Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Bank of America Mobile Banking vs Capital One Mobile

Bank of America Mobile Banking 4.8★ · Free to download 65
Winner Capital One Mobile
Capital One Mobile 4.8★ · Free to download 75

Capital One Mobile has a slight edge over Bank of America Mobile Banking due to fewer critical app functionality issues and generally more positive sentiment regarding customer service, despite both apps having common complaints about updates and marketing.

Full reviews: Bank of America Mobile Banking · Capital One Mobile

Both Bank of America Mobile Banking and Capital One Mobile have high lifetime ratings, but recent reviews indicate significant functionality issues for Bank of America users, including blank screens and login problems. Capital One Mobile users also experience bugs and frequent updates, but generally report better customer service and account management.

Head to head

Features & Functionality edge: Capital One MobileR2R3R4R8
Bank of America Mobile Banking Bank of America users report significant issues with core functionalities, including blank screens after login R13R17, problems with FaceID R3R50, and inability to deposit checks . Some users find the app design outdated and clunky R4, with difficulties in simple transactions like paying credit cards R2R4R8 and performing outbound ACH transfers . Alerts are also reported as not working correctly within the app R20R28.
Capital One Mobile Capital One users experience issues with payments being denied or taking too long to process and reflect in their account . Some report money not coming off their card after paying . A notable complaint is the lack of standard push or email alerts for savings account deposits and withdrawals R89. However, many users find the app easy, convenient, and safe to use .
Ease of Use & Reliability edge: Capital One MobileR1R3R7R13
Bank of America Mobile Banking Bank of America users frequently complain about being forced to update the app R1, which often leads to new issues like FaceID problems R3R50, login failures R7, or blank screens R13R17. The app is described as clunky, slow , and not user-friendly . Some users report the app consuming a significant amount of storage .
Capital One Mobile Capital One users also face frequent update requirements and report the app being buggy and unreliable, with crashes and freezing R64R73R82R119. Some find the navigation cumbersome . A specific issue mentioned is the app defaulting to Spanish despite phone settings being English . However, many users praise its ease of use and convenience .
Customer Service & Support edge: Capital One MobileR13R19R21R23
Bank of America Mobile Banking Bank of America receives numerous complaints about poor and unhelpful customer service, with users being bounced between phone and branch support R19R21R23R56. Support is described as dismissive and unable to resolve persistent app issues like blank screens R13.
Capital One Mobile Capital One generally receives positive feedback for its customer service, with users reporting helpful and responsive support for problems . However, some users report issues with referral bonuses not being credited and difficulty finding a phone number to report a stolen card .
Price & Value tieR6R16R19R47
Bank of America Mobile Banking Bank of America users express frustration with account closures without clear reasons R19R47 and allegations of money being stolen or locked R6R56. Some find the new rewards feature less user-friendly R16.
Capital One Mobile Capital One users complain about high interest rates and being charged without notice . There are also reports of checks being held for extended periods and inflexibility on credit terms . Conversely, many appreciate the no-fee structure for bank accounts and the savings benefits of their credit cards .
Pick Bank of America Mobile Banking if

You are an existing Bank of America customer who has not experienced the recent critical app bugs and values a wide range of features, potentially including a decent chatbot .

Pick Capital One Mobile if

You prioritize reliable customer service and generally find banking apps easy to use, even if you might encounter occasional bugs or marketing pop-ups .

Evidence note: Both apps have a high lifetime rating, but a significant portion of recent negative reviews for Bank of America Mobile Banking focuses on critical app functionality issues (blank screens, login failures) that make the app unusable for some, which is not as prevalent in Capital One Mobile reviews. The free-to-download nature of both means all users, regardless of payment, are included in the reviews.

