Wealthy PotSoFi vs Capital One 360 (2026)
SoFi is an all-in-one banking-and-investing app with a high APY tied to direct deposit; Capital One 360 is a high-yield online bank with the reassurance of physical Cafés and branches. Choose SoFi to bank and invest in one place, Capital One 360 if you want strong online savings from a big traditional bank.
By Wealthy Pot · Last updated September 2026
| Feature | SoFi | Capital One 360 |
|---|---|---|
| Type | Banking + investing | Online bank |
| Savings APY | 3.10% APY base with direct deposit (SoFi Plus up to 4.50% on the first $20k; promo through 12/31/26) | 3.00% APY (360 Performance Savings) |
| Monthly fee | $0 | $0 |
| Minimum deposit | $0 | $0 |
| Early direct deposit | Yes | Yes |
| ATM network | 55,000+ (Allpoint) | None on savings (move to 360 Checking for ATM access) |
| Best for | People who want high-yield banking plus investing and loans in one app | People who want a high-yield online bank with some physical Cafés and branches |
Where SoFi wins
- High savings APY with qualifying direct deposit
- No account fees
- Banking, investing, and loans in one app
- Early direct deposit and a solid app
Where Capital One 360 wins
- Strong savings APY with no fees
- Access to Capital One Cafés and a big ATM network
- Backed by a large, established bank
- Good mobile app
Which should you choose?
SoFi is an all-in-one banking-and-investing app with a high APY tied to direct deposit; Capital One 360 is a high-yield online bank with the reassurance of physical Cafés and branches. Choose SoFi to bank and invest in one place, Capital One 360 if you want strong online savings from a big traditional bank.
Compare these against every option in our neobanks comparison.
We summarize hands-on assessment, not user reviews. APYs and fees change often and are re-checked against each provider's official page. Many neobanks are fintechs whose banking is provided through partner banks. Some outbound links may be affiliate links — that never affects our comparisons. Nothing here is financial advice.