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Save and bank better with a financial expert in your pocket. Our budgeting tools, human coaches and expert tips let you master your money like a pro.

Join the 650,000+ people who have downloaded Empower to prepare for the future, budget wisely, and crush their financial goals. Let’s break it down:

Automated saving
Save $1,500 or more every year, without even trying. Set your weekly savings target, and Empower will study your income and spending and automatically knows when to save the right amount of money at the right time.

- 1.60% APY on all your money
- Empower deposits are FDIC insured up to $250,000
- Access your money at anytime
- Unlimited withdrawals
- No account minimums

High-interest checking
Enjoy a high-interest checking account with an APY that’s 35x higher than traditional banks. Make way more money on your money — spend it, save it, you choose. We’ll make it grow.

- 1.60% APY on all your money
- Debit card with 24/7 alerts on all transactions
- 3 monthly ATM fee reimbursements
- Empower deposits are FDIC insured up to $250,000
- No account minimums
- No overdraft fees
- No insufficient funds fees
- Feature to lock/unlock your card in app

Painless budgeting and spend tracking
Whip up budgets that reflect your lifestyle and get notifications on how your bills and purchases are tracking to plan.

- Customizable budget categories
- Weekly or monthly spend limits
- 24/7 alerts on $ left to spend
- Monthly reports

Expert tips
Empower keeps an eye on your money so you don’t have to. Sit back, relax, and we’ll tell you when and how to make better financial choices. We’ll notify you about these (and more):

- Account alerts – Empower notifies you about bank fees, bill increases, missed bills, credit utilization, new ways to save, and more
- Subscription management – Empower shows you all of your subscriptions and helps you cancel any you're not using anymore.
- Bill negotiation – Empower negotiates your phone, cable and internet bills to get you better deals.

Human coach
Our human coaches are always here to help you through any financial challenge. Think personalized tips to steer you in the right direction.

Data privacy and security
Your personal data belongs to you, and you alone. We would never share or sell your information to another party. And we keep your money safe and sound with the latest-and-greatest bank-grade security features and protections, like:

- AES 256-bit encryption
- Multi-factor authentication
- Touch/Face ID

Love for Empower.
Recognized by Apple in "New Apps We Love" and by Time Magazine in "Best Apps of the Year So Far." Featured in Forbes, The New York Times, Business Insider, TechCrunch, and USA Today.

For more information, visit empower.me.

Banking services for new accounts provided by nbkc bank, Member FDIC. 1.60% Annual Percentage Yield (APY) may change at any time. APY as of January 29, 2020. Empower charges an auto-recurring subscription fee of $6 for access to the full suite of money management features offered on the platform after your first 30 days.

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.

Annual savings through our AutoSave feature may vary based on the customer’s savings selection and financial circumstances.

What’s New

Version 4.2.7

- bug fixes

Ratings and Reviews

4.7 out of 5
7.1K Ratings

7.1K Ratings

nioleeo ,


This app does not allow the user to unlink their account, which is a cause for concern. I want to cancel because they charge a $6/month fee for all new users. Before I cancel I want to remove my linked bank account but the app does not let you remove it. To cancel you have to email them and wait to get a response. I literally was on email all day back and forth to then have the person from Synapse say they can’t help me because they don’t know about the Empower app and they only handle the back-end banking. I asked who can assist me with the removal and she never replied. I googled and found a number which led me back to Synapse live person and explained everything again. At least this person emailed Empower app, cc’d me to get try to get some resolve. Which unfortunately did not happen, as I asked if they (Empower) can remove my linked account on the developer end and I got no response to my question. DO NOT USE THIS APP. The 1.6% is not worth the headache of the run around and non responsive Synapse customer support. Find an online bank that offers same or better rates with no headaches when you decide to cancel.

Developer Response ,

Hi there, sorry to hear about your experience. Please email us directly at help@empower.me and our team will get this resolved for you as soon as possible.

cheis23 ,


Doesn’t link with my credit union so can’t use most of the features advertised. It says it will but whenever I try there is a “problem. Please try again later.” I’ve been trying for 3 weeks. When I contacted support (after some frustrating and counter-intuitive discussions with a Bot) they told me there was a temporary outage with my credit union and to try again in a week. Obviously disappointed and finding this app totally useless I deleted my account. It says all my data and account details will be deleted. Yet when I attempt to re-sign in and confirm my account has been deleted it simply just re-signs me in and all my data is still there and it hasn’t been deleted at all. I don’t know why so many people are giving this good reviews. Perhaps they haven’t used it properly but I was very keen to use empower that I’d already decided I would. I decided to just do some simple tests to put my mind at ease about using a new company and they failed all of those tests: doesn’t link with external accounts as advertised, time wasting bots are the customer support, solutions eventually offered are totally inadequate and when I made my decision that this “bank” (its really a tech company) wasn’t for me I had to repeatedly email and message them to actually manually delete my account (even though the app tells you you can do it from their main menu). New companies will improve the banking experience in the near future. Empower is not one of those.

Developer Response ,

Hi there, Very sorry to hear that you've run into some issues with using our app, particularly revolving around linking your credit union. If you're still interested, we'd love to discuss some of these points further, via email (support@empower.finance), or the in-app chat, but we can understand if you're already satisfied with the amount of time you've spent giving Empower a try.

In any case, thank you for the feedback!

wait to download ,


My wife and I read about Empower through a financial article and it sounded like a great option for us. We had closed our Chase account and kept our PNC open until everything was switched over to cover expenses and make sure there was no lapse in bills. So once that was finished we finally got our....1 card? Empower does not support two cards for the same account. That was not disclosed or advertised or anything. It was deep within their “Help” section after we had signed up.

So because it does work with Apple Pay we thought, ok the options and cash back are a nice option so let’s get through it. Well, we finally closed our PNC account and just had empower at this point. My pay check was a live check one week because of the switching of accounts, they wanted to be sure I could have the cash. So with this live check I look on how to deposit it or cash it..... THEY DON’T HAVE SUPPORT FOR THIS. The only way you can contact them is a messenger or email and you MIGHT get an answer back in 24-48 hours even though their app says most replies are in 2 hours of the operation times. They have no answers. So I had to go to my local grocery store where they would cash it but for $8. I responded back to their for short email giving me no answers and that was 24hours ago. Other than that, the app works nicely. Just can’t deposit cash or checks. HUGE flaw when setting up this business.

Developer Response ,

Hi, thank you very much for taking the time for the feedback notice. Please be reassured that we take well notice of the improvements our customers are requesting, and we are actively working on getting a secure way to deposit cash or checks. For the $8 ATM fee, that's on Empower since the 1st fee of the month is on us. We are also taking well notice of the request of having 2 cards for a joint account. We'll continuously work on making this better for you in the next releases. Please let us know if any issues or concerns at support@empower.finance. Thanks!


Empower Finance, Inc.
191.6 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.



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