Empower ® Customer Service

Empower ® Positive Reviews

Good ProductI’ve been thoroughly impressed with both the product and the company’s commitment to quality and customer satisfaction. The product exceeded my expectations in every aspect, from its sleek design to its robust performance. The user experience is seamless, and it’s clear that a lot of thought and effort went into the development process. Moreover, the company’s customer service is top-notch. They are responsive, friendly, and genuinely care about their customers’ needs. Any questions or concerns I had were addressed promptly and professionally. It’s rare to find a company that combines great products with excellent customer support, but this company does it effortlessly. I highly recommend their products to anyone looking for reliability, efficiency, and a great overall experience. Five stars all the way!.Neo8910Version: 2.6.0

Confusing and difficult to use!I wanted to reallocate the investment funds in my Empower Ret. Portfolio but had an extremely difficult time location the spot on your App site to accomplish this. I called Empower and spoke with “David”. He gave me instructions for using the website, but I could not find the selections he spoke about on my account. He became a bit irritated with me because I thought on was on the website, but was actually on my tablet, which said that meant I was using the App and the materials were different on the app. I ultimately found the spot for reallocating my funds without his help because he said he was not used to using the app and couldn’t find it either. David told me not to use the “slide” because it was “touchy”. But there was no place to enter a percentage number on the app. Using the app to accomplish the reallocation was confusing and difficult. It was not intuitive at all. I had to make my selections several times because the changes were not visible and I was not sure that the information was being accepted. Finally, after several steps and missteps, I saw the “review my changes” and was able to verify that the reallocation I wanted was made correctly. All in all, it was a very confusing and frustrating experience..B-lieverVersion: 2.2.8

Withdrawal experienceI thought it would be easier if I could just request and complete a withdrawal on the website. But I had to call and the wait time was was over an hour first time I called and ended up just being told I’d have to wait so many days since I had just changed my address on the website. I talked Tony that day and he was very nice and helpful. Second call I only waited about thirty minutes and Michael Clark made the withdrawal experience great. After talking with him I understood why you have to call instead of just doing the withdrawal yourself on the website. Both guys were great and although the call wait time is very long, they made my experience worth the wait. Thank you, Charlotte Sewell.Lolli-OllieVersion: 2.2.11

Definitely not the caliber of Mass MutalI am sad my retirement company mass mutual sold out to empower. After getting an invitation to their app I quickly noticed that much of my info that I thought would have migrated over is either not there like beneficiary information or the fact they have a 6 year old email address that is not even in use, although they used my correct email address to contact me???? This app is sad and not what I would have expected for the hype we received. After 30 minutes on hold to just speak with a person I am not impressed. As I am the manger over planned benefits I will be contacting our local broker to determine what other options their are versus empower. Never stay with a company just because they are big. I cannot recommend Empower at all at this time..Jnw588Version: 2.0.0

HardshipIn August I took a hardship withdrawal. Every time I called the wait times we’re excruciatingly long. Each time I spoke to a representative, the answers to my questions about the withdrawal were completely conflicting. At one point I was told I had plenty of time to change amount requested for withdrawal, but that information was also false. Empower had already sold the stocks and even though supervisors claimed to have listened to the telephone exchange where I was given incorrect information, they told me that there was nothing they could do. This company has much room for improvement and on many levels. The way I was treated was unacceptable..FGKateVersion: 2.2.14

Great jobI was a state employee for 30 years and have been enrolled with you guys since you came on board with the Commonwealth of Pennsylvania I retired almost 20 years ago and have been very happy with my account management. I used to be able to call and check my balances but that has stopped since I enrolled online I still would like to be able to call but otherwise I am totally happy with your service Since I am retired and only have a pension and Social Security for an income I thought I should talk to someone about reassigning my investments. I appreciate your knowledge and help in this matter thank you for all you do in protecting us retirees..Sure shot review number oneVersion: 1.8.2

Doesn’t work if you have two jobs.I have two jobs that both use empower for retirement. I spent an hour on the phone with people from empower using me as a hockey puck, shuffling me around just to tell me that I was unable to have access to both of my retirement accounts on the App. This is not intuitive at all. Customer service reps had no clue about the issue until they tried to transfer me to technical service and came back on the line to tell me they weren’t transferring me since technical services were unable to do what I was requesting at this time, “but it’s being worked on.” Also, they had no timeframe to give on the completion of when the issue would be fixed..LcunninR8RVersion: 2.1.6

