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Experience the difference a Capital Bank business banker can make to your business and your bottom line.Consultative. Customized. Creative.Driven to create more value in your business.

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Total fees - 0.00 USD

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PARTNERS IN YOUR VISION

Morgan Capita is a financial institution built to align with your goals and values. We operate in the United Kingdom and are fully incorporated and authorized by the Prudential Regulation Authority, with additional oversight from the Financial Conduct Authority.

Established in 2003 through the merger of the UK branches of two long-standing banks—United Bank Limited and National Bank of Pakistan—our institution carries forward decades of trusted service dating back to the 1960s. Our core offerings include Retail Banking, Wholesale Banking, Treasury and Money Transmission services, as well as flexible financing solutions for businesses of all sizes.

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High-Yield Savings

Just as a slight increase in speed can shorten a long journey, choosing an account with a higher interest rate can accelerate your path toward financial goals—whether you're building savings, planning your next milestone, or strengthening your emergency fund.

Personal Banking

Manage your finances with confidence using essential digital banking tools designed to simplify your daily life.

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Business Banking

Great ideas spark success—our banking solutions help maximize cash flow and fuel the growth of your business.

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Loans & Mortgages

We are committed to helping you find the loan or mortgage that truly fits your needs and future plans.

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More Cash Back for Your Business

Earn a $500 welcome bonus, plus 1.5% unlimited cash back on every purchase your business makes.

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Bank with a no-fee checking account

No. Fees. Period. That means you won't be charged a fee on our checking account.
Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in our no-fee network.

Get paid early with direct deposit

Get your paycheck up to two days early when you set up direct deposit for your online checking account. Opens modal dialog
Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information.

Earn 1% back

ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd. Google, Google Pay, and Android are trademarks of Google LLC.

Opening an online bank account

1

Sign Up Your Account

Just give us a few basics (like address and Social Security number), and we’ll get the ball rolling for you.

2

Make a deposit

Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.

3

Confirm Account

Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.

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