Head-to-head · Neobank Apps
Starling Bank vs Capital One 360 Checking
Starling Bank 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 scoreStarling Bank · 9.3/10
- Free planboth
Starling Bank scores higher on our rubric for neobank apps: 9.3 against 8.7 out of 10; our editors rank them #1 and #5.
On account scope, Starling Bank gives you Both where Capital One 360 Checking offers Personal.
Starling Bank is the better fit for UK customers wanting a versatile everyday bank. Capital One 360 Checking is the better fit for US users wanting no-fee checking and Zelle.
- Starling Bank fits best
UK customers wanting a versatile everyday bank
- Capital One 360 Checking fits best
US users wanting no-fee checking and Zelle
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Side by side
| Feature | Starling Bank 9.3/10 Visit ↗ | Capital One 360 Checking 8.7/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.3 | 8.7 |
| Ranking | #1 in Neobank Apps | #5 in Neobank Apps |
| Best for | UK customers wanting a versatile everyday bank | US users wanting no-fee checking and Zelle |
| Pricing model | Free | Free plan + paid |
| Starting price | Free plan | Free |
| Free plan | ✓ | ✓ |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Support | Live chat, Phone, Email, Docs · 24/7 | Phone |
| Compliance | GDPR, 2FA | 2FA |
| Integrations | 4 integrations | 1 integrations |
| Built for | Solo, Small business | Solo |
| Features Starling Bank 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 | 4.00% AER variable on balances up to £25,000; 2.75% AER standard rate above that or after the first six months | 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 | Starling Bank is a UK bank with personal, joint and business current accounts managed through its mobile app and online banking. It is suited to customers who want an everyday account with budgeting and payment tools, as well as sole… 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
Starling Bank — where it wins
- Offers personal, joint and business current accounts.
- Spaces, virtual cards and Bills Manager help organize spending.
- Supports cash deposits, cheque deposits and international payments.
Where it doesn't
- Some optional services may carry charges.
- The Easy Saver interest rate is variable.
- It is a bank account offering, not a conventional software subscription.
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
- Starling Bank9.3/10 · Free plan
A no-monthly-fee UK bank account with budgeting, payments and savings tools.
Visit Starling BankFull 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 →
Starling Bank vs Capital One 360 Checking: questions
Which is better for neobank apps, Starling Bank or Capital One 360 Checking?
Starling Bank scores higher on our rubric for neobank apps: 9.3 against 8.7 out of 10; our editors rank them #1 and #5.
How do Starling Bank and Capital One 360 Checking compare?
All 4 checks we put side by side come out level: neither leads on any.
Do Starling Bank and Capital One 360 Checking have a free plan?
Starling Bank: 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