App is good but for the Face ID bugThe latest update is even more horrible. It did not fix the Face ID problem. Now after logging in the app simply says cannot load information. Problem occurred. Call support... Disappointed!! App is neat and great. Simple to use. However I have noticed a bug with the iPhone Face ID. Every time I login I go and enable my Face ID. It asks me for my login and password to enable it. But once I close the app, my Face ID setting is gone. Next time I open the app, it says Face ID is disabled. Very irritating to use it since I have to redo all the steps again only to lose it all when I login next time. Please fix it..MadRadRickMadVersion: 1.4.1

Thankful for appI work for a state government that offers a voluntary IRA along with it's mandatory 401k. The IRA is through Empower and being able to access it with an app is amazing given my states 401k isn't accessible by most third party apps.. Quicken, Personal Capital, etc.. None of them sync with my 401k, only Mint does, however Mint doesn't provide forecasting, returns, etc.. So basically it will only tell me my balance. I'm thankful because most government retirement accounts other than federal aren't really "tech friendly," as state and municipal governments aren't looking to spend money on things like mobile apps. Now, I would like to more information. Projected returns, historical, fee schedules, etc. It's a good app, built well, but it could use some depth..SrgatyVersion: 1.3.6

Missing some thingsIt’s not a bad app but missing a couple things 1. The app description says it’s being constantly updated to improve it but I’m not sure how they’re getting feedback and suggestions for improvements as there’s no obvious way to provide those suggestions from within the app. so my first suggestion would be to provide a clear way to do that from within the app. 2. There is no quick or obvious way to see your actual YTD earnings in the account overview or anywhere else as far as I can tell. I can see my account balance and my balance over time, but those numbers include my contributions. The app does not provide a way to view how much the account has increased in just market returns..Derek.orlingVersion: 2.8.2

AverageSlow response, difficult to reset password - makes you wait 24 hrs which is silly in the authentication era. No 24hour service, not even digital 24-hr service to help with simply account updates, etc. Customer service line via the app has limited hours, fast response (after a two minute digital filter process), & people with limited knowledge to handle problems and poor English vocabulary (most people in America speak english so I figured customer service for Americans should be in fluent English). Doesn’t communicate with Apple devices well so you have to manually update any changes onto your device. If you try and log on to the website as an employee of a company, it sends you directly to this app..JiggyAVersion: 2.8.11

Need an easier user interface fewer clicks and more user friendly servicesThe app needs to be intuitive. Currently, it inefficiently requires too many clicks to get something done. The slider bars are stupid, I can’t enter a number. I don’t want to play with my phone to get a number right. Menus are written by bankers for bankers They need to be written in plain English The bank itself is still stuck in dark ages It needs to stop charging for every rollover and allow users to ACH from their 401K account here into their IRA account anywhere else. This bank also needs to execute transfer orders on the day of the order. As is, it takes 2-3 work days for ACH transfer to complete. Some banks are of course faster and ACH overnight. I mean how much does it cost to bring this bank into the 21st century??? I know the IT execs throw more money away every year to maintain your antiquated systems. Or are the IT executives too busy CYA and spending their money on staff instead of automation? And taking initiative and directing most of the staff on a total revamp of this horrendous system? Can you read my frustration?.Ario A.Version: 2.2.8

Customer serviceHello everyone, First of all get empower retirement if you haven’t already. Their are many benefits along with saving money without taxes and if needed use that money for. Home down payment, emergencies and the best of all for home down payment. As far as their customer service it’s outstanding. I have dealt with them bunch of times now. They are helpful and pretty knowledgeable. They help you on the phone. As far as submitting documents and many other forms you want everything available on the app. Thanks..Your BapuVersion: 2.3.3

