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Updated September 28, 2026 · SumCue Editorial Team

Empower Personal Dashboard vs Wise

Empower Personal Dashboard scores 9.3 and Wise 9.2 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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Wise

Wise

9.2/10
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Empower Personal Dashboard vs Wise: the differences

Empower Personal Dashboard vs Wise
CompareEmpower Personal DashboardEmpower Personal DashboardReviewVisitVisitWiseWiseReviewSee alternativesSee alternatives
Headline rate3.5%Higher3.29%
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 to money and gains; transfer up to 100,000 GBP (Personal) daily without delay
Monthly fee$0£0
Minimum deposit$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 9.2.
  • Founded is lower at Wise: 2011 vs 2014.
  • Wise is available in 3 more countries.
  • Headline rate is higher at Empower Personal Dashboard: 3.5% vs 3.29%.
  • Support channels: only Wise offers Chat.
  • Pricing model: only Empower Personal Dashboard offers Commission free, Low fees.
  • Pricing model: only Wise 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.

Read the full Empower Personal Dashboard review

Wise

Wise suits people who hold several currencies and convert often, pairing a monthly fee of £0 with a conversion fee of 0.1% and interest of 3.29% on the balance. The weak spot is cash: free ATM withdrawals stop at £250 and the card ranks 10 of 124 on that measure.

Read the full Wise review

Score breakdown

Empower Personal Dashboard vs Wise
AreaEmpower Personal DashboardWise
Cost10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0.9.3A monthly fee of £0 and a conversion fee of 0.1% keep running costs low, and the monthly fee ranks 1 of 422.
Offer8.79.8HigherInterest of 3.29% at a variable rate, a debit card, free ATM withdrawals of £250 and support on email, chat and phone.
Trust9.0Higher8.7

Where each is licensed and available

Empower Personal Dashboard vs Wise
CountryEmpower Personal DashboardWise
BelgiumNot confirmed
BE_NBB PSD_PI BE_NBB!0713629988
CyprusNot confirmed
LithuaniaNot confirmed
LT_BL PSD_EMI LT_LT_BL_304940980

Additional countries for Empower Personal Dashboard: 1. Additional countries for Wise: 4.

How they place

Empower Personal Dashboard vs Wise
RankingEmpower Personal DashboardWise
Savings18 of 1492324 of 1492
Savings accounts11 of 658218 of 658
Cash management accounts4 of 4611 of 46

Every fact side by side

Empower Personal Dashboard vs Wise
FactEmpower Personal DashboardWise
Pricing modelCommission free, Low feesNo annual fee
Legal entityEmpower Advisory Group, LLCWise Europe SA
HeadquartersUnited StatesBelgium
Founded20142011Lower
Support channelsEmail, Phone, Help centreEmail, Chat, Phone, Help centreCovers more

Brokers

Empower Personal Dashboard vs Wise
FactEmpower Personal DashboardWise
Stock trade fee$0Not confirmed
Account fee$0Not confirmed
MarketsStocks, ETFs, FundsNot confirmed
FeaturesMobile appMulti currency, Travel
AudienceNot confirmedBusiness, Kids
Currency conversion feeNot confirmed0.1%
Account typesIRANot confirmed

Credit cards

Empower Personal Dashboard vs Wise
FactEmpower Personal DashboardWise
Annual feeNot confirmed£0

Where each stands against the rest

Empower Personal Dashboard vs Wise
FactEmpower Personal DashboardWiseMedian
Headline rate3.5%above the median3.29%below the median3.3%
Minimum deposit$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%.

Wise

Pros

  • The monthly fee on the cash management account is £0, level with bunq at €0 and Varo Believe Secured Credit Card at $0, so nothing is given away on the standing charge.
  • A currency conversion fee of 0.1% sits well under the site median of 1%, and the account can hold 40 currencies at the same time.
  • Idle balances earn 3.29% at a variable rate while staying available, which bunq and Varo Believe Secured Credit Card do not offer in the same form.

Cons

  • The free ATM allowance of £250 ranks 10 of 124, so heavy cash users get less than many rivals.
  • The conversion fee of 0.1% is not free: Starling Personal Account Debit Card lists 0% on its travel card, which costs less for people who only spend abroad.
  • The rate is variable, so the 3.29% earned on the balance can move instead of staying put for a set period.

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.

Wise

Who it suits

  • People paid in a single currency and spending in another, since the conversion fee is 0.1% and 40 currencies can be held side by side.
  • Travellers who want a debit card with a monthly fee of £0 and interest of 3.29% left in the account.
  • Households running accounts for business and kids.

Who should look elsewhere

  • Starling Personal Account Debit Card, which lists 0% on its travel card, suits spenders who would rather pay no conversion charge than 0.1%.
  • Varo Believe Secured Credit Card is a secured credit card at $0 a month, so it answers a credit building need rather than a debit card that pays interest.
  • bunq, which also charges €0 a month, gives no reason to move on price alone, so the 0.1% conversion fee and the £250 cash allowance are what separate the two.

Country by country

Empower Personal Dashboard vs Wise
CountryEmpower Personal DashboardWise
BelgiumNoYes
CyprusNoYes
LithuaniaNoYes
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.

Wise

What does the account cost to run?+

The monthly fee on the cash management account is £0, and the pricing runs on the no annual fee model, so there is no separate annual charge. bunq sits at €0 and Varo Believe Secured Credit Card at $0, so Wise competes on conversion pricing and the interest paid on the balance rather than on the standing fee.

How much does it cost to convert currency?+

The currency conversion fee is 0.1%, and the account can hold 40 currencies at once, so money can sit in the currency you are paid in and convert only when you spend. Starling Personal Account Debit Card lists 0% on its travel card, so a reader who never converts pays less there.

Other options to compare

Empower Personal Dashboard

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Wise

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