Updated September 28, 2026 · SumCue Editorial Team
AU Small Finance Bank vs Empower Personal Dashboard
AU Small Finance Bank
Higher score in this comparison
Empower Personal Dashboard
What sets them apart
| Compare | AU Small Finance BankReviewVisitVisit | Empower Personal DashboardReviewVisitVisit |
|---|---|---|
| Headline rate | 6.75%Higher | 3.5% |
| Minimum deposit | ₹0 | $0 |
| Access terms | Zero balance account, monthly interest payouts, unlimited online payments (RTGS, NEFT, UPI, intra-bank transfer), RUPAY Platinum debit card, AU 0101 app and doorstep service | Easy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile app |
| Account kind | Easy access | Cash management |
| Term | 12 to 60 months | Not confirmed |
| Deposit protection | Not confirmed | FDIC up to USD 250,000 |
| Monthly fee | Not confirmed | $0 |
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
- Founded is lower at AU Small Finance Bank: 1996 vs 2014.
- Headline rate is higher at AU Small Finance Bank: 6.75% vs 3.5%.
- Support channels: only Empower Personal Dashboard offers Email.
- Pricing model: only AU Small Finance Bank offers Fixed rate.
- Pricing model: only Empower Personal Dashboard offers Commission free, Low fees.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank pays a headline rate of 6.75% on a variable-rate savings account and suits savers who want easy access to their money with a tiny minimum deposit. Support runs on phone and help centre, and the rate sits well above the site median of 3%.
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.
Score breakdown
| Area | AU Small Finance Bank | Empower Personal Dashboard |
|---|---|---|
| Cost | 9.5Borrowing runs to an APR of up to 30%, and a personal loan adds Up to 4% of approved loan amount, minimum INR 2,000. | 10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0. |
| Offer | 9.2HigherBeyond the rate, the offer includes a easy access account, monthly interest payouts, unlimited online payments and a doorstep service. | 8.7 |
| Trust | 9.2Higher | 9.0 |
The bill, worked out
10,000 saved for 12 months
AU Small Finance Bank
675
6.75% of 10,000
Empower Personal Dashboard
350
3.5% of 10,000
AU Small Finance Bank comes out 325 higher in this example.
Excludes monthly fee (not stated by AU Small Finance Bank). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | AU Small Finance Bank | Empower Personal Dashboard |
|---|---|---|
| Savings | 17 of 1492 | 18 of 1492 |
| Savings accounts | 10 of 658 | 11 of 658 |
Where these facts come from
AU Small Finance Bank
- au.bank.in: 11 facts, checked September 26, 2026
Empower Personal Dashboard
- empower.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | AU Small Finance Bank | Empower Personal Dashboard |
|---|---|---|
| Pricing model | Fixed rate | Commission free, Low fees |
| Legal entity | AU Small Finance Bank | Empower Advisory Group, LLC |
| Headquarters | India | United States |
| Founded | 1996Lower | 2014 |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Loans
| Fact | AU Small Finance Bank | Empower Personal Dashboard |
|---|---|---|
| APR | up to 30% | Not confirmed |
| Loan amount | ₹25,000 to ₹1,500,000 | Not confirmed |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | Not confirmed |
| Funding time | Within 24 hours | Not confirmed |
| Features | Same day funding | Mobile app |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | No | Not confirmed |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Not confirmed |
| Origination fee (%) | up to 4% | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Credit needed | Good | Not confirmed |
Credit cards
| Fact | AU Small Finance Bank | Empower Personal Dashboard |
|---|---|---|
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | AU Small Finance Bank | Empower Personal Dashboard |
|---|---|---|
| Purpose | Purchase, Remortgage, Home equity | Not confirmed |
Brokers
| Fact | AU Small Finance Bank | Empower Personal Dashboard |
|---|---|---|
| Stock trade fee | Not confirmed | $0 |
| Account fee | Not confirmed | $0 |
| Markets | Not confirmed | Stocks, ETFs, Funds |
| Account types | Not confirmed | IRA |
Where each stands against the rest
| Fact | AU Small Finance Bank | Empower Personal Dashboard | Median |
|---|---|---|---|
| Headline rate | 6.75%highest quarter | 3.5%above the median | 3.3% |
| Term | 12 to 60 monthsat the median | Not confirmed | 60 |
| Monthly fee | Not confirmed | $0at the median | $0 |
Median across 710 listed providers.
Pros and cons
AU Small Finance Bank
Pros
- Headline rate of 6.75% on a variable basis, well above the site median of 3%.
- Minimum deposit of INR 0 on a easy access account, ranked 1 of 379 on that measure.
- Support on phone and help centre, plus a doorstep service for account holders.
Cons
- Free early repayment: no, so settling a loan early comes with a cost.
- Support runs on phone and help centre only.
- A personal loan carries an origination fee of Up to 4% of approved loan amount, minimum INR 2,000.
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
AU Small Finance Bank
Who it suits
- Savers in IN who want a variable rate with easy access and monthly interest payouts.
- Borrowers with good credit who want to deal with the bank as a direct lender.
- People who prefer doorstep service and unlimited online payments alongside a debit card.
Who should look elsewhere
- bunq, whose savings interest is 3.01%, if that rate is enough for you.
- Wise, which pays 3.29% on savings, if you are weighing a lower headline rate.
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
| Country | AU Small Finance Bank | Empower Personal Dashboard |
|---|---|---|
| India | Yes | No |
| United States | No | Yes |
Questions about each
AU Small Finance Bank
What rate does AU Small Finance Bank pay on savings?+
The digital savings account pays a headline rate of 6.75% and the rate type is variable. Interest is credited every month, and the account is a easy access account, so your money stays reachable while it earns.
Is there a minimum deposit to open the account?+
The minimum deposit is INR 0, so the account can be opened without putting a large sum in. AU Small Finance Bank ranks 1 of 379 on this measure, which keeps it an easy account to start.
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
Other matchups
- Empower Personal Dashboard vs Airwallex
- Empower Personal Dashboard vs Betterment
- Empower Personal Dashboard vs Wealthfront
- Empower Personal Dashboard vs Wise
- Empower Personal Dashboard vs Insignis Cash
- Empower Personal Dashboard vs Ally Bank
- Empower Personal Dashboard vs Merrill Edge
- Empower Personal Dashboard vs XTB
- Empower Personal Dashboard vs Finom
- AU Small Finance Bank vs Sofkredit
- AU Small Finance Bank vs eToro
- Empower Personal Dashboard vs bunq Spain
- Empower Personal Dashboard vs Qonto
- AU Small Finance Bank vs Lendela
- AU Small Finance Bank vs CHECK24
- Empower Personal Dashboard vs J&T Direktbank
- AU Small Finance Bank vs Monzo
- AU Small Finance Bank vs LEND.ch
- AU Small Finance Bank vs Borrowell
- AU Small Finance Bank vs ICICI Bank
- AU Small Finance Bank vs CIMB Bank
- AU Small Finance Bank vs EstateGuru