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Updated September 28, 2026 · VaultCue Editorial Team

Empower Personal Dashboard vs Qonto

Empower Personal Dashboard scores 9.0 and Qonto 8.7 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
Qonto

Qonto

8.7/10
Visit

Where Empower Personal Dashboard and Qonto differ

Empower Personal Dashboard vs Qonto
CompareEmpower Personal DashboardEmpower Personal DashboardReviewVisitVisitQontoQontoReviewVisitVisit
Headline rate3.5%Higher1.5%
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 to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month
Monthly fee$0€19

Same on both: Rate type (Variable), 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 8.7.
  • Founded is lower at Empower Personal Dashboard: 2014 vs 2017.
  • Qonto is available in 7 more countries.
  • Headline rate is higher at Empower Personal Dashboard: 3.5% vs 1.5%.
  • Support channels: only Qonto offers Chat.

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

Qonto

Qonto suits businesses and freelancers who want their day to day banking in one app and will not chase the highest rate. The monthly fee of €19 is the trade off, and the 1.5% headline rate ranks 350 of 473 brands.

Read the full Qonto review

Score breakdown

Empower Personal Dashboard vs Qonto
AreaEmpower Personal DashboardQonto
Cost9.3Higher8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0
Offer9.2Higher9.1Headline rate of 1.5% is variable and sits at 350 of 473
Trust8.5Higher8.3

How they place

Empower Personal Dashboard vs Qonto
RankingEmpower Personal DashboardQonto
Savings accounts24 of 14208 of 1420
Cash management accounts6 of 453 of 45

If neither fits

eToro has headline rate at 3.8%, against 3.5% for Empower Personal Dashboard and 1.5% for Qonto.

eToro review

Every fact side by side

Empower Personal Dashboard vs Qonto
FactEmpower Personal DashboardQonto
Pricing modelNo monthly feeNot confirmed
Legal entityEmpower Annuity Insurance Company of AmericaQONTO
HeadquartersUnited StatesFrance
Founded2014Lower2017
Support channelsEmail, Phone, Help centreChat, Phone, Email, Help centreCovers more

Everyday accounts

Empower Personal Dashboard vs Qonto
FactEmpower Personal DashboardQonto
Licence typeNot confirmedPayment institution
Currency conversion feeNot confirmed0.8% to 1.8%
CurrenciesNot confirmedfrom 30
AudienceNot confirmedBusiness, Freelancer
FeaturesNot confirmedDigital only
Local account detailsNot confirmedIBAN
Transfer feeNot confirmed30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)

Where each stands against the rest

Empower Personal Dashboard vs Qonto
FactEmpower Personal DashboardQontoMedian
Headline rate3.5%above the median1.5%lowest quarter3.25%

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.

Qonto

Pros

  • Minimum deposit of €0, so the account opens without tying up money
  • Support runs on chat, phone and email
  • Currency conversion of 0.8% to 1.8% suits frequent international invoicing

Cons

  • The monthly fee of €19 makes it expensive for anyone holding a small balance
  • The account is digital only, so there is no branch to visit
  • The 1.5% rate is only paid while the transaction condition is met

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.

Qonto

Who it suits

  • Freelancers and sole traders billing across borders
  • Small businesses paying and receiving in several currencies
  • Anyone who wants their accounts, cards and invoices in one app

Who should look elsewhere

  • Anyone saving mainly for yield, since the 1.5% rate is variable and ranks 350 of 473
  • People who want to hold a large balance while paying nothing, given the monthly fee of €19
  • Anyone who prefers a branch, as the account is digital only

Current offers

Qonto

Current offer

  • Bonus

    Up to 5% AER account remuneration for 2 months for new customers: 5% AER for 2 months, then 1.5% AER on the Smart plan

    New customers only, first 2 months of the contract, on plans Smart and above; requires at least 5 eligible payment transactions of at least 1 EUR per month; remuneration capped at 50,000 EUR on Smart and 100,000 EUR on Premium; Account Remuneration currently available in France, Spain, Italy and the Netherlands

    Source, checked September 26, 2026

  • Free trial

    1-month free trial on business account plans: 1 month free

    Offered on the Basic, Smart and Premium business account plans, prices excl. VAT

    Source, checked September 26, 2026

Country by country

Empower Personal Dashboard vs Qonto
CountryEmpower Personal DashboardQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
ItalyNoYes
NetherlandsNoYes
PortugalNoYes
SpainNoYes

8 of 9 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.

Qonto

How much does Qonto cost each month?+

The standard plan charges a monthly fee of €19. SEPA transfers are included up to a set monthly allowance, and each transfer beyond it carries a small fixed charge. Currency conversion adds 0.8% to 1.8% on converted payments.

Is there a minimum deposit to open a Qonto account?+

There is no minimum, and the stated minimum deposit is €0. The account can therefore be opened and funded with a small balance, which suits a new business or a first freelance invoice.

Other options to compare

Empower Personal Dashboard

Visit

Qonto

Visit