Reviews of Capital on Tap

By: Capital On Tap

List of user reviews and ratings for Capital on Tap

Total ratings

4.71 (Rating count: 7,810)

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Review summary

Users praise Capital on Tap for its ease of use and quick onboarding, with strong notes about supporting small and minority-owned businesses and a generally reliable banking experience. The app is regarded as user-friendly, with features like virtual and physical cards and easy account linking. Common concerns revolve around clarity of transfer workflows and card/withdrawal interactions, occasional performance issues like reloading, and a few reports of mismatched transactions or perceived financial issues. Overall, it’s appreciated for simplicity and business-friendly features, but UX and clarity could improve.

Pros

Easy to use / user-friendly interface
Quick / easy application and onboarding
Supports business needs and helps build credit for small/minority-owned businesses
Reliable and generally positive banking experience with good app/features

Cons

Transfers/withdrawal flows and clarity are unclear or confusing (e.g., misapplied transactions, direct bank transfer loop)
App/site performance issues like reloading / not well designed at times
Reported issues with money/transactions perceived as fraudulent or incorrect
Duplication friction such as having to enter names twice

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User Reviews

Recent rating average: 4.00

All time rating average: 4.71

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19% (20)

Date	Author	Comment
2026-05-26	An*****	charged me .03 and have a minimum payment of 2.01
charged me .03 and have a minimum payment of 2.01
2026-05-24	Wa*****	it's first class
it's first class
2026-05-24	Do*****	Very good, no hidden fees.
Very good, no hidden fees.
2026-05-24	Sh*****	great to have option to transfer money from savings direct to credit card balance due.
great to have option to transfer money from savings direct to credit card balance due.
2026-05-20	Fa*****	good start
good start
2026-05-13	Ma*****	Extremely Easy to set up
Extremely Easy to set up
2026-05-12	Je*****	It's very nice
It's very nice
2026-05-12	Pa*****	Great card & account. It just works 😁
Great card & account. It just works 😁
2026-05-11	Do*****	Interest Rates are too high and keep going higher.
Interest Rates are too high and keep going higher.
2026-05-11	M *****	App is missing a search function for transactions. I would give the app 5 stars if this was introduced. You currently have to scroll through every single transaction or read through all statements to find an historic transaction. It would be much easier if you could enter the payees name and see all transactions to that individual/business.
App is missing a search function for transactions. I would give the app 5 stars if this was introduced. You currently have to scroll through every single transaction or read through all statements to find an historic transaction. It would be much easier if you could enter the payees name and see all transactions to that individual/business.