Limited accessVery unhappy with recent changes to the website. This service is for the benefit of employees yet their needs are hindered. There are 2 issues that need to be addressed. First, pension information has been removed from the summary page. Did we forget what summary means? Who’s account is it after all? Even if empowerment doesn’t manage pensions they are our retirement service. The summary page should retain that info even if it goes no farther. Second and more irritating is that in this world of mobile services becoming the primary means of conducting business, empowerment has limited our mobile access. If you try to log in to the site from a mobile device you are forced onto the mobile version. The mobile site WILL NOT allow you to access your brokerage window. This is not acceptable. What happens if someone is away from a desktop but needs to make a sudden change? What if as a result of not being able to they lose a lot of money? Please correct these empowerment . Thank you.Mrjr177Version: 2.2.13

Lots of room for improvementNeed a better user interface. The fonts are too small to read and app does not have a touch screen zoom feature. The login page does not have the option link to reset password or look up forgotten user ID and accessing account on a mobile device is only available by using the app. A financial app I can compare it to is Fidelity and in my honest opinion Empower would benefit to emulate its features and user interface..Echo PopVersion: 2.4.3

Required Update to new application not smoothI was required to update to new application but I have not been able to transition easily. I was unable to locate my account as it was not done automatically. I was then prompted to create a new log in. The application then sits on the new login screen and never completes the task. I am currently unable to access the retirement plan. I’m sure the app is great once you get in it. I’m eager to use it but was immediately locked out despite routinely using the older version and having passwords/data/etc saved..Shark Bait Hoo Haa HaaVersion: 2.1.7

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 2026.04.22(2604.22)

Empower ® Negative Reviews

I’ve never left an app review beforeBut this app makes me so angry I feel I need to. I’m currently stuck in an endless loop at login. The app helpfully tells me they have found another account I own that can be linked, clicking on that explains that this action can’t be taken in the app and I need to call customer service, fine, whatever, it then takes me back to the previous screen with no other action but to try to link the account again. The app often just hangs on login after using Face ID. It sends ridiculous notifications to the phone like “your account has been logged out due to inactivity”, great, why should I care about that? What action can I take off the back of it? I can either ignore it and just be annoyed that my phone got a pointless notification. Alternatively I can re-open the app and login again, but why on earth would I need a notification to prompt me to do that? If I wanted to open the app again I would have done that myself and discovered at that point I would have needed to login again. Note to the people that design and build it: please just remember that this app is not the most important thing in people’s lives, in fact it falls completely into the “I don’t care, I just want to get in, do what I need to do, get back out again, as quickly as possible”. Your success should be measured by how little time people spend in your app, not how much, and breaking logins again doesn’t count.Aaron43215Version: 2.2.3

Frustrating and Disappointing AppAn institution in charge of large sums of folks’ finances, and that plays such a vital role in their future, should have a working app. Instead, THIS app takes forever to load (when it does), then often says “data unavailable” and won’t show chunks of key account info when it does load. I like the concept of linking all of my financial accounts in one dashboard for a big-picture view, but adding accounts is like pulling teeth. I managed to add one external account after numerous attempts, but that’s the extent of my luck… Anytime I try to add more accounts it’s always one error or another, or it’ll get stuck while verifying the account info if I’m even able to get that far. I can’t emphasize enough how disappointing and unreliable this app is, especially compared to other financial apps I use like Chase or even my state credit union. If they weren’t attached to my pension, I’d be looking elsewhere. I give it two stars instead of one because it does somewhat regularly show the info for the one retirement account, but it’s overly basic, unreliable and doesn’t fulfill its promises. Hard to trust a company with my future when they can’t manage the day-to-day stuff….JMoore501Version: 2.6.0

Confusing and difficult to use!I wanted to reallocate the investment funds in my Empower Ret. Portfolio but had an extremely difficult time location the spot on your App site to accomplish this. I called Empower and spoke with “David”. He gave me instructions for using the website, but I could not find the selections he spoke about on my account. He became a bit irritated with me because I thought on was on the website, but was actually on my tablet, which said that meant I was using the App and the materials were different on the app. I ultimately found the spot for reallocating my funds without his help because he said he was not used to using the app and couldn’t find it either. David told me not to use the “slide” because it was “touchy”. But there was no place to enter a percentage number on the app. Using the app to accomplish the reallocation was confusing and difficult. It was not intuitive at all. I had to make my selections several times because the changes were not visible and I was not sure that the information was being accepted. Finally, after several steps and missteps, I saw the “review my changes” and was able to verify that the reallocation I wanted was made correctly. All in all, it was a very confusing and frustrating experience..B-lieverVersion: 2.2.8

