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Updated September 28, 2026 · SumCue Editorial Team

Empower Personal Dashboard vs Finom

Empower Personal Dashboard scores 9.3 and Finom 8.9 out of 10. Compare their differences and shared features below.
Empower Personal Dashboard

Empower Personal Dashboard

Higher score in this comparison

9.3/10
Visit
Finom

Finom

8.9/10
Visit

Empower Personal Dashboard vs Finom: the differences

Empower Personal Dashboard vs Finom
CompareEmpower Personal DashboardEmpower Personal DashboardReviewVisitVisitFinomFinomReviewVisitVisit
Headline rate3.5%5%Higher
Rate typeVariableFixed
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, withdraw at any time with no withdrawal penalties
Monthly fee$0€0

Same on both: 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: 9.3 vs 8.9.
  • Founded is lower at Empower Personal Dashboard: 2014 vs 2019.
  • Finom is available in 10 more countries.
  • Headline rate is higher at Finom: 5% vs 3.5%.
  • Support channels: only Empower Personal Dashboard offers Phone.
  • Support channels: only Finom offers Chat, Community.
  • Pricing model: only Empower Personal Dashboard offers Commission free, Low fees.
  • Pricing model: only Finom offers No monthly fee, Fixed rate.

Our verdict on each

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

Finom

Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.

Read the full Finom review

Score breakdown

Empower Personal Dashboard vs Finom
AreaEmpower Personal DashboardFinom
Cost10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0.9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0.
Offer8.79.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward.
Trust9.0Higher8.2

Where each is licensed and available

Empower Personal Dashboard vs Finom
CountryEmpower Personal DashboardFinom
CyprusNot confirmed
NetherlandsNot confirmed

Additional countries for Empower Personal Dashboard: 1. Additional countries for Finom: 11.

Where they rank in our lists

Empower Personal Dashboard vs Finom
RankingEmpower Personal DashboardFinom
Savings18 of 14923 of 1492
Cash management accounts4 of 461 of 46

What we checked

Empower Personal Dashboard

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

Finom

  • finom.co: 12 facts, checked September 26, 2026

Every fact side by side

Empower Personal Dashboard vs Finom
FactEmpower Personal DashboardFinom
Pricing modelCommission free, Low feesNo monthly fee, Fixed rate
Legal entityEmpower Advisory Group, LLCPNL Fintech B.V.
HeadquartersUnited StatesNetherlands
Founded2014Lower2019
Support channelsEmail, Phone, Help centreEmail, Chat, Help centre, Community

Brokers

Empower Personal Dashboard vs Finom
FactEmpower Personal DashboardFinom
Stock trade fee$0Not confirmed
Account fee$0Not confirmed
MarketsStocks, ETFs, FundsNot confirmed
FeaturesMobile appRewards
AudienceNot confirmedBusiness
Account typesIRANot confirmed

Credit cards

Empower Personal Dashboard vs Finom
FactEmpower Personal DashboardFinom
Rewards typeNot confirmedCashback
Rewards rateNot confirmedup to 3%

Where each stands against the rest

Empower Personal Dashboard vs Finom
FactEmpower Personal DashboardFinomMedian
Headline rate3.5%above the median5%above the median3.3%

Median across 710 listed providers.

Pros and cons

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%.

Finom

Pros

  • A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
  • The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
  • Instant access with no withdrawal penalties, so cash can move the same day it lands.

Cons

  • Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
  • The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
  • Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.

Who each suits

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.

Finom

Who it suits

  • Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
  • Business owners who care more about fees than flexibility, since the monthly charge is €0.
  • Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.

Who should look elsewhere

  • Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
  • Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
  • Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.

Current offers

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    Source, checked September 26, 2026

Country by country

Empower Personal Dashboard vs Finom
CountryEmpower Personal DashboardFinom
AustriaNoYes
BelgiumNoYes
CyprusNoYes
FranceNoYes
GermanyNoYes
IrelandNoYes
ItalyNoYes
NetherlandsNoYes

8 of 12 countries where either is available.

Questions about each

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.

Finom

What interest rate does Finom pay?+

Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.

Is there a monthly or annual fee?+

Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.

Other options to compare

Empower Personal Dashboard

Visit

Finom

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