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Updated September 28, 2026 · SumCue Editorial Team

Airwallex vs Empower Personal Dashboard

Airwallex scores 9.0 and Empower Personal Dashboard 9.3 out of 10. Compare their differences and shared features below.
Airwallex

Airwallex

9.0/10
Visit
Empower Personal Dashboard

Empower Personal Dashboard

Higher score in this comparison

9.3/10
Visit

What sets them apart

Airwallex vs Empower Personal Dashboard
CompareAirwallexAirwallexReviewVisitVisitEmpower Personal DashboardEmpower Personal DashboardReviewVisitVisit
Headline rate2.18% to 3.83%Higher3.5%
Minimum depositHK$0$0
Deposit protectionFSCS up to GBP 85,000FDIC up to USD 250,000
Access termsAirwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business daysEasy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile app
Monthly fee£0$0
Account kindEasy accessCash management

Same on both: Rate type (Variable).

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: 9.3 vs 9.0.
  • Founded is lower at Empower Personal Dashboard: 2014 vs 2015.
  • Airwallex is available in 16 more countries.
  • Headline rate is higher at Airwallex: 2.18% to 3.83% vs 3.5%.
  • Support channels: only Airwallex offers Chat.
  • Support channels: only Empower Personal Dashboard offers Email.

Our verdict on each

Airwallex

Airwallex suits businesses that collect and pay in several currencies and want a card on the same balance. The account is a easy access one with a monthly fee of £0, and spare cash earns 2.18% to 3.83% while a debit card handles day to day spend.

Read the full Airwallex review

Empower Personal Dashboard

Empower Personal Dashboard suits US households that want cash and investments in one place, paying a variable headline rate of 3.5% and asking for a minimum deposit of $0. Deposits sit under FDIC up to USD 250,000, and the dashboard moves money with the ease of a checking account.

Read the full Empower Personal Dashboard review

Score breakdown

Airwallex vs Empower Personal Dashboard
AreaAirwallexEmpower Personal Dashboard
Cost9.2A monthly fee of £0 leads the field, but the conversion fee of 0.5% sits well above Wise.10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0.
Offer9.4HigherCovers 20 currencies with a yield rate of 2.18% to 3.83% and help centre, phone and chat support.8.7
Trust8.59.0Higher

Where each is licensed and available

Airwallex vs Empower Personal Dashboard
CountryAirwallexEmpower Personal Dashboard
NetherlandsNot confirmed
SingaporeNot confirmed

Available in 1 country for both. Additional countries for Airwallex: 16.

Where they rank in our lists

Airwallex vs Empower Personal Dashboard
RankingAirwallexEmpower Personal Dashboard
Savings8 of 149218 of 1492
Savings accounts5 of 65811 of 658

A third option

XTB has headline rate at 4%, against 2.18% to 3.83% for Airwallex and 3.5% for Empower Personal Dashboard.

XTB review

Where these facts come from

Airwallex

  • airwallex.com: 6 facts, checked September 26, 2026
  • help.airwallex.com: 2 facts, checked September 26, 2026
  • recordowl.com: 1 fact, checked September 26, 2026
  • register.fca.org.uk: 1 fact, checked September 26, 2026
  • sgpbusiness.com: 1 fact, checked September 26, 2026

Empower Personal Dashboard

  • empower.com: 12 facts, checked September 26, 2026

Every fact side by side

Airwallex vs Empower Personal Dashboard
FactAirwallexEmpower Personal Dashboard
Pricing modelNot confirmedCommission free, Low fees
Legal entityAirwallex (Singapore) Pte. Ltd.Empower Advisory Group, LLC
HeadquartersSingaporeUnited States
Founded20152014Lower
Support channelsHelp centre, Phone, ChatEmail, Phone, Help centre

Credit cards

Airwallex vs Empower Personal Dashboard
FactAirwallexEmpower Personal Dashboard
Currency conversion fee0.5%Not confirmed
FeaturesMulti currency, Virtual card, TravelMobile app
AudienceBusinessNot confirmed

Brokers

Airwallex vs Empower Personal Dashboard
FactAirwallexEmpower Personal Dashboard
Stock trade feeNot confirmed$0
Account feeNot confirmed$0
MarketsNot confirmedStocks, ETFs, Funds
Account typesNot confirmedIRA

Where each stands against the rest

Airwallex vs Empower Personal Dashboard
FactAirwallexEmpower Personal DashboardMedian
Headline rate2.18% to 3.83%above the median3.5%above the median3.3

Median across 710 listed providers.

