Empower - Money Management

Empower - Money Management

By Empower Finance

  • Category: Finance
  • Release Date: 2017-05-09
  • Current Version: 2.6.2
  • Adult Rating: 4+
  • File Size: 79.94 MB
  • Developer: Empower Finance
  • Compatibility: Requires iOS 9.0 or later.
Score: 5
From 4,799 Ratings


Selected by Apple and Time as "New Apps We Love" and "Best Apps of the Year”, Empower helps nearly half a million Americans track all their money in one place, find savings, build wealth, and get out of debt. In addition to using Empower to manage your money, now do all of your banking from your phone without paying any fees. Empower banking offers 2.00% APY on savings and 1% cashback on debit card spend, with no fees and no minimums. Talk about a rewarding combo! HERE'S WHAT THE MEDIA HAS BEEN SAYING: * Time: “Get some help cleaning up with Empower, a new money management app designed to help you make sense of your financial life.” * NYTimes: “Empower focused on “finding” people savings by analyzing their accounts and suggesting higher-interest savings, lower-interest cards, and subscription cancellations.” * Forbes: “The app will let you renegotiate big bills you didn't even realize you could reduce.” EMPOWER'S MONEY MANAGEMENT FEATURES INCLUDE: * See all of your accounts in one place—including bank, credit card, loan, retirement, crypto * Protect and boost your credit scores by monitoring your credit utilization  * Have a pair of eyes on your money 24/7, alerting you of anything unusual * Track your spending and get insights into where it’s going * Create budgets, including being notified when you’ve spent too much on coffees this month * Save money by cancelling subscriptions or asking us to negotiate cell phone/Internet/cable/home security bills * Build your savings by finding the highest interest savings accounts * Refinance your debt by accessing low-interest loans, even without a great credit score * Check your balances and transactions on your phone—anytime, from anywhere * Chat with a personal finance coach about your money questions IN ADDITION, EMPOWER'S BANKING FEATURES INCLUDE: * Mobile banking using state-of-the-art security in the palm of your hands * Checking account with 1% cash back on the first $1,000 of debit card spend each month * Savings account earning 2.00% APY * No fees * No minimum balance requirements * Free ATMs * FDIC insured up to $250,000 * Visa's Zero Liability Policy protects you against unauthorized purchases * Instant notifications of debit card transactions for enhanced security OUR APP'S SECURITY FEATURES INCLUDE: * Empower uses bank-grade security measures like AES 256-bit encryption, multi-factor authentication, PIN code, and Touch ID to protect your account. * Your personal information is fully encrypted using SSL. PLEASE NOTE: Annual Percentage Yield (APY) may change at any time, before or after account is opened. APY is as of November 16, 2018.



  • Good with limitations

    By Sldkfjfkrnrkfk
    I’ve been using Empower for several months now and am happy with the wide range of accounts that you can link to the app. The landing page is informative and exactly what I’m looking for every time I open the app. Directly underneath that, the accounts snapshot and lists is useful to corroborate with the snapshot above. Essentially, all the information they show you in the way that they do is practical and ranked in order of priority that aligns with mine (of course, this is subjective). I’m very happy with this and is the reason I’ve continued to use this over Mint, Clarity, and other personal finance apps. Unfortunately it has a major drawback. Every now and then the app will brick. This is happening at the moment for me (and is the reason I am writing this review). How the app normally works is that you open the app, it loads the intro screen and then opens to the snapshot graph. From time to time, my app will only load the intro screen and never move past it. Deleting and reinstalling fixes the problem, but this is hardly a sustainable solution. It has happened about 5 times since I’ve had the app and each time it is incredible frustrating. Another small negative is that it doesn’t update transactions in real time. It takes a long time for new/pending transactions to show up in the app. For me, this is a major bug worthy of losing 2 stars over. A personal finance app (or any app, for that matter), shouldn’t have an issue that renders it useless. 4 stars for a practical and well designed app. -2 stars for bugs and shortcomings.
  • Great money mgmt app

    By envoy12$$$
    For in app that came across as an ad on my social media feed, it’s pretty good. I enjoy that I can have all my accounts in (most of them, having trouble linking a few) one place. I can see in a quick snap shot all my financials. I would say when compared to other money mgmt tools, Empower’s budget feature is a little weaker than some. IMHO, it would be nice to have more options or sub-categories of expense type. Or the ability to create your own expense categories for your budget. Other than that I haven’t really had an issue with much else.
  • Love the app, but . . .

    By Kapes27
    Would like the ability to force refresh accounts, does not keep as live as Mint
  • Good but not great.

    By AlbanyStrength
    When you can mobile deposit checks, load cash and has a widget will be perfect.
  • Works very well

    By greenfsyb
    I absolutely love this app it works amazingly I just wish I could like my stockpile account

    By Instamamma
    Trying to get back on my feet, looking for an app to help me budget better and I could not be more pleased!
  • New update is Very worst

    By willaim009892
    After I update I can’t view my account I sign out now I can’t sign in back anymore all code I got would said invalid fix this please
  • Just get a error

    By catjac443
    How are there working reviews for this and there is only a join the waitlist and then you get an error and can not go further?
  • Good but missing one feature

    By dd1837364
    I like how it gives me notifications for each transaction, but many of them are still pending. It would be great if it also gave me a notification of the final transaction. I want to make sure that restaurants are charging me the correct tip, for example.
  • Needs work

    By Wilpdx8924
    The benefits that are being offered are great! Not gonna get 1% back on physical debit swipes every month. Basically you can get up to 10 bucks a month from them, which is cool. However, there app is not very well organized, super duper slow with updating transactions, balances, etc. Also, they’re only open 9-5p via chat... if you tie up all your money in their app/account you could be screwed if something were to happen. They stopped accepting ACH payments, which most merchants that only accept ACH do it for a reason, they can only accept it that way... such as auto loans, credit card payments etc... Also, I’ve had a ‘pending’ charge being held against my balance since 11/9/18! I contacted the merchant they said they cancelled on their end and my bank should receive notification within 2-3 business days... it’s been 10 days. Not sure if that free ten bucks a month would be all worth it at this point.