Lacking in features - now can’t loginI wish I could go back to voya. Ever since my company changed to empower - I’ve felt so much less empowered managing my 401k. This app has always been flawed but now I can’t even login after the last update. 1) Prior to this issues logging in seemed to take a solid 30 seconds after entering credentials - now it won’t log in at all. 2) Having the ability to see a graph / multiple types of bar/line graphs on month over month or year over year progress with different colors for each fund is important but extremely lacking. 3) Also being able to compare on a table available mutual funds to invest in to and history of possible fund performance on a birds eye view for the last 30 days, ytd, 3month, 6month, 1 year, 3, 5, 10 year for a given etf/fund is so crucial but lacking in this app. 4) having visibility with reinvesting dividends and when the next ex-div dates are happening for my company needs to be present as well (and isn’t but is in other 401k apps like voya). Developers please give this app some love as its extremely lacking in core features that are present in other competitor apps (like voya etc).Narddog123Version: 1.5.3

Disappointing…Empower’s app is not great. I have a 401k, HSA and an investment account through Empower and it doesn’t link them very well. They are not user friendly and aren’t really in harmony with each other. It is difficult to login, often citing errors that make you have to do it over and over and over. It usually takes several tries to login (and the investment account is almost impossible to login without calling them. On an iPad, you need to use the app (can’t use Safari or Chrome), but the investment account app just takes you to the website but through the app… even though it will not let you use a browser? No idea why. For being the largest retirement company in America, they need a better, more user friendly app. They fooled me into rolling over my investment account from another company and I regret it. It’s the least user friendly investment platform I’ve used. I’ll probably move it back out so I have a better user experience. If I could move my 401k as well, I probably would..Captben7Version: 2.1.10

Needs a overhaul pros vs consI put this app on my phone to help manage my fiancé’s retirement plan here are the pros and cons I’ve found it is very simple and easily navigated and pretty straightforward Easily make changes change your investments increase or decrease contribution amounts only would recommend it To you anyone with an account way easier Then trying to manage your account from their website which need serious work and being more user-friendly go with the app. Con However not being Able to see who your money is invested with is a major drawback if you press the managed account button it tells you you don’t have authorization but it is your money so who is this authorized person managing the account. con two it doesn’t show you the money that you contribute versus the money your employer contributes. Con three it is incredibly slow to update my fiancé’s has been showing the same amount for a month and finally went up one dollar today when she got paid I would say both their app and their website need a major overhaul..Rifleman 45Version: 1.1.2

App is not ready for prime timeI was forced to use this app on my ipad and iphone since Empower has coded a User Agent (UA) detection into their platform. This allows them to see what device or browser I am coming in on. They will deny you entry and force a load this app page on to you. In essence you cannot access their web page from a mobile device. This would be tolerable if the app is even 50% of the features and function of their website. This is a dumbed down app. When you want to restack your investments you have only the option to do so by percentage which force you to calculate each percentage in the new target percentages. No other financial organization ie Vanguard, Trowe, etc. would force you to use the app only from your iPad. We should have the option to choose. Well I choose to NOT use this dumbdowned app. I will go old school and use my PC until they shut that down. Don’t use this app. Call their customer service and register your complaint..Saiwing217Version: 1.9.7

Unuseable, Utterly WorthlessUpon logging in, I am unable to bypass the enrollment screen, even though I have already enrolled to the level I want(1% not the 5% THEY want). Considering that I have already enrolled, I am flabbergasted that I can't do anything with this app except enroll... hence, it's worthless. I am enraged that this company constantly pesters me to modify MY enrollment option, and view this as them wanting to increase their fee (tied to a % of assets under management), which completely eradicates any measure of trust that should be present between a client and financial advisor. Moreover, I feel that they make it too easy to accidentally enroll in a larger contribution, and thus find using their tools risky--not that I can even use it in this app!(I speak from experience using their website). FYI, in the event that this company actually listens to customers, the reason that I haven't enrolled in the 5% is that I want to understand (incrementally) the impact on my takehome pay. Thus, showing your customers the math on this would be an excellent start toward fixing this mess of a tool. I have low expectations of an improvement, however, because I expect a big company like this to be a useless dinosaur that only gets business by appealing to low cost targets of companies offering retirement/401k plans. Hence, the real problem is that I'm not your customer, my company is and I'm just an afterthought--much like this app seems to be!.SoAnnoyed20Version: 1.2.0

