Updated October 17, 2026 · VaultCue Editorial Team
Empower Personal Dashboard vs eToro
Empower Personal Dashboard
Higher score in this comparison
eToro
Empower Personal Dashboard vs eToro: the differences
| Compare | Empower Personal DashboardReviewVisitVisit | eToroReviewVisitVisit |
|---|---|---|
| Headline rate | 3.5% | 3.8%Higher |
| Minimum deposit | $0Lower | $1 to $10,000 |
| Deposit protection | FDIC up to USD 250,000 | EU DGS up to EUR 100,000 |
| Access terms | Easy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile app | Interest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthly |
Same on both: Rate type (Variable), Monthly fee ($0), Account kind (Cash management).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Empower Personal Dashboard scores higher overall: 9.0 vs 8.9.
- Founded is lower at eToro: 2007 vs 2014.
- eToro is licensed in 6 more countries.
- eToro is available in 11 more countries.
- Minimum deposit is lower at Empower Personal Dashboard: $0 vs $1 to $10,000.
- Headline rate is higher at eToro: 3.8% vs 3.5%.
- Support channels: only Empower Personal Dashboard offers Email, Phone.
Our verdict on each
Empower Personal Dashboard
Empower Personal Dashboard is a cash-management account for US savers who want their money reachable like a current account while it still earns interest. It pays a variable rate of 3.5%, takes a $0 minimum, and keeps the balance covered by FDIC up to USD 250,000.
eToro
The retained provider fee page attributes the UK GBP account to eToro Money UK Ltd.
Score breakdown
| Area | Empower Personal Dashboard | eToro |
|---|---|---|
| Cost | 9.3Higher | 9.0 |
| Offer | 9.2Higher | 8.7 |
| Trust | 8.5 | 9.0Higher |
Cost in a real example
10,000 saved for 12 months
Empower Personal Dashboard
$350
3.5% of 10,000 - 12 × $0
eToro
$380
3.8% of 10,000 - 12 × $0
eToro comes out $30 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Pick Empower Personal Dashboard if, pick eToro if
Pick Empower Personal Dashboard if cost, offer, and minimum deposit matter most.
Pick eToro if trust and headline rate matter most.
Where each is licensed and available
| Country | Empower Personal Dashboard | eToro |
|---|---|---|
| United States | SIPC SIPC member 70212 | |
| Australia | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 |
| Malta | Not confirmed | |
| Seychelles | Not confirmed | |
| United Arab Emirates | Not confirmed | |
| United Kingdom | Not confirmed |
Available in 1 country for both. Additional countries for eToro: 11.
How they place
| Ranking | Empower Personal Dashboard | eToro |
|---|---|---|
| Cash management accounts | 6 of 45 | 1 of 45 |
Every fact side by side
| Fact | Empower Personal Dashboard | eToro |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Empower Annuity Insurance Company of America | eToro (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | 2014 | 2007Lower |
| Support channels | Email, Phone, Help centreCovers more | Help centre |
Everyday accounts
| Fact | Empower Personal Dashboard | eToro |
|---|---|---|
| Currency conversion fee | Not confirmed | 0% |
| Currencies | Not confirmed | 5 |
| Features | Not confirmed | Free ATM |
| Free ATM withdrawals | Not confirmed | £2,000 to £10,000 |
| Transfer fee | Not confirmed | SEPA transfers in and out free; withdrawals from local currency account free, USD investment account $5 |
Where each stands against the rest
| Fact | Empower Personal Dashboard | eToro | Median |
|---|---|---|---|
| Headline rate | 3.5%above the median | 3.8%above the median | 3.25% |
| Minimum deposit | $0at the median | $1 to $10,000above the median | $0 |
| Monthly fee | $0at the median | $0at the median | $0 |
Median across 658 listed accounts.
Pros and cons
Empower Personal Dashboard
Pros
- Access is easy: deposits and withdrawals run through the Empower Dashboard on the website and in the mobile app, with no term to serve.
- Deposits are held by Empower Annuity Insurance Company of America and covered by FDIC up to USD 250,000.
- The provider has run since 2014 and is based in the United States.
Cons
- The variable rate type means the 3.5% headline can move, so nothing is locked in for a term.
- Support runs on email, phone and help centre, with no chat or community channel listed.
- Cash management is a narrow field at 4.1% of the site mix, and every brand in the 45 brand cash-management ranking is a payment institution.
eToro
Pros
- Access to shares, funds and crypto through one platform
- Fractional shares for smaller purchases in higher priced companies
- Data and analysis tools alongside views from the investor community
Cons
- Investment values can fall, so holdings may end below their starting value
- Copying other investors can bring risks that are hard to judge
Who each suits
Empower Personal Dashboard
Who it suits
- US households, since the provider is based in the United States and the money is held by Empower Annuity Insurance Company of America.
- Savers who want a working balance that still earns interest, with dashboard access rather than a term commitment.
- People comfortable watching a variable rate and reading the 3.5% figure before they commit.
Who should look elsewhere
- AXI Card Tarjeta y Credito, if its 21.59% headline rate on a credit product fits you better than a cash balance earning 3.5%.
- Plazo ES, which lists 24.19%, for anyone chasing the biggest headline figure rather than a savings balance.
- PayPal Colombia, whose 3.3% sits below the 3.5% paid here.
eToro
Who it suits
- Readers identifying the provider named for eToro’s UK GBP account.
Who should look elsewhere
- People who need savings protected from market moves
- Investors who prefer a single product with a fixed return
Country by country
| Country | Empower Personal Dashboard | eToro |
|---|---|---|
| Australia | No | Yes |
| Cyprus | No | Yes |
| Gibraltar | No | Yes |
| Guernsey | No | Yes |
| Isle of Man | No | Yes |
| Jersey | No | Yes |
| Malta | No | Yes |
| Seychelles | No | Yes |
8 of 12 countries where either is available.
Questions about each
Empower Personal Dashboard
What rate does the account pay?+
The account pays a variable rate, and the current headline figure is 3.5%. Because the rate type is variable, that number can rise or fall with market rates, so treat it as a starting point rather than a locked deal. The site median for headline rates is 3%.
Is there a monthly fee or a minimum deposit?+
The monthly fee is $0, the same as the site median of €0, and the minimum deposit is $0. On minimum deposit it ranks 1 of 370 brands, so a small balance is enough to open one.
eToro
What kinds of assets can investors reach?+
Investors can reach shares from many exchanges around the world, along with exchange traded funds and crypto assets. Fractional shares open higher priced companies to smaller purchases. Each holding can be sized around personal goals, with the data and analysis tools offering context for those choices.
Where does the company operate and who holds the accounts?+
The company serves a global community of investors across many markets. Its licences cover key markets, so the local status of an account depends on the country involved. Anyone thinking of investing should confirm which company entity holds their account before depositing money.
Other options to compare
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Related by the facts
- Skrill, also regulated by Financial Conduct Authority (FCA)
- Accounts with Cash management
- Accounts available in United States
- Airwallex, also regulated by Australian Securities and Investments Commission (ASIC)
- Accounts available in Australia
- Revolut UK, also regulated by Cyprus Securities and Exchange Commission (CySEC)