System design

Capital One System Design Questions

Every system design problem candidates reported at Capital One between September 2025 and September 2026, most-asked first. Each one links to a full solution. Tick them off as you go.

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I'm Alex. I'll pick one of these Capital One questions and interview you on it: scope, design, and deep dives.

7problems
8candidate reports
1asked more than once
11topics
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Topics

Design a geography-aware virtual card service
2 reports · last seen Feb 2026FintechPaymentsSecurity
Intermediate▶ Mock
Design Credit-Card Authorization, Limit Decisions, and Reporting
1 report · last seen Aug 2026FintechPaymentsReal-time
Advanced▶ Mock
Design a credit card portal
1 report · last seen Feb 2026FintechSecurityAPI Design
Beginner▶ Mock
Design a mobile banking app backend
1 report · last seen Feb 2026FintechSecurityPayments
Intermediate▶ Mock
Design a highly reliable account balance system
1 report · last seen Dec 2025FintechPaymentsDatabases
Intermediate▶ Mock
Design a cross-region event processing platform
1 report · last seen Dec 2025Event DrivenDistributed SystemsMessaging
Advanced▶ Mock
Threaded replies in a chat app (Slack/Teams)
1 report · last seen Nov 2025Real-timeMessagingDistributed Systems
Advanced+5▶ Mock

Duplicate reports of the same problem are merged and counted.

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Frequently Asked Questions

What system design questions does Capital One ask?

Candidates reported 7 distinct system design problems at Capital One between September 2025 and September 2026, including Design a geography-aware virtual card service, Design Credit-Card Authorization, Limit Decisions, and Reporting, Design a credit card portal.

How to prepare for Capital One system design interview?

Start with the Capital One problems reported most often, work through each full solution, then practice explaining a design end to end under time pressure in a mock interview.

What is the difference between HLD and LLD at Capital One?

HLD (High-Level Design) focuses on system architecture, scalability, and component interactions. LLD (Low-Level Design) dives into class diagrams, API contracts, and database schemas. Capital One tests both.