Pros and cons

Airwallex

Pros

  • A monthly fee of £0 on the business account, with a conversion fee of 0.5% on currency changes.
  • The yield balance is easy access, takes a minimum deposit of HKD 0 and pays 2.18% to 3.83% on a variable rate.
  • A debit card on the visa network, plus virtual cards, with access to 20 currencies.

Cons

  • The conversion fee of 0.5% is well above Wise at 0.1%, which puts Airwallex at 116 of 258 on that measure.
  • The account is for business users, so personal savers have no product to open.
  • Money settles to and from the yield balance within a short settlement window, which can hold up a same-day supplier payment.

Empower Personal Dashboard

Pros

  • Support runs on email, phone and help centre, so help is a phone call or an email away.
  • The cash side sits under FDIC up to USD 250,000.
  • Access suits everyday money: deposits and withdrawals run through the dashboard itself.

Cons

  • The rate type is variable, so the 3.5% headline can move rather than being fixed for a term.
  • Markets are limited to stocks, etfs and funds, with no foreign exchange, crypto or bond trading listed.
  • Investing money carries risk: the share of retail accounts that lose money is 70.15%.

Who each suits

Airwallex

Who it suits

  • Companies paid in several currencies, since the account holds 20.
  • Firms that want a debit card and virtual cards for staff spending and subscriptions.
  • Businesses parking spare cash in a easy access yield balance paying 2.18% to 3.83%.

Who should look elsewhere

  • Anyone whose main spend is currency conversion, because Wise charges 0.1% against 0.5% here.
  • Personal savers, since the account is for business use and bunq offers a personal plan at €0 a month.
  • Borrowers rather than spenders, since Varo Believe Secured Credit Card is a credit card with a monthly fee of $0.

Empower Personal Dashboard

Who it suits

  • US households who want a cash balance alongside a ira account in one place.
  • Investors comfortable with a focused list of stocks, etfs and funds held in etf and cash.
  • People who value phone and email help, since support runs on email, phone and help centre.

Who should look elsewhere

  • Readers after a UK or European savings account: Empower is headquartered in the United States, and PiggyVest quotes its minimum investment as NGN 5,000 in another currency.
  • Anyone who wants a stated entry floor before investing: eToro asks $500 and Axos Invest $100, against $0 here.
  • People trading forex, crypto or bonds: the market list here is stocks, etfs and funds, so eToro or Axos Invest are the comparisons to read for wider classes.

Country by country

Airwallex vs Empower Personal Dashboard
CountryAirwallexEmpower Personal Dashboard
AustraliaYesNo
CanadaYesNo
ChinaYesNo
FranceYesNo
GermanyYesNo
Hong KongYesNo
IsraelYesNo
JapanYesNo

8 of 17 countries where either is available.

Questions about each

Airwallex

What does it cost to keep an Airwallex account?+

The business account carries a monthly fee of £0. Converting money costs 0.5%, which is the main charge to watch, and card spending earns cashback of 2%. The yield balance takes a minimum deposit of HKD 0.

Is my money protected?+

Deposit protection is FSCS up to GBP 85,000. The group also appears on the registers of the Monetary Authority of Singapore and De Nederlandsche Bank, and the legal entity named in the records is Airwallex (Singapore) Pte. Ltd..

Empower Personal Dashboard

What does Empower Personal Dashboard charge?+

None of the listed fees apply. The management fee is 0%, the account fee $0, the monthly fee $0 and a stock trade costs $0. The pricing model is commission free and low fees, so the charge does not scale with the size of the holding.

Is the money in my account protected?+

The cash side is covered by FDIC up to USD 250,000, which applies to deposits rather than investments. Anything in the investment account carries market risk, and across the site the share of retail accounts that lose money sits at 70.15%. Keep emergency cash in the deposit account.

Other options to compare

Airwallex

Visit

Empower Personal Dashboard

Visit