Updated September 28, 2026 · SumCue Editorial Team
bunq Spain vs Empower Personal Dashboard
bunq Spain
Empower Personal Dashboard
Higher score in this comparison
What sets them apart
| Compare | bunq SpainReviewVisitVisit | Empower Personal DashboardReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 3.5%Higher |
| Minimum deposit | €10 | $0 |
| Deposit protection | EU DGS up to EUR 100,000 | FDIC up to USD 250,000 |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Easy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile app |
| Monthly fee | €0 | $0 |
| Account kind | Easy access | Cash management |
| Regulators | De Nederlandsche Bank, SIPC | Not confirmed |
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 bunq Spain: 2012 vs 2014.
- bunq Spain is available in 6 more countries.
- Headline rate is higher at Empower Personal Dashboard: 3.5% vs 3.01%.
- Support channels: only bunq Spain offers Chat.
- Support channels: only Empower Personal Dashboard offers Phone.
- Pricing model: only bunq Spain offers No monthly fee.
- Pricing model: only Empower Personal Dashboard offers Commission free, Low fees.
Our verdict on each
bunq Spain
bunq Spain is an app-led easy-access saver for people who want savings, card and markets in a single app, with no monthly charge and a variable rate of 3.01%. It suits students and multi-currency spenders, and less suited to anyone shopping only on the highest advertised rate.
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 | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Cost | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0. |
| Offer | 9.1HigherA variable 3.01% on easy-access money, plus multi currency, crypto and virtual card covering crypto, cards and travel in the same app. | 8.7 |
| Trust | 9.2Higher | 9.0 |
Where they rank in our lists
| Ranking | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Savings | 9 of 1492 | 18 of 1492 |
| Savings accounts | 6 of 658 | 11 of 658 |
| Investing | 11 of 654 | 22 of 654 |
| Stock and ETF brokers | 7 of 358 | 13 of 358 |
Choosing between them
Pick bunq Spain if offer matter most.
Pick Empower Personal Dashboard if headline rate matter most.
Every fact side by side
| Fact | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Pricing model | No monthly fee | Commission free, Low fees |
| Legal entity | bunq B.V. | Empower Advisory Group, LLC |
| Headquarters | Netherlands | United States |
| Founded | 2012Lower | 2014 |
| Support channels | Email, Chat, Help centre | Email, Phone, Help centre |
Brokers
| Fact | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Stock trade fee | Not confirmed | $0 |
| Account fee | Not confirmed | $0 |
| Markets | Stocks, ETFs, Crypto | Stocks, ETFs, Funds |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Features | Multi currency, Crypto, Virtual card, Travel | Mobile app |
| Audience | Student | Not confirmed |
| Currency conversion fee | 0.5% to 3% | Not confirmed |
| Platforms | Bunq app | Not confirmed |
| Account types | Not confirmed | IRA |
Debit cards
| Fact | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Credit cards
| Fact | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Crypto exchanges
| Fact | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Taker fee | 0.25% to 1.99% | Not confirmed |
| Coins listed | from 350 | Not confirmed |
| Maker fee | 0.25% to 1.99% | Not confirmed |
| Exchange type | Cex | Not confirmed |
Personal insurance
| Fact | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Where each stands against the rest
| Fact | bunq Spain | Empower Personal Dashboard | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 3.5%above the median | 3.3% |
Median across 710 listed providers.
Pros and cons
bunq Spain
Pros
- A monthly fee of €0 and an annual fee of €0, so an easy-access balance can stay open without a charge.
- multi currency, crypto and virtual card puts multi-currency, crypto, a virtual card and travel features in the same app as the savings balance.
- Deposits sit under EU DGS up to EUR 100,000 and the Spanish account is supervised by Banco de España.
Cons
- The variable 3.01% sits below Starling Personal Account Debit Card at 4%, so the rate is not the reason to open it.
- Support runs on email, chat and help centre only, with no phone line, while 74.4% covers a large share of the savings market.
- The opening deposit of €10 sits above the €0.88 median minimum across savings accounts, which puts a floor under the first transfer.
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
bunq Spain
Who it suits
- Students and younger savers: student points at student accounts, and an app-led model suits building a balance as a habit.
- Savers who want spending and saving in one place: stocks, etfs and crypto covers stocks, ETFs and crypto, with multi currency, crypto and virtual card adding cards and travel perks.
- Households that spend across currencies, with 8 currencies supported and a conversion fee of 0.5% to 3%.
Who should look elsewhere
- Savers chasing the highest easy-access rate: Starling Personal Account Debit Card pays 4% against 3.01% here.
- Readers tempted by a far bigger advertised figure: Finteres quotes 0% to 36%, a much wider spread to shop around in.
- Anyone who wants a phone line rather than app support, since email, chat and help centre covers the help centre, email and chat only.
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 | bunq Spain | Empower Personal Dashboard |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
| United States | No | Yes |
Questions about each
bunq Spain
Is the interest rate fixed, or can it change?+
The rate is variable, so it can move with the provider rather than being locked to a term. It currently reads 3.01%, a shade above the 3% median across savings accounts. Anyone planning around a guaranteed figure for a set period should look elsewhere, because this account trades that certainty for easy access.
Is my money protected if the provider fails?+
Deposits sit under EU DGS up to EUR 100,000, and the Spanish operation is supervised by Banco de España. Read the figure as a ceiling rather than a target: any balance held above the stated amount has no cover from the scheme. Holding a workable amount elsewhere covers the rest without changing how this account works.
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.
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