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Updated September 28, 2026 · SumCue Editorial Team

Empower Personal Dashboard vs Insignis Cash

Empower Personal Dashboard scores 9.3 and Insignis Cash 9.0 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
Insignis Cash

Insignis Cash

9.0/10
See alternatives

Empower Personal Dashboard vs Insignis Cash: the differences

Empower Personal Dashboard vs Insignis Cash
CompareEmpower Personal DashboardEmpower Personal DashboardReviewVisitVisitInsignis CashInsignis CashReviewSee alternativesSee alternatives
Headline rate3.5%4.4% to 4.61%Higher
Minimum deposit$0£0
Deposit protectionFDIC up to USD 250,000FSCS up to GBP 85,000
Access termsEasy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile appEasy access, notice and fixed-term deposits up to 5 years
TermNot confirmed6 to 60 months
Monthly fee$0Not confirmed

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: 9.3 vs 9.0.
  • Founded is lower at Empower Personal Dashboard: 2014 vs 2017.
  • Headline rate is higher at Insignis Cash: 4.4% to 4.61% vs 3.5%.
  • Pricing model: only Empower Personal Dashboard offers Commission free, Low fees.
  • Pricing model: only Insignis Cash offers 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

Insignis Cash

Insignis Cash pays a variable rate on a cash management account, with a headline rate of 4.4% to 4.61% and a minimum deposit of £0, so it suits anyone building a balance from a small starting point. The rate can move during a term, so anyone wanting a fixed headline should weigh the trade-off.

Read the full Insignis Cash review

Score breakdown

Empower Personal Dashboard vs Insignis Cash
AreaEmpower Personal DashboardInsignis Cash
Cost10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0.9.5A £0 minimum deposit and a variable headline rate of 4.4% to 4.61% make this a low cost place to park cash.
Offer8.79.2Higher
Trust9.0Higher8.4

Choosing between them

Pick Empower Personal Dashboard if cost and trust matter most.

Pick Insignis Cash if offer and headline rate matter most.

Also worth a look

Finom has headline rate at 5%, against 3.5% for Empower Personal Dashboard and 4.4% to 4.61% for Insignis Cash.

Finom review

Sources behind this comparison

Empower Personal Dashboard

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

Insignis Cash

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

How they place

Empower Personal Dashboard vs Insignis Cash
RankingEmpower Personal DashboardInsignis Cash
Savings18 of 1492444 of 1492
Savings accounts11 of 658294 of 658
Cash management accounts4 of 4614 of 46

Every fact side by side

Empower Personal Dashboard vs Insignis Cash
FactEmpower Personal DashboardInsignis Cash
Pricing modelCommission free, Low feesFixed rate
Legal entityEmpower Advisory Group, LLCInsignis Asset Management Limited
HeadquartersUnited StatesUnited Kingdom
Founded2014Lower2017
Support channelsEmail, Phone, Help centreEmail, Phone, Help centre

Brokers

Empower Personal Dashboard vs Insignis Cash
FactEmpower Personal DashboardInsignis Cash
Stock trade fee$0Not confirmed
Account fee$0Not confirmed
MarketsStocks, ETFs, FundsNot confirmed
FeaturesMobile appNot confirmed
Account typesIRANot confirmed

Where each stands against the rest

Empower Personal Dashboard vs Insignis Cash
FactEmpower Personal DashboardInsignis CashMedian
Headline rate3.5%above the median4.4% to 4.61%above the median3.3%
TermNot confirmed6 to 60 monthsat the median60
Monthly fee$0at the medianNot confirmed$0

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%.

Insignis Cash

Pros

  • Deposits are covered by the FSCS, with cover stated as FSCS up to GBP 85,000.
  • The headline rate of 4.4% to 4.61% sits above the 3% median across savings accounts on the site and the 3.46% median in the cash management ranking.
  • Terms run 6 to 60, so you can move between easy access and fixed deposits without changing provider.

Cons

  • The rate type is variable, so the 4.4% to 4.61% headline can move during a fixed term instead of being set at the start.
  • Support runs on email, phone and help centre only, with no live chat for quick questions.
  • Cash management is a small corner of the market at 3.8% of the brands on the site, against 75.2% for easy access, so there is less to compare.

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.

Insignis Cash

Who it suits

  • Anyone starting small, since the minimum deposit on the cash management account is £0
  • Savers who want a variable headline of 4.4% to 4.61% and the option to fix money for 6 to 60
  • People who want to reach help by phone or email through email, phone and help centre

Who should look elsewhere

  • bunq, whose headline rate is 3.01%, if a lower return on your money matters more than a term deposit
  • Wise, at 3.29%, if a multi-currency balance suits you better than a single UK deposit account

Country by country

Empower Personal Dashboard vs Insignis Cash
CountryEmpower Personal DashboardInsignis Cash
United KingdomNoYes
United StatesYesNo

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.

Insignis Cash

What rate does Insignis Cash pay on deposits?+

The headline rate is 4.4% to 4.61% and it is variable, so the figure moves with the market rather than being set for the whole term. The median savings headline on the site is 3%, so this sits in the upper part of the field. Compare it against bunq at 3.01% and Wise at 3.29% before you commit.

Is my money protected if the provider stops trading?+

Deposits are covered by the FSCS, and the provider states cover as FSCS up to GBP 85,000. The FSCS is the UK scheme behind eligible deposits, so money inside the stated limit is backed by the scheme. Anything held above that limit sits with the provider rather than the scheme, which matters more for larger balances.

Other options to compare

Empower Personal Dashboard

Visit

Insignis Cash

See alternatives