Updated September 29, 2026 · BrokerCue Editorial Team
Empower Personal Dashboard vs XTB
What sets them apart
| Compare |  Empower Personal Dashboard |  XTB |
|---|---|---|
| Minimum deposit | $0 | €0 |
| Stock trade fee | $0 | €0 |
| Account fee | $0 | €0 |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Forex, CFDs, Crypto |
| Inactivity fee | Not confirmed | €10 |
| Regulators | Not confirmed | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
| Account types | IRA | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- Empower Personal Dashboard scores higher overall: 9.4 vs 9.3.
- Markets: only Empower Personal Dashboard offers Funds.
- Markets: only XTB offers Forex, CFDs, Crypto.
- Support channels: only Empower Personal Dashboard offers Help centre.
- Support channels: only XTB offers Chat.
- Features: only XTB offers Demo account, Crypto.
Our verdict on each
Empower Personal Dashboard
Empower Personal Dashboard suits US savers who want a managed retirement account without a fee attached. The management fee is 0% and the minimum investment is $0, so the cost side is as light as it gets. It fits people who would rather set it and leave it than trade.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | Empower Personal Dashboard | XTB |
|---|---|---|
| Cost | 9.9HigherManagement fee 0%, account fee $0 and minimum investment $0 sit at the free end of costs. | 9.1 |
| Offer | 8.8 | 9.3Higher |
| Trust | Not confirmed | 9.6 |
What each covers
| Markets | Empower Personal Dashboard | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | No | Yes |
| Funds | Yes | No |
Sources behind this comparison
Empower Personal Dashboard
- empower.com: 10 facts, checked September 26, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- hello-brokers.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 1 fact, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Empower Personal Dashboard | XTB |
|---|---|---|
| Stock and ETF brokers | 12 of 490 | 3 of 490 |
Every fact side by side
| Fact | Empower Personal Dashboard | XTB |
|---|---|---|
| Features | Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Commission free, Low fees | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Empower Advisory Group, LLC | XTB Limited |
| Headquarters | United States | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | Empower Personal Dashboard | XTB | Median |
|---|---|---|---|
| Inactivity fee | Not confirmed | €10above the median | €0 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 70.375% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
Median across 38 listed brokers.
Pros and cons
Empower Personal Dashboard
Pros
- Management fee of 0% and an account fee of $0, so nothing leaves the balance each year.
- Minimum investment of $0 and a minimum deposit of $0, so a small first contribution is enough.
- Stock trades cost $0 across stocks, etfs and funds, with managed portfolios in ETF and cash styles.
Cons
- The account type is an IRA, so it is a retirement account rather than a general dealing account.
- Markets stop at stocks, etfs and funds, with no crypto, options or forex added on.
- Support runs on email, phone and help centre, so there is no live chat for quick questions.
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
Who each suits
Empower Personal Dashboard
Who it suits
- US savers building a retirement account who want it run for them at no annual charge.
- People who prefer ETF and cash portfolios over picking their own shares.
- Long-term investors content with a conventional asset range.
Who should look elsewhere
- eToro, where the managed portfolios start at $500.
- Vivid Standard, which charges a management fee of 0.5% to 1.5%.
- Axos Invest, where managed portfolios start at $100.
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
Questions about each
Empower Personal Dashboard
What does Empower Personal Dashboard charge?+
The management fee is 0% and the account fee is $0, so nothing is taken out of the balance for holding or running the account. Trading is separate, and the stock trade fee is $0, which keeps running costs thin overall.
Is there a minimum to get started?+
The minimum investment is $0 and the minimum deposit is $0, so you can begin with a small amount rather than waiting for a large balance. That makes it a practical first step for anyone building a retirement pot gradually.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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