We keep an eye on your money so you don’t have to. We’ll alert you at the right time so you know when and how to save faster and smarter.
Get expert tips 24/7 to guide you.
We're the financial experts you’ve wanted all your life
Say goodbye to old subscriptions
Do you know how much you’re spending on subscriptions? We’ll provide a snapshot for you and help you cancel any you no longer want.
Lower your bills (we’ll do it for you!)
We'll tell you if there are better deals for your phone, cable, and internet, and we'll even negotiate on your behalf to lower your bills.
Empower customers have saved on average $444 a year across their cable and phone bills:
Cable: $204 saved per year on average
Phone: $200 saved per year on average
Get timely alerts when you need them most
We monitor your money and send proactive notifications like: bill increases, missed bills, bank fees, credit utilization, and more.
Get expert tips from our human coaches
Our human coaches are on standby to help you through any financial challenge. They tailor their recommendations specifically for you, and only you. All you have to do is ask.
How can I save while paying off loans?
How do I get out of debt?
How much should I spend on my wedding?
Get smarter about your credit
Let us help you manage your credit better. Just tell us your credit score, and we’ll recommend practical steps for you. Here are a few topics we cover:
Your secrets are safe with us
Data privacy and security are a really big deal, for you and for us. We’ve got bank-level security to safeguard your account at all times.
AES 256-bit encryption
How do you provide me with recommendations?
Once you connect your financial accounts to the Empower app, we analyze your bills, paychecks, and purchases continuously to detect patterns and trends that you might be unaware of. We can detect for example if you missed paying your rent bill or if there’s a way to pay less interest on a loan. And then it’s our job to tell you about these opportunities to save and make smarter financial decisions.
Am I really talking to a real person if I use your human coach feature?
Haha, yes! Our human coaches love talking to customers and helping them through any financial question, big or small, tricky or basic ─ and all this guidance is tailored for you, unlike a generic blog post or whatever Google or Amazon Alexa might tell you. We’ve got your back.
I've connected one financial account to the Empower app. Why should I link more?
Connecting all of your accounts gives Empower a more complete and accurate snapshot of your financial life. That means our team can give you more relevant, personalized insights and tips on how to manage your money better.
What types of accounts can I connect?
We support over 10,000 US bank, credit card, loan, investment, cryptocurrency and 401(K) accounts. To get started, we suggest connecting at minimum: 1) your primary bank account and 2) your credit card if you have one, so that we can start helping you save ASAP!
Got 2 minutes? Start saving today.
Download the Empower app from the App Store or Play Store.
Tell us the basics, like your name, birthday and address.
Link your primary checking account.
You'll also love these features
Save effortlessly for emergencies and big purchases
Set spend limits and cut unnecessary expenses
Get personalized tips on where and how to save more
Make more money on your money with no overdraft fees
Get fast cash for life’s little emergencies
Get expert tips24/7 to guide you.
® The Empower name and logos are trademarks and service marks (collectively, the “Empower Trademarks”) owned by Empower Finance, Inc. You do not acquire a license or any ownership rights to any trademarks, service marks, or trade names through your access or use of the Empower app or platform product or service.
* New accounts provided by, and Empower Debit Card issued by, nbkc bank, Member FDIC, with an Annual Percentage Yield (APY) of 0.25% as of Mar 19, 2020. APY may change at any time. Empower charges an auto-recurring subscription fee of $8 for access to the full suite of money management features offered on the platform after your first 30 days.
Accounts opened prior to January 1st 2020 are provided by, and Empower Debit Card issued by, Evolve Bank & Trust, Member FDIC, with an APY of 0.00% as of Mar 16, 2020. APY may change at any time.
¹ Reimbursement for up to 3 ATM fees per month, with a maximum reimbursement of $10 per ATM withdrawal.
² Empower does not charge foreign transaction fees for the use of the Empower Visa Debit Card outside of the US. However, Visa charges a foreign transaction fee of 1%. Empower does not reimburse this 1% transaction fee on foreign ATM transactions or on any other foreign transactions or purchases.
³ Access to the cash advance feature and different cash advance amounts are determined by Empower based on various criteria including bank account history and activity, recurring direct deposits, average monthly direct deposit, repayment history, and other factors.