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Updated September 28, 2026 · SumCue Editorial Team

Empower Personal Dashboard vs J&T Direktbank

Empower Personal Dashboard scores 9.3 and J&T Direktbank 9.3 out of 10. Compare their differences and shared features below.
Empower Personal Dashboard

Empower Personal Dashboard

Higher score in this comparison

9.3/10
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J&T Direktbank

J&T Direktbank

9.3/10
Visit

What sets them apart

Empower Personal Dashboard vs J&T Direktbank
CompareEmpower Personal DashboardEmpower Personal DashboardReviewVisitVisitJ&T DirektbankJ&T DirektbankReviewVisitVisit
Headline rate3.5%Higher2.25%
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 appDaily availability; interest paid monthly to the Tagesgeld account
Monthly fee$0€0
Account kindCash managementEasy access
RegulatorsNot confirmedBundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB)

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 J&T Direktbank: 1998 vs 2014.
  • J&T Direktbank is available in 1 more country.
  • Headline rate is higher at Empower Personal Dashboard: 3.5% vs 2.25%.
  • Support channels: only Empower Personal Dashboard offers Help centre.
  • Pricing model: only Empower Personal Dashboard offers Commission free, Low fees.
  • Pricing model: only J&T Direktbank offers No monthly fee.

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

J&T Direktbank

J&T Direktbank suits savers who want euro cash parked without paying a monthly charge, and who do not need to lock the money away. Its overnight account pays 2.25% at a variable rate, with an account fee of €0 and a minimum deposit of €0.

Read the full J&T Direktbank review

Score breakdown

Empower Personal Dashboard vs J&T Direktbank
AreaEmpower Personal DashboardJ&T Direktbank
Cost10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0.9.5
Offer8.78.8HigherAccount fee of €0 and a minimum deposit of €0 are the strong side, while 2.25% trails the site median of 3%.
Trust9.09.4Higher

Licences and countries

Empower Personal Dashboard vs J&T Direktbank
CountryEmpower Personal DashboardJ&T Direktbank
CzechiaNot confirmed
GermanyNot confirmed

Additional countries for Empower Personal Dashboard: 1. Additional countries for J&T Direktbank: 2.

If neither fits

XTB has headline rate at 4%, against 3.5% for Empower Personal Dashboard and 2.25% for J&T Direktbank.

XTB review

Where these facts come from

Empower Personal Dashboard

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

J&T Direktbank

  • jtdirektbank.de: 13 facts, checked September 26, 2026

How they place

Empower Personal Dashboard vs J&T Direktbank
RankingEmpower Personal DashboardJ&T Direktbank
Savings18 of 149219 of 1492
Savings accounts11 of 65812 of 658
Investing22 of 65423 of 654

Every fact side by side

Empower Personal Dashboard vs J&T Direktbank
FactEmpower Personal DashboardJ&T Direktbank
Pricing modelCommission free, Low feesNo monthly fee
Legal entityEmpower Advisory Group, LLCJ&T BANKA, a.s., Zweigniederlassung Deutschland
HeadquartersUnited StatesCzechia
Founded20141998Lower
Support channelsEmail, Phone, Help centreCovers moreEmail, Phone

Brokers

Empower Personal Dashboard vs J&T Direktbank
FactEmpower Personal DashboardJ&T Direktbank
Stock trade fee$0Not confirmed
Account fee$0€0
MarketsStocks, ETFs, FundsNot confirmed
Investor protectionNot confirmedEU ICS up to EUR 20,000
FeaturesMobile appNot confirmed
Account typesIRANot confirmed
Interest on cashNot confirmed2.25%

Where each stands against the rest

Empower Personal Dashboard vs J&T Direktbank
FactEmpower Personal DashboardJ&T DirektbankMedian
Headline rate3.5%above the median2.25%below 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%.

J&T Direktbank

Pros

  • The account fee is €0 and the minimum deposit is €0, so small balances work.
  • Deposits are covered by EU DGS up to EUR 100,000.
  • Daily availability, with interest paid monthly on a variable rate of 2.25%.

Cons

  • The rate is variable, so the 2.25% figure can fall with monetary policy.
  • Support runs on email and phone only, with no branch network and no in-app chat.
  • The account is a German branch of a Czech bank, J&T BANKA, a.s., Zweigniederlassung Deutschland, with a home country of CZ.

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.

J&T Direktbank

Who it suits

  • Euro savers who want daily access and can leave the balance in place.
  • Savers who value a fee-free account, with an account fee of €0 and a minimum deposit of €0.
  • Readers comfortable with a variable rate paid monthly, under supervision by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB).

Who should look elsewhere

  • bunq, which lists a minimum deposit of €10 where this account takes €0.
  • CFI, whose minimum deposit of $0 is set in dollars rather than euro, for anyone saving in US currency.
  • Fiesta Credito MX, supervised by CONDUSEF rather than Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB), if you need cover in another market.

Country by country

Empower Personal Dashboard vs J&T Direktbank
CountryEmpower Personal DashboardJ&T Direktbank
CzechiaNoYes
GermanyNoYes
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.

J&T Direktbank

What does J&T Direktbank pay on its euro cash account?+

The overnight deposit pays 2.25%, and the cash interest is listed as 2.25%. The rate is variable, so it can move with monetary policy rather than being fixed for a term. Money stays available daily and interest is credited to the account monthly.

What does it cost to hold the account?+

Nothing to hold. The account fee is €0, the monthly fee is €0 and the minimum deposit is €0, so there is no balance to maintain and no charge to avoid. The only thing that matters is leaving enough in the account to earn the rate.

Other options to compare

Empower Personal Dashboard

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J&T Direktbank

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