Frequently asked

Does Bank of America Mobile Banking have issues with FaceID?
Yes, Bank of America Mobile Banking users frequently report issues with FaceID, requiring them to reset their password or re-enroll weekly R3R17R50.
Are there problems with Capital One Mobile crashing?
Yes, Capital One Mobile users report that the app is buggy, crashes frequently, is slow to load, or lags, sometimes making it inaccessible R64R73R82R119.
Do either of these apps have problems with alerts?
Bank of America Mobile Banking users report issues with charge card alerts not downloading inside the app and alerts showing technical problems R20R28. Capital One Mobile users specifically complain about the lack of standard push or email alerts for savings account deposits and withdrawals R89.
Is customer service good for Bank of America or Capital One?
Capital One generally receives positive feedback for its helpful and responsive customer service , while Bank of America receives numerous complaints about poor, unhelpful, and dismissive support R19R21R23R56.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] Bank of America Mobile Banking 5/5 · US Worst update of all time.: This is the worst update ever. It’s hard to make a simple transaction now.
  2. [R3] Bank of America Mobile Banking 3/5 · US PITA: Every update messes up my app, now it won’t let me use FaceID and keeps trying to have me reset my password. It’s a hassle every time I try and open it.
  3. [R4] Bank of America Mobile Banking 1/5 · US Very dumb bank app: I have used BOfA for about 15 years, and with digital world BOfA is the least preferred bank for me. Let me start with a poor and useless app design. The app design is a dinosaur, it is comparable to Windows XP, but with much less functionality. You cannot even pay your credit card using button “PAY”, you need to make a transfer from checking to credit. Also, one of the slowest
  4. [R8] Bank of America Mobile Banking 4/5 · US Good but needs update: Look at Chase, they make it easy to jump around from account to account, without having to press multiple buttons. And paying a CC now takes too many steps and “saves.”
  5. [R1] Bank of America Mobile Banking 1/5 · US Forced to update: Really annoying that I can’t use the app unless I update it every single time there’s an update. I shouldn’t have to update it for a MINOR bug fix.
  6. [R7] Bank of America Mobile Banking 1/5 · US Can’t sign in: Ever since the last update, I cannot sign into the app
  7. [R13] Bank of America Mobile Banking 1/5 · US Blank screen after logging in: I have been experiencing a blank screen when I log into the mobile app in my iPhone 17, running the latest IOS. This has been going on for months. BofA support basically told me to uninstall the app, restart my iPhone and then reinstall the app. I’ve done this multiple times and it works for a while and then back to a blank screen upon logging in. It’s disgraceful fo
  8. [R19] Bank of America Mobile Banking 1/5 · US WORST COMPANY: I been with Bank of America of 7 years and cause of something didn’t commit too. They closed all my accounts. Making me hop from one call to another for no answers. Then making me wait for 2 hours to just tell me that my account is closed. What type of service do you really be doing?
  9. [R21] Bank of America Mobile Banking 1/5 · US Horrendous: It should be illegal how awful the customer support chat is remarkable a team could actually put something awful out in the world
  10. [R23] Bank of America Mobile Banking 1/5 · US PÉSIMO: Banco malísimo no lo recomiendo ni como última opción, que problema para que le resuelvan una inquietud o problema al cliente. Programe una llamada, me llaman para hacerme esperar 1 hora jajaja q fiasco
  11. [R6] Bank of America Mobile Banking 3/5 · US Developer / software / firmware programming / bugged phone & hacking & alterations / malicious apps: Any help for futuristic prevention of these kinds of issues would be extremely appreciated. I’ve also had slight alterations of money in the account disappear instantaneously and none of this to this extent should even or ever be happening to just one person let alone god only knows how many. Hope
  12. [R16] Bank of America Mobile Banking 4/5 · US BOA new rewards 👎🏻: The app itself is good. Does mostly what I expect it to. I just don’t like the new rewards feature. It’s not as user friendly as the old one and I can’t even see all the deals. Screen clocks for a bit then returns an error “session expired”. What am I supposed to do with that?
  13. [R47] Bank of America Mobile Banking 1/5 · US Terrible Bank: After filling in my information and made my online id, I waited for my card to come in, as soon as I got my card in the mail, they closed my account and can’t login into my account, seriously? You guys couldn’t wait till I got paid to put the money in my account? I’ll never do business with Bank Of America again
  14. [R17] Bank of America Mobile Banking 1/5 · US Soo frustrating: 80% of the time I login to my account to a blank screen. Something is wrong with the FaceID and login process
  15. [R50] Bank of America Mobile Banking 2/5 · US Face id keeps breaking: It just keeps forcing me to re-enroll like every week :(
  16. [R64] Capital One Mobile 1/5 · US Horrible, buggy app: Capital One is too big of a company and in way too many people’s business to have an app this buggy and unreliable.
  17. [R73] Capital One Mobile 2/5 · US Buggy and poor design: I can’t authorize my card because capital requires thru their app that I still can’t properly access due to it crashing and freezing. I’be reloaded rebooted etc. Nothing works
  18. [R82] Capital One Mobile 1/5 · US Always crashing: App always crashes after a bit, is slow to load or laggy. Please fix
  19. [R119] Capital One Mobile 1/5 · US “We hit a snag”: I can’t imagine a worse app. Whenever I need this I get hit with an error on the splash page saying “we hit a snag” and with no way to access my app. I have tried updating, quitting and restarting… sometimes it just isn’t working. This is a real problem. I estimate the app works 10% of the time. I have been hit with late fees multiple times because of this. Buyer beware. I am
  20. [R20] Bank of America Mobile Banking 4/5 · US Very good: I only have one issue. The app is not downloading charge card alerts inside the app. I have like 125 alerts that are not available although the number is displayed. When I go to see the alerts, it tells the information is not available, try again later. This has been on going for at least a couple of months. I am getting the alerts in my messages and email and on my iPhone screen.
  21. [R28] Bank of America Mobile Banking 5/5 · US Push Notifications: The app is filling up with push notifications but the Alerts in the Inbox show an error ("We are having a technical problem"). It's happened since the last update.
  22. [R89] Capital One Mobile 1/5 · US No Push/Email Saving Alerts: This app only deserves ONE STAR because what company that provides financial services doesn't have a standard alert feature to receive push or even an email alert for deposits and withdrawals for saving accounts. This should be standard protocol. So, someone could literally wipe your account clean and you discover it the day you choose to check your account. And the st
  23. [R56] Bank of America Mobile Banking 1/5 · US Fraudulent Bank: Genuinely just fraudulent. I had $8,000 usd in my balance, they locked my account with no help, or reason. When I call, they say they can’t help and to go to a branch. When I go to a branch, they say I must do it online.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store