Updated September 28, 2026 · SumCue Editorial Team
Empower Personal Dashboard vs Qonto
Empower Personal Dashboard
Higher score in this comparison
Qonto
Empower Personal Dashboard vs Qonto: the differences
| Compare | Empower Personal DashboardReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Headline rate | 3.5%Higher | 1.5% |
| Minimum deposit | $0 | €0 |
| Deposit protection | FDIC up to USD 250,000 | EU DGS up to EUR 100,000 |
| Access terms | Easy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile app | Instant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month |
| Monthly fee | $0 | €9 |
Same on both: Rate type (Variable), Account kind (Cash management).
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Key differences
- Empower Personal Dashboard scores higher overall: 9.3 vs 8.6.
- Founded is lower at Empower Personal Dashboard: 2014 vs 2017.
- Qonto is available in 7 more countries.
- Headline rate is higher at Empower Personal Dashboard: 3.5% vs 1.5%.
- Support channels: only Qonto offers Chat.
- Pricing model: only Empower Personal Dashboard offers Commission free, Low fees.
- Pricing model: only Qonto offers No annual 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.
Qonto
Qonto suits businesses that want a low-cost Mastercard debit card with included card insurance and account remuneration. It is less suitable for frequent cash withdrawals or overseas spending, because free ATM withdrawals are €0 and currency conversion costs 2%.
Score breakdown
| Area | Empower Personal Dashboard | Qonto |
|---|---|---|
| Cost | 10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0. | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 8.7 | 9.4Higher |
| Trust | 9.0Higher | 8.4 |
Pick Empower Personal Dashboard if, pick Qonto if
Pick Empower Personal Dashboard if trust and headline rate matter most.
Pick Qonto if offer matter most.
Where they rank in our lists
| Ranking | Empower Personal Dashboard | Qonto |
|---|---|---|
| Savings | 18 of 1492 | 11 of 1492 |
| Savings accounts | 11 of 658 | 8 of 658 |
| Cash management accounts | 4 of 46 | 3 of 46 |
Licences and countries
| Country | Empower Personal Dashboard | Qonto |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
Additional countries for Empower Personal Dashboard: 1. Additional countries for Qonto: 8.
Also worth a look
XTB has headline rate at 4%, against 3.5% for Empower Personal Dashboard and 1.5% for Qonto.
XTB reviewEvery fact side by side
| Fact | Empower Personal Dashboard | Qonto |
|---|---|---|
| Pricing model | Commission free, Low fees | No annual fee |
| Legal entity | Empower Advisory Group, LLC | QONTO |
| Headquarters | United States | France |
| Founded | 2014Lower | 2017 |
| Support channels | Email, Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Brokers
| Fact | Empower Personal Dashboard | Qonto |
|---|---|---|
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Funds | Not confirmed |
| Features | Mobile app | Multi currency, Virtual card, Travel |
| Audience | Not confirmed | Business |
| Currency conversion fee | Not confirmed | 2% |
| Account types | IRA | Not confirmed |
Credit cards
| Fact | Empower Personal Dashboard | Qonto |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 17.5% |
| Rewards type | Not confirmed | None |
| Perks | Not confirmed | Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | Empower Personal Dashboard | Qonto | Median |
|---|---|---|---|
| Headline rate | 3.5%above the median | 1.5%lowest quarter | 3.3% |
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%.
Qonto
Pros
- The Mastercard debit card has an annual fee of €0.
- Card insurance for travel, business purchases and fraud is included through Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Eligible Smart and Premium plans can receive account remuneration under the terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
Cons
- Qonto charges a monthly fee of €9, while bunq lists a monthly fee of €0.
- Free ATM withdrawals are €0, which may be costly for a business that regularly uses cash machines.
- The currency conversion fee of 2% is above the site median of 1%.
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.
Qonto
Who it suits
- Businesses that regularly use a Mastercard debit card for travel or business purchases.
- Smart and Premium plan customers who meet the remuneration terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Users who want chat, phone, email and help-centre support through chat, phone and email.
Who should look elsewhere
- Businesses focused on low cost that may prefer bunq, whose monthly fee is €0.
- Frequent overseas spenders who prefer Wise and want to compare its fee with Qonto's 2%.
- Cash-heavy businesses that want free ATM withdrawals, because Qonto offers €0.
Current offers
Qonto
Current offer
Free trial
1-month free trial on all Qonto plans: 1 month free
Shown on Basic, Smart, Premium, Essential, Business and Enterprise plan cards on the pricing page.
Source, checked September 26, 2026
First period offer
Remunerated account: 5% AER for 2 months, then 1.5% AER: 5% AER for 2 months, then 1.5% AER
Smart and Premium plans; requires at least 5 eligible transactions per month; remunerated balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium).
Source, checked September 26, 2026
Country by country
| Country | Empower Personal Dashboard | Qonto |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
8 of 9 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.
Qonto
What does Qonto charge each month?+
Qonto's account fee is €9. The Mastercard debit card itself has an annual fee of €0. The card also offers a deferred debit option on Plus and X Cards at no extra cost under Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
What does Qonto charge for currency conversion?+
Currency conversions cost 2%. This matters for business travel or purchases made outside the account's working currency. Qonto supports multi-currency features, but the conversion charge remains 2%.
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