Capital One

Commercial bank · McLean, United States

Capital One is a US bank holding company built on credit cards, with 76,300 employees and total assets of $673.8 billion at 30 June 2026. It closed the $35 billion Discover acquisition on 18 May 2025 and bought the startup card and spend platform Brex for $5.15 billion in April 2026. Small businesses get Basic Checking at $15 a month (waived at a $2,000 balance) or Enhanced Checking at $35, both with unlimited digital transactions and online opening, served by roughly 300 branches in eight states. Its UK and Canadian units issue consumer credit cards only. The bank blocks crypto purchases on its cards and has no digital-asset product.

Legal name: Capital One Financial Corporation
Regulated by: Federal Reserve (US), OCC (US), CFPB (US)
Licence confirmed: yes, on a regulator's own list
Established: 1994
Website: www.capitalone.com

Scores, 0 to 10

8.0Business cards (Visa, Mastercard)

Spark Cash Plus has no foreign transaction fees, free employee cards and virtual card numbers with customizable spending limits. · source

7.5Startups & VC-backed companies

Brex, acquired for $5.15 billion in April 2026, built the combination of corporate cards, spend management and banking used by startups. · source

7.0United States

National bank with $484.3 billion in deposits, business checking that opens online, and about 300 branches concentrated in eight states. · source

6.5Financial strength & stability

Moody's confirmed the senior unsecured rating at Baa1 with a stable outlook after the Discover deal and CET1 was 13.7% at 30 June 2026. · source

6.0Fast digital onboarding

Capital One states small-business accounts can be opened online or with a representative, with EIN and formation documents. · source

5.5Lowest fees

Basic Checking is $15 a month, waived at a $2,000 average balance, with unlimited digital transactions and $5,000 of free monthly cash deposits. · source

5.0On-ramp: buy crypto with fiat

ACH and wire transfers from Capital One accounts to FinCEN-registered exchanges such as Kraken are reported to work, while credit card purchases at crypto exchanges have been blocked since February 2018 and debit card purchases are also declined; the evidence comes from 2026 retail guides, not a published business policy. · source

4.5Fintech companies that need a partner bank

Capital One bought fintech Brex in April 2026 but publishes no sponsor-bank, BaaS or safeguarding program for third-party payment firms. · source

4.5Online businesses: e-commerce and SaaS

Business checking supports card and ACH flows, but Capital One does not run its own merchant acquiring for online sellers. Business checking opens online in about 15 minutes, but the FAQ lists no accounting integrations or API. · source

4.0Customer satisfaction

Trustpilot 1.2 from 4,195 reviews against an Apple App Store rating of 4.9 and Google Play 4.5. · source

3.5Cross-border payments, FX and multi-currency accounts

Outgoing international wires cost $40 in foreign currency or $50 in USD with no multi-currency account and no published FX margin. Commercial banking offers treasury services in USD only; there is no multi-currency account or cash pooling abroad. · source

3.5Best interest on business balances

The Basic and Enhanced Checking fee schedules list no interest, and the bank froze legacy 360 Savings at 0.3% while paying up to 4.35% on a newer product. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

Capital One publishes no prohibited-industries list on its business banking pages. · source

3.0Foreign-owned & non-resident companies

Applicants must be legal U.S. residents with an SSN or ITIN and a U.S. business address that is not a P.O. box. · source

3.0Stablecoins (USDC, USDT and others)

Capital One is one of 21 institutions that committed on 1 September 2026 to form a company to issue a USD stablecoin in the first half of 2027, and its subsidiary Brex has a USDC send and receive feature for business accounts on a waitlist; nothing is generally available to clients yet. · source

2.0Trade, manufacturing & import-export

No letters of credit, documentary collections or supply-chain finance products are listed for business clients. · source

2.0Accept crypto payments

Capital One's small business merchant services run on Worldpay with no crypto option; its subsidiary Brex announced in September 2025 that business accounts would accept USDC with automatic conversion to USD, but its stablecoin page still shows a waitlist in September 2026. · source

1.5Crypto-friendly bank

Capital One blocks card purchases of cryptocurrency and publishes no path for onboarding crypto businesses. · source

1.0Crypto wallet and custody for a business

Capital One has no crypto custody or wallet on either its retail or commercial side, per an April 2026 guide, and Brex, which it bought on 7 April 2026, holds no crypto for clients either, checked September 2026. · source

1.0Bitcoin

Capital One does not sell bitcoin and, per the April 2026 guide, does not offer spot bitcoin ETF brokerage through Capital One Investing, checked September 2026. · source

1.0Ethereum

Capital One offers no ether trading, custody, staking or ether funds to business clients, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.