Head-to-head · Neobank Apps
Monzo vs Capital One 360 Checking
Monzo 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 scoreMonzo · 9.1/10
- Free planboth
- Most featuresCapital One 360 Checking · 2 of 3
Monzo scores higher on our rubric for neobank apps: 9.1 against 8.7 out of 10; our editors rank them #3 and #5.
Monzo is the better fit for UK users seeking budgeting and card controls. Capital One 360 Checking is the better fit for US users wanting no-fee checking and Zelle.
- Monzo fits best
UK users seeking budgeting and card controls
- Capital One 360 Checking fits best
US users wanting no-fee checking and Zelle
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Side by side
| Feature | Monzo 9.1/10 Visit ↗ | Capital One 360 Checking 8.7/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.1 | 8.7 |
| Ranking | #3 in Neobank Apps | #5 in Neobank Apps |
| Best for | UK users seeking budgeting and card controls | US users wanting no-fee checking and Zelle |
| Pricing model | Free plan + paid | Free plan + paid |
| Starting price | £3/mo | Free |
| Free plan | ✓ | ✓ |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Support | Live chat, Email, Phone, Docs · 24/7 | Phone |
| Integrations | 4 integrations | 1 integrations |
| Built for | Solo, Small business, Mid-market | Solo |
| Features Monzo 1/3 · Capital One 360 Checking 2/3 | ||
| Early pay access | Not checked yet | ✓ (best) |
| Cash deposit support | Not checked yet | ✓ (best) |
| International transfers | ✓ (best) | Not checked yet |
| Specs | ||
| Account scope | Not checked yet | Personal |
| Savings yield | Not checked yet | Not checked yet |
| Supported currencies | Not checked yet | Not checked yet |
| Our review | ||
| Pros |
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| Cons |
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| Our verdict | Monzo is a UK digital bank for people who want a personal current account managed primarily through a mobile app. Its free account combines a UK current account with Pots for organising money, spending categories, instant notifications, UK… 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
Monzo — where it wins
- Pots, spending categories and instant notifications support day-to-day budgeting.
- Card freeze, biometric login and mobile wallet support add practical controls.
- Free and paid plans span current-account basics, virtual cards and insurance benefits.
Where it doesn't
- Personal accounts are available only to UK residents.
- Virtual cards and advanced budgeting tools require the Extra plan.
- Insurance benefits are reserved for the £19-per-month Max plan.
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
- Monzo9.1/10 · Free plan
A free UK current account with budgeting tools, card controls and paid feature tiers.
Visit MonzoFull 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 →
Monzo vs Capital One 360 Checking: questions
Which is better for neobank apps, Monzo or Capital One 360 Checking?
Monzo scores higher on our rubric for neobank apps: 9.1 against 8.7 out of 10; our editors rank them #3 and #5.
How do Monzo and Capital One 360 Checking compare?
All 4 checks we put side by side come out level: neither leads on any.
Do Monzo and Capital One 360 Checking have a free plan?
Monzo: 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