Login is junkThis app is so buggy at login. Sometimes it goes fast to your account and sometimes not at all. The spinning circle spins endlessly. You cannot even use the app at times. The need to fix the login process. It shouldn’t take 30 seconds for the FaceID to log you in to your account. Now my Prudential Retirement app has become an Empower app too, but that app logs in fast as always. But that is just because they are using the previous Prudential app with their name on it. Cannot wait until Empower breaks that app. Now, if this app does let you into your account, then it works fine and is a decent experience overall. The website is much better though for actual account management processes. There are less usable functions within the app. Fix your login please, as this has been an issue for at least 6-12 months now..ScottRockvilleMDVersion: 2.0.2

Buggy within seconds of using it for the first timeI just downloaded the app because it was the only option I had to access my account on my phone, so there’s a downside. Once I got the app, it asked me to add beneficiaries since I didn’t have one on file. Two bugs occurred in that process when selecting a date of birth. It only allowed me to choose the month and year and defaulted to the current day. As a result, both of my beneficiaries have incorrect birthdates because I can’t actually select the day; I can only select the year and the month. When trying to add a contingent beneficiary's address, no matter how hard I try, I cannot get it to populate with "United States of America" from the drop-down list. Therefore, my contingent beneficiary was never saved, as it is a required field that cannot be filled in from the drop-down. This was my experience with the app. I have no desire to use this app..Ajohnso30Version: 2.8.1

Impossible to Log InSomehow Empower has an email from a job I had 5 years ago they are using for dual verification on my account. I called their customer service line, took the please call me back option, got a call back 2 hours later, was told they would send me an email with a form I would need to send back to them to update my info so I’d be able to log in. Then the representative said they can’t actually help me and to contact my HR department. I didn’t get a form emailed to me - (I gave them a current email address.) I called back hoping to get a different representative that might just remove the old email address - which I don’t even know how they got, stayed on hold for 20 minutes and gave up. Called back hoping to use the - please call me back feature - it wasn’t offered. I don’t see any other way to contact them so hoping someone at Empower reads this review and fixes this odd system..AskingforaFriend0100Version: 2.5.0

Visually appealing, lacking general informationI was happy when my company moved our 401k from Transamerica to Empower - the last app was horrendous. Gave Transamerica one star and Empower gets two from me. This one is easier to navigate and to see the details of my investments. However, it doesn’t get a better review due to it’s lack of a helpful resource for app questions and the inability to see the $ invested in different types of retirement accounts (Roth vs 401k vs employer match..) in the app. I have clicked every button on this app to see my investment contribution categories. Upon not finding the answer, I contacted the email listed as the help email on the app. They gave me browser instructions and told me to call in. I called in and they gave me browser instructions too. How sad that for a simple thing, I have to log into the browser. Defeats the purpose of having the app..MM. .Version: 1.5.1

Can’t Access Self-Directed Brokerage AccountI cannot get access to my self-directed brokerage account on any of my mobile devices now. This is a huge step backwards. If I’m out in the field and have no access to a computer how am I supposed to access this? I can see my balance but am told to visit the website using a desktop to do trades. Up until a week ago I could trade in the field using my iPad. Called for help but was told I can not trade using mobile devices and will need to use a desktop. The app for mobile devices does not give access to the self directed account. Please get this fixed ASAP. You also should have notified customers of this issue when you knew of the problem as I spent hours trying to figure out the problem and find a way around it. In a mobile first world this is a huge step backwards. Please fix this soon guys..Jfraught23Version: 1.9.7

