# Capital One Mobile — user reviews > 5,565 indexed App Store user reviews of Capital One Mobile by Capital One, rated 4.80/5 from 10,976,170 ratings. - Source: https://appshunter.io/ios/app/capital-one-mobile/id407558537/reviews - App overview in markdown: https://appshunter.io/ios/app/capital-one-mobile/id407558537.md - Rating breakdown: 5★ 9,980,463 · 4★ 655,625 · 3★ 147,505 · 2★ 41,626 · 1★ 150,951 ## What do users think of Capital One Mobile? Overall sentiment: neutral **Pros** - 🚀 Exceptional customer service - 👍 User-friendly app - 🚀 Convenient features - 🚀 Seamless transactions - 🚀 Instant notifications - 🚀 Helpful credit-building tools **Cons** - 🐛 Buggy and laggy app - 🔒 Concerns about account security - 🔒 Difficulty verifying identity - 🔒 Lack of transparency in account closures - 🐛 Inconsistent app performance - 🔒 Unresponsive to customer issues **Commonly reported bugs** - Recurring payment issues and account freezes - Delayed transaction postings and notifications - Incompatibility with older devices and iOS versions - Inconsistent behavior when adding external accounts **Most requested features** - Ability to add/remove external accounts in-app - Improved visibility of pending/upcoming transactions - Integration of budgeting and money management tools - Faster processing of transfers and payments - Dark mode option for the app ## Newest reviews (10 of 5,565) ### 3/5 — Mobile deposit *2026-08-24, version 6.52.0* It’s a convenient feature when it works; however, there are times when making a deposit is difficult because the period isn’t available on the keyboard. For any field that requires a numerical amount, it would be helpful if the keyboard displayed only the number keys, including the decimal point, to make entering amounts easier. ### 2/5 — The Worst Ever Setup Experience of Record… *2026-08-24, version 6.52.0* Capital One took over Discover and their app setup is the most counter intuitive, clumsy, and terrible user interface coding I have ever encountered bar none. It cannot even make a logical distinction between one account with two individual clients, individual profiles, and contact data under that account. God awful is a generous descriptor for the experience. ### 5/5 — H *2026-08-24, version 6.52.0* It good app ### 5/5 — Best app available *2026-08-24, version 6.52.0* This app will help you build better credit by helping you keep track of your spending as well as help you keep track of your credit score. Amazing app ### 3/5 — Customer not good *2026-08-24, version 6.52.0* Not good care ### 3/5 — They’d be perfect if it wasn’t Discover…. *2026-08-24, version 6.52.0* I’m in the military stationed overseas. Discover really can’t be used much over here, and by much I haven’t found any place that accepts it. Even the two US ATM machines on base won’t accept my Discover card. Its just disappointing ### 2/5 — Widget *2026-08-24, version 6.52.0* It’s useless shows nothing to help waste of space u less I’m use it wrong they should explained ### 1/5 — Frozen App *2026-08-24, version 6.52.0* App is frozen won’t update etc. Trash. You would think a company who has billions and bought out discover card would have a functioning app ### 5/5 — Satisfied Viking @ Capital One *2026-08-24, version 6.52.0* They have honored EVERYTHING they STATED and PROMISED … I Feel Safe within the App and EASY to use. ### 5/5 — Capital One Is the best from the rest🥳🎉 *2026-08-24, version 6.52.0* We are in the future everyone… what’s in your wallet🤙💪2026 ## Most critical reviews (10 lowest-rated) ### 1/5 — Bad updating *2026-08-24, version 6.52.0* App does not track payments in real time. Takes forever for charges to populate then charges you late fees for their mistake of not updating their balayages you paid in a timely manner. ### 1/5 — Don’t Do It *2026-08-24, version 6.52.0* I really HATE being bombarded by ADVERTISEMENTS and Sales Pitches and SPAM EMAILS MULTIPLE TIMES A DAY from these IDIOTS!!! Hey FOOLS, I pay you. I DO NOT WANT TO BE CONTINUOUSLY HASSLED TO BUY STUPID FINANCIAL PRODUCTS THAT I DON’T WANT. LEAVE ME ALONE!!! ### 1/5 — Transfers take like 5 days *2026-08-24, version 6.52.0* Just way too long on transfers. I signed up years ago. Overdraft is $200, by the time you realize you need to transfer money to a debit card or whatever it's too late. It takes 5 frikken days to transfer from my other bank. I probably cancel both banks and try the X money thing. It's become too much of a hassle to continue using capital one. ### 1/5 — Absolute joke of a company *2026-08-24, version 6.52.0* Completely incompetent customer service at every level. One of the most pathetic companies I’ve ever interacted with. Garbage app that I think is just harvesting and selling your personal info. ### 1/5 — It’s definitely not Discover *2026-08-24, version 6.52.0* I have been with Discover for years and never had