Comparison

PayPal vs Capital One Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayPal

Securely shop online and in-store, send and receive money globally, and manage your finances. Earn rewards with a debit card and track packages. Offers purchase protection and buy now, pay later options.

Highlights
  • Secure online and in-store shopping
  • Purchase protection
  • Earn rewards with debit card
  • Send and receive money globally
  • Buy Now, Pay Later options
  • Package tracking
  • Subscription management
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

Capital One Mobile

Manage your finances on the go with easy access to your accounts. View balances, pay bills, track credit, redeem rewards, and send money. Get instant alerts and lock your cards for added security.

Highlights
  • View account balances
  • Pay bills and loans
  • Monitor credit score
  • Redeem rewards
  • Send and receive money
  • Card activation and locking
  • Instant notifications
Features
Read full description

What’s on the Capital One Mobile app? All of your accounts, and so much more. Whether you’re out in the world or feeling right at home, you can manage your money with ease: - View balances and export statements - Pay bills and take care of loans - Check in on your credit with CreditWise - Activate a credit or debit card when you need it - Redeem rewards on the go - Send and receive money with friends and family using Zelle® With the Capital One Mobile app, you can ... - Stay informed when you enable alerts and purchase notifications - See everything that happens on your card with detailed transactions - Instantly lock your credit or debit card from anywhere - Get answers from Eno, your Capital One assistant Download the app for better banking with Capital One. Internet access is needed to use the mobile app. Check with your Internet service provider for details of specific fees and charges. Service outages may occur. Capital One customers are responsible for regularly checking their account statements. Push, email, and SMS alerts and notifications, including purchase notifications, must be enabled to be received. CreditWise monitoring and alerts may not be available if the information you enter at enrollment does not match the information in your file at one or more consumer reporting agencies or you do not have a file at one or more consumer reporting agencies. Features may not be available to all customers. Actual experiences may differ from those depicted. Additional terms and limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To read about the Terms of your download, check out the End User License Agreement.

Screenshots

PayPal4 screens
Capital One Mobile4 screens

Verdict

The call

PayPal and Capital One Mobile both sit at 4.8 stars, but that hides the real split: 60% of Capital One Mobile's written reviews are positive against 21% of PayPal's. Capital One Mobile also leads on ads (none vs shown) and monetization model (free vs ad-supported). On price, rating, ratings volume and update cadence there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.8 for Capital One Mobile. Both are backed by a comparable volume of ratings — 6.3M and 11M respectively. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 60% of Capital One Mobile's.

UpkeepUpdate frequency

PayPal ships an update weekly, Capital One Mobile every 2 weeks. Both last shipped on November 7, 2026.

Scorecard4 real differences · 7 level
PayPal versus Capital One Mobile: the parameters behind the verdict, then further details
ParameterPayPalCapital One Mobile
PriceFreeFree
Rating4.8 (6.3M ratings)4.8 (11M ratings) — better
Positive reviews20.7% of reviews59.9% of reviews — better
Number of ratings6.3M11M — better
Update frequencyWeekly — betterEvery 2 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
Best chart rank#6#1 — better
DevicesiPhoneiPhone, iPad — better
Requires iOS17.417.0 — better
Further details — not scored
Size799 MB374 MB
Age rating4+4+
DeveloperPayPal, Inc.Capital One Services, LLC

Customer experience

PayPal

All ratings6,299,085 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews6,050 reviews
Positive20.7%
Neutral5.1%
Negative74.1%

Capital One Mobile

All ratings11,268,812 ratings
Positive96.9%
Neutral1.3%
Negative1.8%
Written reviews6,467 reviews
Positive59.9%
Neutral5.3%
Negative34.8%

User reviews

PayPal

From 6.3M App Store ratings

What we love

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
  • 🤖 Overly automated with lack of human interaction

Capital One Mobile

From 11M App Store ratings

What we love

  • 🚀 Exceptional customer service
  • 👍 User-friendly app
  • 🚀 Convenient features
  • 🚀 Seamless transactions
  • 🚀 Instant notifications

Room to improve

  • 🐛 Buggy and laggy app
  • 🔒 Concerns about account security
  • 🔒 Difficulty verifying identity
  • 🔒 Lack of transparency in account closures
  • 🐛 Inconsistent app performance

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

Capital One Mobile

Reported bugs

4 issues
  • Recurring payment issues and account freezes
  • Delayed transaction postings and notifications
  • Incompatibility with older devices and iOS versions
  • Inconsistent behavior when adding external accounts

Requested features

5 requests
  • 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

In-app purchases

None

PayPal

No in-app purchases

None

Capital One Mobile

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Capital One Mobile free?
Capital One Mobile is free to download, with no in-app purchases.
Which has better reviews, PayPal or Capital One Mobile?
Capital One Mobile is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Capital One Mobile averages 4.8 from 11M ratings.
Do PayPal or Capital One Mobile have ads?
PayPal shows ads; Capital One Mobile does not.
Which is updated more often, PayPal or Capital One Mobile?
PayPal ships an update weekly, and Capital One Mobile every 2 weeks. Most recently, PayPal was updated on November 7, 2026 and Capital One Mobile on November 7, 2026.
Which is more popular, PayPal or Capital One Mobile?
PayPal currently peaks at #6 in the App Store charts, and Capital One Mobile at #1. Chart position reflects recent download velocity rather than total install base.

Other comparisons