This is an unusable appIt is very disappointing that Empower has forced us to use the app if on a mobile device, which is all I’m ever on. Even though my password is correct, when Face ID is used, it says it’s not correct. I then get locked out for trying to login a couple of times. If I’m ever able to get in the app, it does not have near the features you get by being on the website. After calling and emailing, the only response I received was “oh well, that’s all we can do.” The mailed letter stated that this was the new, better way and that it wasn’t going to be changed. So unfortunate that the company can’t let us decide how we want to view our money and from what device. It’s also unfortunate that they don’t really seem to care what their customers think either, especially after seeing so many poor reviews for the app..GadaboutcatgirlVersion: 1.9.9

Wow.I’ve used several financial apps over the years and I must say this is the most problematic. 1. The main page seems to me to be extremely slow. Perhaps some things can be removed to make it faster. 2. There doesn’t seem to be a way to see the rate of return on each investment. I can only see the total return. And I can only see it for YTD. There are no other choices available, -even though it says there are at the top of the page. 3. Going back to the main page forces you to wait for that really slow page to reload all over again. Again, perhaps there could be less on the page in the first place. I would also recommend caching it for a certain amount of time. 4. The menu is very confusing. Perhaps fewer, and more common functions can be put at the top for easy access..NicknamethatwasnttakenVersion: 2.8.1

No customer serviceI’m not sure that this is the place to put your money but it’s the the company that my employer has for 401k, I just wanted to start a new retirement account so down loaded the app enter tons of personal information then it said for me to call customer service, stayed on hold for some time then was given option for a call back from them and they did , afte again given more information the guy OK you can have from 1%to100% with held and asked what is the 401k invested in? Is it a aggressive plan? How much does my company match? He said that he wasn’t allowed to discuss that but he would transfer my call and 20 minutes later….. nothing. I would hate to try to speck with someone about issues with my 401k if they show no interest in a new customer.Ni nickbameVersion: 2.1.7

Upgrade??My employer plan was Prudential, which was purchased by Empower. The initial takeover experience seemed ok, not really better or worse. The App changed it’s name & appearance about a year ago but none of the features changed so the app experience was status quo. Today the ”upgraded” Empower App became available & required. IT IS NOT AN UPGRADE! Not intuitive, not developed with iPhone standard interface protocols, and generally a mediocre user experience. The old one was better. I can appreciate the double authentication & enhanced security but the app is not smart enough to “recognize this device” when I tell it to recognize my phone. Empower, please hire some quality software developers who understand user interface & user experience are just as important as features. Yikes….Cascadia 65Version: 2.2.17

Worst “update” ever, now a worthless appIf you are lucky enough for it to let you log in it takes forever to load data and repeatedly gives error messages and says to contact a representative. Wish they would’ve left the other version of the app with the blue background as an optional way to log in as I had no problems accessing my account information on that version. To top it off, they took the ability to log in through the website from a mobile device. If I could take all of my money out of my accounts immediately I would and move it to one of the other companies I’ve used in the past, none of which were anywhere near this frustrating. No idea how they have a 4.7 star cumulative rating given that the vast majority of reviews I read are 1 star..CortezGVersion: 2.4.1

Horrible app and companyApp will only list the email from my former temporary employer as a verification method, so it is useless! Customer service is wonderful; however, the issue above never got resolved. Empower claimed to have mailed a check to my home on four different occasions. I first learned of this by receiving a letter via mail stating the check had not been cashed. I contacted customer service each time and with follow up. Always the same verbage. Ironically, I find it puzzling that I always received letters stating the check had not been cashed, but not one check. Finally, after more than one year, I received a check. I still do not understand the calculations and cannot log into the App and customer service says all the right things on the phone, but the issue still remains. I give up..Revenue GeneratorVersion: 2.2.17

