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Updated September 29, 2026 · SumCue Editorial Team

Empower Personal Dashboard vs XTB

Empower Personal Dashboard scores 9.3 and XTB 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
Visit
XTB

XTB

9.3/10
Visit

Empower Personal Dashboard vs XTB: the differences

Empower Personal Dashboard vs XTB
CompareEmpower Personal DashboardEmpower Personal DashboardReviewVisitVisitXTBXTBReviewVisitVisit
Headline rate3.5%4%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 appInterest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account
Monthly fee$0£0
Account kindCash managementEasy access
RegulatorsNot confirmedCyprus Securities and Exchange Commission (CySEC), FCA, KNF

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 XTB: 2002 vs 2014.
  • Headline rate is higher at XTB: 4% vs 3.5%.
  • Support channels: only Empower Personal Dashboard offers Help centre.
  • Support channels: only XTB offers Chat.

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

XTB

XTB suits beginners who want an account for shares, forex, CFDs and crypto without a monthly charge, and the cost side is thin: the account fee is €0 and the stock trade fee is €0. The catch is the inactivity fee of €10 and a currency conversion fee of 0.5%.

Read the full XTB review

Score breakdown

Empower Personal Dashboard vs XTB
AreaEmpower Personal DashboardXTB
Cost10.0HigherManagement fee 0%, account fee $0, stock trade fee $0, minimum investment $0.9.2Account fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset.
Offer8.79.2Higher
Trust9.09.5Higher

How they place

Empower Personal Dashboard vs XTB
RankingEmpower Personal DashboardXTB
Savings18 of 14922 of 1492
Savings accounts11 of 6582 of 658
Investing22 of 6543 of 654
Stock and ETF brokers13 of 3582 of 358

Also worth a look

Finom has headline rate at 5%, against 3.5% for Empower Personal Dashboard and 4% for XTB.

Finom review

Sources behind this comparison

Empower Personal Dashboard

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

XTB

  • xtb.com: 8 facts, checked September 26, 2026
  • esma.europa.eu: 2 facts, checked September 26, 2026
  • hello-brokers.com: 2 facts, checked September 26, 2026
  • linkedin.com: 1 fact, checked September 26, 2026

Every fact side by side

Empower Personal Dashboard vs XTB
FactEmpower Personal DashboardXTB
Pricing modelCommission free, Low feesCommission free, Low fees
Legal entityEmpower Advisory Group, LLCXTB Limited
HeadquartersUnited StatesCyprus
Founded20142002Lower
Support channelsEmail, Phone, Help centreEmail, Chat, Phone

Brokers

Empower Personal Dashboard vs XTB
FactEmpower Personal DashboardXTB
Stock trade fee$0€0
Account fee$0€0
Inactivity feeNot confirmed€10
MarketsStocks, ETFs, FundsStocks, ETFs, Forex, CFDs, Crypto
Investor protectionNot confirmedEU ICS up to EUR 20,000
Retail accounts that lose moneyNot confirmed77%
FeaturesMobile appDemo account, Mobile app, CryptoCovers more
AudienceNot confirmedBeginners
Currency conversion feeNot confirmed0.5%
Deposit and withdrawal feesNot confirmedFree deposits; free withdrawals above 100 EUR/USD
PlatformsNot confirmedXStation 5, XStation Mobile
Account typesIRANot confirmed
Maximum retail leverageNot confirmed1:30

Crypto exchanges

Empower Personal Dashboard vs XTB
FactEmpower Personal DashboardXTB
Taker feeNot confirmed0%
Coins listedNot confirmed45
Fiat deposit methodsNot confirmedBank
Maker feeNot confirmed0%
Withdrawal feeNot confirmedFree above 100 USD/EUR
DerivativesNot confirmedYes
Exchange typeNot confirmedCex

Where each stands against the rest

Empower Personal Dashboard vs XTB
FactEmpower Personal DashboardXTBMedian
Headline rate3.5%above the median4%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%.

XTB

Pros

  • The account fee is €0 and the stock trade fee is €0, which places XTB at 1 of 166 brands on the share dealing charge.
  • The minimum deposit is €0, putting XTB at 1 of 218 brands on the amount needed to start.
  • Deposit protection is FSCS up to GBP 85,000 and investor protection is EU ICS up to EUR 20,000, both stated with figures rather than vague wording.

Cons

  • The inactivity fee is €10, and at 39 of 56 brands on that measure XTB sits well outside the free group.
  • A currency conversion fee of 0.5% applies even though the stock trade fee is €0, which bites on any US share held in a euro or sterling account.
  • Retail leverage runs to 1:30 and 77% of retail accounts lose money, so free dealing does not mean free from risk.

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.

XTB

Who it suits

  • Beginners new to investing, since the audience XTB is built for is beginners and the minimum deposit is €0.
  • UK and EU customers who want stocks, etfs and forex behind a single login and who read FSCS up to GBP 85,000 before funding.
  • People who want the same platform on desktop and phone, with xStation 5 and xStation Mobile both carrying the account.

Who should look elsewhere

  • Not bunq, which asks for a minimum deposit of €10 where XTB opens at €0.
  • Not CFI if the opening amount is your only guide, since its minimum deposit is also $0 and the real difference is markets and protection.
  • Not Fiesta Credito MX, listed under CONDUSEF for credit rather than for trading stocks, etfs and forex.

Country by country

Empower Personal Dashboard vs XTB
CountryEmpower Personal DashboardXTB
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.

XTB

What does it cost to hold an XTB account?+

The account fee is €0 and the monthly fee is £0, so there is no standing charge for keeping the account open. The recurring cost to watch is the inactivity fee of €10, which applies when an account is left unused. If you hold uninvested funds you also earn interest, calculated daily and paid monthly, with no minimum or maximum balance.

How much does it cost to buy shares on XTB?+

The stock trade fee is €0 and the account runs on a commission free and low fees model, so a share trade carries no commission. The charges that remain are the currency conversion fee of 0.5% when the trade currency and your account currency differ, and any spread built into the price. For an account holding US shares, that conversion fee is what turns a trade with a stock trade fee of €0 into a cost.

Other options to compare

Empower Personal Dashboard

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XTB

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