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.