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Updated September 28, 2026 · VaultCue Editorial Team

Empower Personal Dashboard vs Finom

Empower Personal Dashboard scores 9.0 and Finom 8.9 out of 10. Compare their differences and shared features below.
Empower Personal Dashboard

Empower Personal Dashboard

Higher score in this comparison

9.0/10
Visit
Finom

Finom

8.9/10
Visit

Empower Personal Dashboard vs Finom: the differences

Empower Personal Dashboard vs Finom
CompareEmpower Personal DashboardEmpower Personal DashboardReviewVisitVisitFinomFinomReviewVisitVisit
Headline rate3.5%5%Higher
Rate typeVariableFixed
Minimum deposit$0€0
Deposit protectionFDIC up to USD 250,000EU DGS up to EUR 100,000
Access termsEasy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile appInstant access, withdraw at any time with no withdrawal penalties
Monthly fee$0€0

Same on both: 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 Empower Personal Dashboard: 2014 vs 2019.
  • Finom is licensed in 1 more country.
  • Finom is available in 10 more countries.
  • Headline rate is higher at Finom: 5% vs 3.5%.
  • Support channels: only Empower Personal Dashboard offers Phone.
  • Support channels: only Finom offers Chat, Community.
  • Pricing model: only Finom offers Fixed rate.

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.

Read the full Empower Personal Dashboard review

Finom

Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.

Read the full Finom review

Score breakdown

Empower Personal Dashboard vs Finom
AreaEmpower Personal DashboardFinom
Cost9.39.3Costs sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.
Offer9.29.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.
Trust8.5Higher8.2

Choosing between them

Pick Empower Personal Dashboard if trust matter most.

Pick Finom if offer and headline rate matter most.

Where each is licensed and available

Empower Personal Dashboard vs Finom
CountryEmpower Personal DashboardFinom
CyprusNot confirmed
NetherlandsNot confirmed
United StatesNot confirmed

Additional countries for Empower Personal Dashboard: 1. Additional countries for Finom: 11.

A third option

AU Small Finance Bank has headline rate at 6.75%, against 3.5% for Empower Personal Dashboard and 5% for Finom.

AU Small Finance Bank review

How they place

Empower Personal Dashboard vs Finom
RankingEmpower Personal DashboardFinom
Savings accounts24 of 14201 of 1420
Cash management accounts6 of 452 of 45

Every fact side by side

Empower Personal Dashboard vs Finom
FactEmpower Personal DashboardFinom
Pricing modelNo monthly feeNo monthly fee, Fixed rateCovers more
Legal entityEmpower Annuity Insurance Company of AmericaPNL Fintech B.V.
HeadquartersUnited StatesNetherlands
Founded2014Lower2019
Support channelsEmail, Phone, Help centreEmail, Chat, Help centre, Community

Everyday accounts

Empower Personal Dashboard vs Finom
FactEmpower Personal DashboardFinom
Currency conversion feeNot confirmed1%
CurrenciesNot confirmed17
AudienceNot confirmedBusiness, Freelancer
FeaturesNot confirmedFree ATM
Local account detailsNot confirmedIBAN
Free ATM withdrawalsNot confirmed€10,000
Transfer feeNot confirmedFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)

Where each stands against the rest

Empower Personal Dashboard vs Finom
FactEmpower Personal DashboardFinomMedian
Headline rate3.5%above the median5%above the median3.25%

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.

Finom

Pros

  • The minimum deposit is €0, so an account can be opened without a large opening balance.
  • The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
  • Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.

Cons

  • The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
  • The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
  • Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.

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.

Finom

Who it suits

  • Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
  • Small businesses paid in euros by clients abroad who want several currencies in one place.
  • Readers who want a set rate on working money rather than the highest variable rate on the table.

Who should look elsewhere

  • Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
  • Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
  • Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.

Current offers

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    Source, checked September 26, 2026

Country by country

Empower Personal Dashboard vs Finom
CountryEmpower Personal DashboardFinom
AustriaNoYes
BelgiumNoYes
CyprusNoYes
FranceNoYes
GermanyNoYes
IrelandNoYes
ItalyNoYes
NetherlandsNoYes

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.

Finom

What does it cost to keep a Finom account?+

The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.

Is my money protected if something goes wrong?+

Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.

Other options to compare

Other matchups

Empower Personal Dashboard

Visit

Finom

Visit