Awful…I cannot believe that any company would entrust their employees’ retirement savings to a company who would put out an app like this. Where to begin: - the app is S-L-O-O-O-W! It takes forever to log in, even when you have FID enabled. - the information is updated slower (less frequently) than other retirement plan managers. - the functionality/interface is confusing: wanna see your rate of return per investment? Don’t go to Rate of Return. Go to Statements instead. And, once you’re there make sure you select “Statement on Demand” so you can see a static shot of each investment. Oh, you sold some funds and wanna exclude/filter those? Tough luck: there’s no way to do that, so you are forced to scroll through your $0.00 NAV investments. - did I mention that the functionality was weird? It’s also useless: wanna set the App Widget? Go to your Profile, select the Widget, Watch, Siri option, so it can take you to a page with a grayed out button that you can’t click to consent to use the Widget. Oh, the Widget does show up on your screen: it just displays nothing. I’ll stop here for now, but there’s no way this is a 4.8 App, considering the other other retirement apps that are out there..NycgreenbayfanVersion: 2.7.2

App Keeps CrashingAfter logging In and viewing my account I have tried multiple times to initiate a transaction. Every time I do the app crashes. Unfortunately there us no other way to log in via my phone. I’ve tried using the website via my phone however the only option to log in takes you directly to the app again. There is not an option to use a desktop version of the website to log in as over again it takes you to the app. I tried deleting the app and once again on the website it required me to download the app again. I will use my laptop later to log In and perform my transactions but this is a problem as it is obviously not always convenient to use a computer to not only access but perform account transactions..Merrys94Version: 2.3.1

Repeatable crashes, poorly designedIPhone 14 Pro Max 512G and previously XR 128G Go to balance over time and select any other date range, YTD for example. Repeatable crash. HSA data is terribly out of date. Why post it at all if it’s two weeks old or more? It is not useful at that age. Many settings such as retirement age and risk tolerance are not available in the app, it does not tell you this and you have to just go explore the website. Same for personal investments — all of these dramatically affect the retirement score which is the first thing you see when starting the app. Trying to compare investments is useless unless you download the PDF version. Navigating the app is like a phone tree, you must traverse through options to get to another selector to traverse through options. No way to get directly there. No way to store time periods (eg start date for compare) for future. App incredibly slow compared to my other apps even on fastest iPhone available When replying, realize I am not going to expose my email address and take more of my valuable time to send you emails on these issues..Rater1234Version: 2.1.7

Zero Stars would be more accuratePlease stop forcing us to use the substandard app that does not allow many transactions like the website. The app itself is fine but you’ve earned my utter contempt by disallowing browser web login on IOS devices. Not everyone even has a laptop these days so you are separating people from their own $ and investments and control. Not kind. Either support 100% functionality in the app or allow website login from mobile devices. If I could drop Empower as my 401k provider I would over this alone. Alas but that’s an employers choice so you’ve gotten away with it. Adding beneficiaries doesn’t work either. and since I can’t open in safari or chrome from iPad I have to go find a computer. Your service is terrible..No more cameras ;(Version: 2.8.2

Do not understand 4.7 starsThis app is not working. As of today after seeing high review and my app does load any of investment info, it displays as it has always the error msg we are working hard to... and then point me to a dead end the webpage does not load displays another error in red. I have uninstalled and then reinstalled same issue. This is crap. When will they finish working hard, please stop upgrading the app, it does not work or load proper info from my investment. For once provide a full fledged working app. If your excuse is that you do not find proper engineering ressources, then now is the time to hire the right ressources to remedy the app problems and solving the working hard in vain. There are plenty of qualified engineers out of work, help the economy and help the customers meet they productivity and life on the go by hiring..Los1memoryVersion: 1.6.3

App/Login Crashes, terrible software bugs, need developersThe website and the app almost ALWAYS direct me to a “404 error” every time I attempt to log in on the app. Just TERRIBLE interface. Why am I directed to an outside webpage to log in each time instead of just logging in on the app interface? And half the time I attempt to login on the website, the website errors out - and what’s worse is that it seems like no developer has touched the site, because it returns the technical error codes instead of a normal “oops we had an issue “ message on normally developed apps. Just a terrible portal with tons of issues, they need to invest in better infrastructure - I shouldn’t be fighting for my life to enter into the website EACH and EVERY time I try to log in..MinaBinaFoFinaVersion: 2.3.1

