BMO Alto vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | Capital One360 Performance Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 3.40% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$170 $10,000+$340 $25,000+$850 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing BMO Alto vs. Capital One
As of BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to Capital One's 3.40% APY for its 360 Performance Savings account, with a minimum balance of $0.
Capital One pays $15 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while Capital One pays $340 - an APY advantage for Capital One.
Why BMO Alto?
No distinct advantages found vs Capital One.
Why Capital One?
- ✓Higher potential APY (3.40% vs 3.25%) on all balances
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.5 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
— Key Feature Differences —
Better Returns at $10,000
Capital OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $340 vs $325/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 vs $813/yr).
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $15 more interest on a $10,000 balance than BMO Alto's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Capital One offers a competitive 360 Performance Savings account with an APY of 3.40%, making it the winner in this comparison. This account allows for monthly compounding and has no minimum deposit or maintenance fees. In contrast, BMO Alto's Savings Account provides a slightly lower APY of 3.25% with daily compounding. Both accounts are online-only and do not require direct deposit, making them accessible for anyone looking to save. Capital One also boasts a better mobile app experience, enhancing user convenience.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BMO Alto vs. Capital One Savings Calculator
You earn $15 more with Capital One than BMO Alto on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
BMO Alto
Savings Account
Savings Breakdown
- Interest Earned+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | Capital One |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 3.40% Verified: 1/7/2026 Stable (90d) |
| Product Name | Savings Account | 360 Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | iOS4.9 Android4.5 |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at BMO Alto Non-sponsored link to official site | Visit SiteVerify at Capital One Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | Capital One |
|---|---|---|
| Savings Account | 360 Performance Savings | |
Current APY | 3.25% | 3.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.6 | -3.3 |
Days Since Change | 110 | 98 |
11-Month High | 4.10% | 3.80% |
11-Month Low | 3.25% | 3.40% |
Adjustments / Mo | 0.43 | 0.34 |
Volatility Score | 0.070 | 0.034 |
How to read these metrics(Click to expand)
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