an issue. My very first experience with Capital One wasn’t a pleasant one. I have an automatic payment set up so that I never have to pay a late fee. I then make a second payment to pay off my account. Even though the second payment wasn’t made by the “due” date, it was made several days prior to the statement date. Capital One still felt the need to charge interest on a zero balance account. You really must read all the fine print when these credit card companies go swapping your accounts around. ### 1/5 — Suks *2026-08-24, version 6.52.0* Yes it's that ### 1/5 — System glitch caused false NSF returns and automatically closed all my accounts *2026-08-24, version 6.52.0* This 1-star review is not about the customer service representatives, but about a catastrophic failure within Capital One’s automated payment system.I scheduled a payment through their system, which was repeatedly returned for "insufficient funds." I can absolutely guarantee and prove that the funds were fully available in my checking account the entire time. Because the automated system kept falsely rejecting the payment, I was slammed with multiple fees that pushed my balance way over my credit limit.To try and fix Capital One's system glitch, I had to completely delete my payment method and re-enter the exact same bank information. Once I did that, the payment finally went through on my end. However, while the payment was still processing in their system, Capital One’s automated risk algorithm automatically triggered and closed every single one of my accounts.Their automated system created the error, penalized me for it, and then punished me for trying to fix it. If you rely on stable, predictable banking software, look elsewhere. The system algorithms here are deeply flawed and will ruin your credit profile over their own internal technical glitches. ### 1/5 — Card replacement *2026-08-24, version 6.52.0* I have been waiting a month to receive a new card. The process of issuing new cards is not efficient. ### 1/5 — GARBAGE … SCAMS … INTIMIDATION *2026-08-24, version 6.52.0* BELONG TO TRASH CAN ### 1/5 — App *2026-08-24, version 6.52.0* This app is not user friendly. ## Most praised reviews (10 highest-rated) ### 5/5 — 1 *2026-08-24, version 6.52.0* My first credit card and let’s say I’m addicted 😂but this is my favorite one ❤️ ### 5/5 — My favorite credit card *2026-08-24, version 6.52.0* I love Capital One absolutely love it. You have to do a secure credit card in which I did, which is pretty OK within the end of the year. I’ll probably go for the real deal that I wanted to be on my credit app and it gives you that opportunity to do that but you’re using your own money until you build it up and then you can apply to get a actual card still through them, but I love their checking or savings the credit card the whole Quebec Customer Service is great if you have any questions about anything I would suggest if they give you a credit limit of two or 300 and secured whatever you use payback immediately the full amount and I mean if you run into a little narrow and you only can do the minimum but it’s always good in your favor to pay back the full thing but I love it. Absolutely love it thanks, Capital One. ### 5/5 — On line bank *2026-08-24, version 6.52.0* I like the Capital One mobile app. I think it’s better than the other bank apps that I use. ### 5/5 — Best Bankers *2026-08-24, version 6.52.0* Best Bankers on the planet. Customer oriented and they message you every time the card is used, great for avoiding fraud! ### 5/5 — My review *2026-08-24, version 6.52.0* Capital One is a great company ,and they do everything to make sure my accounts are in good standing . Letting me know when to deposit more money in my account if needed. ### 5/5 — Awesome *2026-08-24, version 6.52.0* I love my Capital One card !!! I love my app so I can keep in contact of what I’ve spent and where I’ve spent it. I appreciate all the good work that y’all were doing. Deborah Brillhart ✝️🇺🇸 ### 5/5 — All my Banking in 1 place!! *2026-08-24, version 6.52.0* I’m so happy with the Discovery/CapitalOne Merger! Now, I can access both my checking and savings accts in the same app, with quicker transfer times. ### 5/5 — Capital one *2026-08-24, version 6.52.0* They have been a good bank to work with they stopped my card right away when somebody stole and used it and gave me back what was stolen ### 5/5 — The best bank *2026-08-24, version 6.52.0* Capital One bank has excellent rates and services. I highly recommend them. ### 5/5 — past due balance *2026-08-24, version 6.52.0* jessie in collections located in texas. is the kindest employee…very understanding and helpful…she helped me in whatever way possible to come up with a payment …i am sure i will be calling back and would feel lucky to work with her again… --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*