personal.
Capital One 360 Checking is the better fit for US users wanting no-fee checking and Zelle. Rakuten Bank is the better fit for japan-based users seeking yen and foreign-currency banking.
- Capital One 360 Checking fits best
US users wanting no-fee checking and Zelle
- Rakuten Bank fits best
Japan-based users seeking yen and foreign-currency banking
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Side by side
| Feature | Capital One 360 Checking 8.7/10 Visit ↗ | Rakuten Bank 8.5/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 8.7 | 8.5 |
| Ranking | #5 in Neobank Apps | #7 in Neobank Apps |
| Best for | US users wanting no-fee checking and Zelle | Japan-based users seeking yen and foreign-currency banking |
| Pricing model | Free plan + paid | Free |
| Starting price | Free | Free plan |
| Free plan | ✓ | ✓ |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Support | Phone | Live chat |
| Integrations | 1 integrations | 2 integrations |
| Built for | Solo | Solo, Small business |
| Features Capital One 360 Checking 2/3 · Rakuten Bank 2/3 | ||
| Early pay access | ✓ (best) | Not checked yet |
| Cash deposit support | ✓ | ✓ |
| International transfers | Not checked yet | ✓ (best) |
| Specs | ||
| Account scope | Personal | Both |
| Savings yield | Not checked yet | 0.50% annual before tax for ordinary deposits (as of 2026-11-02); higher rates may require eligibility or linked services |
| Supported currencies | Not checked yet | Not checked yet |
| Our review | ||
| Pros |
|
|
| Cons |
|
|
| Our verdict | 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 → |
Rakuten Bank is a Japanese online bank for individuals who want everyday yen banking alongside access to foreign-currency deposits and international remittances. Its web, iOS, and Android options cover account activity, including balance… Read the review → |
Strengths and trade-offs
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
Rakuten Bank — where it wins
- Personal yen accounts support domestic and scheduled transfers.
- Offers foreign-currency deposits and international remittances for eligible holders.
- Integrates with Rakuten Securities and Rakuten Card.
Where it doesn't
- Transaction fees may apply even though standard account maintenance is free.
- International remittances are limited to eligible personal-account holders.
- Account eligibility and service availability may depend on residency and other conditions.
- 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 → - Rakuten Bank8.5/10 · Free plan
A free-to-open Japanese online bank for everyday yen banking and remittances.
Visit Rakuten BankFull verdict →
Capital One 360 Checking vs Rakuten Bank: questions
Which is better for neobank apps, Capital One 360 Checking or Rakuten Bank?
Capital One 360 Checking scores higher on our rubric for neobank apps: 8.7 against 8.5 out of 10; our editors rank them #5 and #7.
How do Capital One 360 Checking and Rakuten Bank compare?
All 4 checks we put side by side come out level: neither leads on any.
Do Capital One 360 Checking and Rakuten Bank have a free plan?
Capital One 360 Checking: Yes. Rakuten Bank: Yes.
More comparisons
- Starling Bank vs Capital One 360 Checking
- Starling Bank vs Rakuten Bank
- bunq vs Capital One 360 Checking
- bunq vs Rakuten Bank
- Monzo vs Capital One 360 Checking
- Monzo vs Rakuten Bank
- Revolut Business vs Capital One 360 Checking
- Revolut Business vs Rakuten Bank
All neobank apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update