Updated September 28, 2026 · VaultCue Editorial Team
Empower Personal Dashboard vs KDI Save
Empower Personal Dashboard
Higher score in this comparison
KDI Save
Where Empower Personal Dashboard and KDI Save differ
| Compare | Empower Personal DashboardReviewVisitVisit | KDI SaveReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.5% | 2.88% to 3.88%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | $0 | MYR 100 |
| Access terms | Easy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile app | No lock-in, withdraw anytime without charges, credited in 1-2 working days, daily returns |
| Monthly fee | $0 | MYR 0 |
| Deposit protection | FDIC up to USD 250,000 | Not confirmed |
Same on both: Account kind (Cash management).
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Key differences
- Headline rate is higher at KDI Save: 2.88% to 3.88% vs 3.5%.
- Support channels: only KDI Save offers Community.
- Pricing model: only KDI Save 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.
KDI Save
KDI Save suits savers in Malaysia who want a cash management balance that pays a fixed return with no lock-in. Its overall score of 3.9 reflects a straightforward account from Kenanga Investment Bank Berhad, with support over email, phone and help centre and a MYR 100 opening deposit.
Score breakdown
| Area | Empower Personal Dashboard | KDI Save |
|---|---|---|
| Cost | 9.3Higher | 8.8Cost stays low: the monthly fee is MYR 0 and the account pays a fixed rate of 2.88% to 3.88%. |
| Offer | 9.2 | 9.3Higher |
| Trust | 8.5 | Not confirmed |
Licences and countries
| Country | Empower Personal Dashboard | KDI Save |
|---|---|---|
| Malaysia | Not confirmed | Securities Commission of Malaysia eCMSL/A0008/2007 |
| United States | Not confirmed |
Additional countries for Empower Personal Dashboard: 1. Additional countries for KDI Save: 1.
Which one suits you
Pick Empower Personal Dashboard if cost matter most.
Pick KDI Save if headline rate matter most.
How they place
| Ranking | Empower Personal Dashboard | KDI Save |
|---|---|---|
| Savings accounts | 24 of 1420 | 341 of 1420 |
| Cash management accounts | 6 of 45 | 14 of 45 |
Every fact side by side
| Fact | Empower Personal Dashboard | KDI Save |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Fixed rateCovers more |
| Legal entity | Empower Annuity Insurance Company of America | Kenanga Investment Bank Berhad |
| Headquarters | United States | Malaysia |
| Founded | 2014 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Empower Personal Dashboard | KDI Save | Median |
|---|---|---|---|
| Headline rate | 3.5%above the median | 2.88% to 3.88%above the median | 3.25% |
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.
KDI Save
Pros
- No lock-in, so you can withdraw at any time without charges, with returns credited daily
- A MYR 100 minimum deposit keeps the entry point modest
- Licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007 and run by Kenanga Investment Bank Berhad
Cons
- The MYR 100 opening deposit sits well above the €0.17 minimum across savings accounts
- The fixed rate holds the return in place rather than following the variable rates common among cash management accounts
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.
KDI Save
Who it suits
- Savers in Malaysia who want a fixed return on cash they can reach at any time
- People who can start with a MYR 100 opening deposit and let the balance earn daily
- Customers who want support over email, phone and help centre and a named bank behind the balance
Who should look elsewhere
- AXI Card Tarjeta y Credito, listed at 21.59%, for readers shopping purely on the top rate
- PayPal Colombia at 3.3%, for anyone who wants a higher headline return than the 2.88% to 3.88% range here
- Plazo ES at 24.19%, for readers who want the highest headline rate on the list rather than a bank cash-management balance
Current offers
KDI Save
Current offer
Bonus
KDI Save promotional interest rate tiers effective 16 June 2026: 3.88% p.a. (Tier 1), 3.38% p.a. (Tier 2), base 2.88% p.a.
Requires maintaining minimum KDI Invest balance of RM5,000 (Tier 1) or RM50,000 (Tier 2); otherwise base tier 2.88% p.a. applies
Source, checked September 26, 2026
Country by country
| Country | Empower Personal Dashboard | KDI Save |
|---|---|---|
| Malaysia | No | Yes |
| United States | Yes | No |
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.
KDI Save
Does KDI Save charge a monthly fee?+
The monthly fee is MYR 0, and the account is sold on a no monthly fee model, so there is nothing to pay each month for keeping the balance open. Nothing in the access terms adds a charge for taking the money out either.
Who regulates KDI Save?+
The account is licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007, and it is operated by Kenanga Investment Bank Berhad, a Malaysian bank. Keep the licence reference handy for your own records when you open the account.
Other options to compare
Other matchups
Related by the facts
Empower Personal Dashboard
KDI Save