# Capital One Mobile vs EdFed

The clearest difference is rating: Capital One Mobile at 4.8 against EdFed's 3.0. Capital One Mobile also leads on review sentiment (60% vs 28%) and monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support there is nothing between them.

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

Capital One Mobile holds the better App Store score, 4.8 against 3.0. That said, the two scores are not equally well evidenced: Capital One Mobile has 11M ratings behind it against 127, so its average is the more settled of the two. Written reviews point the same way: 60% of Capital One Mobile's written reviews are positive against 28% of EdFed's.

Capital One Mobile ships an update fortnightly, EdFed monthly. The most recent releases landed on September 25, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | Capital One Mobile | EdFed |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (11M ratings)](https://appshunter.io/ios/app/capital-one-mobile/id407558537/reviews)** | [3.0 (127 ratings)](https://appshunter.io/ios/app/edfed/id433267554/reviews) |
| Number of ratings | **11M** | 127 |
| Positive reviews | **59.8% of reviews** | 28.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | **#3** | — |
| Size | 396 MB | 120 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Capital One](https://appshunter.io/developer/339644101) | [Educational Federal Credit Union](https://appshunter.io/developer/1386231695) |

## What reviewers say

### Capital One Mobile

[App page](https://appshunter.io/ios/app/capital-one-mobile/id407558537)

**Currently charting:** #3 Top Free · Finance, #46 Top Free (US App Store)

Manage your finances on the go with comprehensive account access. View balances, pay bills, track transactions, and monitor your credit score. The app also offers card management, rewards redemption, and peer-to-peer payments.

**Highlights:** View account balances and statements, Pay bills and loans, Check credit score with CreditWise, Activate cards, Redeem rewards, Send/receive money with Zelle, Lock/unlock cards

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**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

**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


### EdFed

[App page](https://appshunter.io/ios/app/edfed/id433267554)

Manage your finances on the go with this mobile banking app. View account balances, transaction history, and check images. Schedule bill payments and deposit checks remotely. Locate nearby ATMs easily.

**Highlights:** Account management, Check image viewing, Transaction history, Bill payment scheduling, Remote check deposit, ATM locator

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast performance (sometimes)
- 💡 Convenient for basic banking
- ✅ Works great on iPhone
- ✅ Old app was functional

**What reviewers complain about**

- 🐛 Frequent bugs and glitches
- 🐛 App crashes often
- 🐛 Login issues (locked out, wrong password)
- 🐛 Mobile deposit not working
- 🐛 Slow loading times

**Reported bugs**

- App locks and denies access after login attempts
- Cannot scan checks for mobile deposit
- Zelle feature not accessible as advertised
- Account registration fails
- Mobile deposit screen is blank or white

**Requested features**

- Zelle integration
- Improved mobile deposit functionality
- Bill pay improvements
- Full transaction history access
- FaceID/TouchID/Biometric login


## Frequently asked questions

### Is Capital One Mobile free?

Capital One Mobile is free to download, with no in-app purchases.

### Is EdFed free?

EdFed is free to download, with no in-app purchases.

### Which has better reviews, Capital One Mobile or EdFed?

Capital One Mobile is rated higher. Capital One Mobile averages 4.8 out of 5 from 11M ratings, while EdFed averages 3.0 from 127 ratings.

### Do Capital One Mobile or EdFed have ads?

Neither Capital One Mobile nor EdFed shows ads.

### Which is updated more often, Capital One Mobile or EdFed?

Capital One Mobile ships an update fortnightly, and EdFed monthly. Most recently, Capital One Mobile was updated on September 25, 2026 and EdFed on September 21, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*