PenFed Mobile vs Capital One Mobile

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. [R12] PenFed Mobile 3/5 · US App difficult: I do not like the app because it is too difficult to locate what I need. I have to search all the time go locate the simplest things. Very frustrating
2. [R13] PenFed Mobile 1/5 · US Disappointing, not a user friendly or reliable bunch: Surprisingly, their system is relatively archaic and clunky. When calling in, they make it difficult to get to a human. And then most of them don’t know for sure how their system works, or why it does or doesn’t allow things. For example, when unable to make a credit card payment from the app as normal (regularly pay off the balance each month)
3. [R17] PenFed Mobile 5/5 · US Jeff: Great application-ease of use and very easy to navigate.
4. [R37] PenFed Mobile 1/5 · US hard to find options: hard to find basic functions
5. [R1] PenFed Mobile 2/5 · US Logging in with passkey is not working when I called the problem could not be fixed: Need to check out this issue
6. [R9] PenFed Mobile 3/5 · US DeAunf: I’ve always had problems trying to sign into my Pen Federal account on my phone I don’t know what the problem is, but it’s forever unsuccessful Ing to sign into this account by my app online with my cell phones over the years. I think I’ve had this Account for quite a while, but I’ve never been able to use it appropriately to sign in on a transfer funds on the connect my bank at Navy Feder
7. [R22] PenFed Mobile 1/5 · US Laggy: I’ve been getting tired of “too many attempts”, it’s too laggy
8. [R24] PenFed Mobile 3/5 · US Need to approve: I absolutely love PenFed. Their point system is nice and the people I talk to are extremely pleasant however what needs to be improved is so that I don’t have to call every three Months, they need to put the amount of rewards points on the statements. Secondly, logging into the app is difficult from time to time because sometimes the face identification works, and sometimes it doe
9. [R6] PenFed Mobile 3/5 · US Scan Check issue: Scanning a check is not always successful. It scanned the front of the truck as both the front and the back. I don’t see a way to edit the back so I have to start again
10. [R7] PenFed Mobile 2/5 · US UPDATE has made capturing checks worse: The auto capture tool for checks was working fine before. Before, You’d set the front of your check. Auto Capture it. Great. Then It’d take you back out of auto capture, you flip your check to its back , you click on back option . Auto capture. And done. Worked great! BUT Now, -it makes you do it “all at once” and too fast. If you are not fast enough turning
11. [R10] PenFed Mobile 2/5 · US Mobile check deposit auto capture doesn’t allow retaking of photos: When using auto capture to photo checks, there is not apparent option to retake photos if necessary.
12. [R33] PenFed Mobile 1/5 · US This is not a credit union it’s a joke: Mobile deposit doesn’t work despite having an account since 2017. I tried for the first time to use mobile deposits and I was told that my account is in eligible. I called Support multiple times and yet nobody can tell me why mobile deposit doesn’t work. This is a garbage credit union. This may as well be an online bank. It’s not a real bank. Once I finall
13. [R3] PenFed Mobile 3/5 · US Not easy to pay last statement balance: When you go to make a payment, it only gives you the current account balance. You have to go and open the last statement to see what that amount is, then come back and enter that amount as your payment.
14. [R4] PenFed Mobile 1/5 · US Bill pay system not working: Why is the bill pay system inoperative
15. [R18] PenFed Mobile 3/5 · US Transfer: Takes way to long to transferred money go into account
16. [R25] PenFed Mobile 1/5 · US The bill pay views suck: No thanks to PenFed for fixing what wasn’t broken. I cannot get a read on all the bills to be paid this month.
17. [R2] PenFed Mobile 5/5 · US Great Credit Union: It doesn’t matter online or in person PenFed always delivers the best service and quality.
18. [R5] PenFed Mobile 5/5 · US Excelente servicio: Muy efectivo
19. [R19] PenFed Mobile 1/5 · US Annoyed: I need to pay on my auto loan and wanted to move my autopay date to two days later. It’s been two months now and I still don’t have my autopay date set! I am so frustrated I don’t see why the customer service representatives cant set it up for me
20. [R28] PenFed Mobile 1/5 · US Lock unlock feature not working in app: The toggle button isn’t available to lock or unlock my card my card is locked so I can’t use it
21. [R45] PenFed Mobile 1/5 · US Run from this bank: Not sure if it’s just the worst app in the world or if it’s truly the worst bank. If you don’t use it constantly, your payment accounts go dormant, and you can’t pay from them and apparently now I can’t even change my address.
22. [R62] Capital One Mobile 5/5 · US Easy to use App: This app is user friendly. I enjoy being able to make payments and check my balance all in one place.
23. [R110] Capital One Mobile 5/5 · US I love it: I’ve had a great experience with Capital One. Their mobile app is easy to use, banking is convenient, and I appreciate how simple they make it to manage my accounts from anywhere. Customer service has always been helpful whenever I’ve needed assistance, and I like that many of their accounts have no unnecessary fees or minimums. The only thing I wish they would improve is having more ph
24. [R39] PenFed Mobile 1/5 · US Awful: Company has been informed that I have been getting a log in error for months and has failed to fix. Long hold times listening to the same awful song OVER and OVER and OVER. Confusing app, no feel good feelings here.
25. [R69] Capital One Mobile 3/5 · US Good for managing your account: The constantly bombard you with offers to spend more money..
26. [R81] Capital One Mobile 3/5 · US Too many popup ads: I really like the app and no fee structure for the bank accounts but in the past 4 years they have visibly added more aggressive marketing of new services and features, to the point it’s distasteful and I’m considering switching banks. Literally every time you open the app or navigate to a new page there are multiple popups, even if I click out of all of them they’ll just reapp
27. [R99] Capital One Mobile 2/5 · US So much garbage upsell: I would love to be able to open this app without being constantly bombarded with upsell. I do not want to install your browser shopping extension, I do not want to transfer a balance, I do not want a personal loan. Let me manage my accounts in peace.