I really want to like this app, but…I really want to like this app. I don’t normally write app reviews but I’m hoping maybe devs will see this. I started using the app because my 401k is administered through Empower, and I liked the feature where I could link accounts in order to get a full picture of my finances. Well, linking accounts is a pain. Some don’t show up at all, other times the 3rd party links break and are impossible to restore. And sometimes none of my 3rd party accounts show up in the app at all. My guess is that my outside financial service providers don’t trust Empower’s security protocols, and/or they don’t update them often enough. Overall not a great user experience..GrrlgamerrVersion: 2.8.2

UnsatisfactoryI tried to use this app only to result in failure. The application is clunky and slow. I tried to choose my own password, but was only allowed to use the iPhone’s suggested strong password; this was because when I was signing up, I would select to choose my own password instead of using the iPhone’s suggested password, but when I would confirm the password, the same prompt came up, I chose the same option of choosing my own password, and it would clear the previously entered password: queue the Groundhog Day experience until I defaulted to the iPhone password. THEN, after repeated attempts to verify and receiving multiple codes, now I have to contact the system admins to get help. This app is not worth the effort..Unsatisfied PartyVersion: 2.1.8

App is not user friendlyI used to like this app, I could login and get all the necessary information on the overview page, including easy access to the professional plan management program I pay to participate in. Now, they redesigned the overview page and there is a lot of extra nonsense I don’t care about and no way to get to the plan management site to manage my portfolio. I have clicked through every page on the app and there is no access to this feature anymore. The only way I can see it is through the desktop site and that is hugely inconvenient. I will likely stop participating in that program since it is no longer easy to access when I need to. Please change the app back to the way it was before!.Disappointed DebsVersion: 2.2.8

Really poor design and implementation. Worst app in worked with in 15 yearsHi all, To begin with I like many others am using this on IOS devices. I’m forced to do so because the Senior Management at Empower will not allow you to use your web browser on a big IPad Pro. Really makes me angry because the IOS version is really lacking. I’m unable to perform the most basic tasks that I can easily accomplish on a web site. Over the last 25 years I have been using apple devices this is by far the worst app I have ever had to work on. Currently I’m on hold for over twenty minutes just to rebalance my portfolio properly. I plan on going to my company’s executive team and do my best to persuade them to dump Empower and use Fidelity, Charles Schwab or any other competitor..FirstviceroyVersion: 2.2.8

Forced to use app to login from a mobile deviceThis is the only financial institution that I have ever encountered that completely disallows accessing an account from a mobile device - I reached out to their support to see if there was any way to access from a mobile device with the following response: “To provide the best experience and keep your account information secure, our website can no longer be accessed from a mobile device such as a smart phone or tablet. In order to view your account information from a mobile device, you must download the Empower app.” The best part about it is that I no longer work for the employer that used them so I will be rolling over my accounts to other institutions..Ts__ts__tsVersion: 2.1.6

Not the app, but the companyThe app works perfectly for me, letting me get my accounts attached and lets me view everything I need to see. The only complaint I have is that a withdrawal usually takes up to 16 days, but I’ve had to wait now for almost 20 days. It’s not bad for the timing but there are two things that makes this really disappointing, 1) I’m in an unfortunate financial situation and needed the money asap 2) the longer it takes to get withdrawn, the more the account balance loses, as they keep taking money out of my account for some reason. If you want speediness, I would expect empower to be quite slow on transactions and withdrawals..YetinetVersion: 2.2.16

Not happy!!The app is glitchy. Empower needs to provide a link in the app to your broker for those with self managed accounts. It currently says you have to go to the website to get to your broker. Best part is if you go to the Website and try to login you CAN’T. It forces you back into the app and won’t let you login on the website. Tried deleting the app and going to the website but the website then forced me to download the app. Which is a doom loop process. Empower’s solution to this is to make have me go buy a desktop computer if I want to login to my brokerage account. I get it but I can’t carry a desktop computer around every time I want to make a trade especially if I’m working. PLEASE FIX THESE ISSUES.ClathrateshdibVersion: 2.5.0

Hate this appWhen I could just go to the Empower website and log in, I was able to easily see my balance and breakdowns by fund for any given date and had no problems navigating the site and managing my account. That is definitely not the case with this now required app. With the exception of maybe one section, there is no back button for returning to previous page--so you have to keep starting over from the menu. Additionally, I wanted to rebalance my fund, but was afraid to do so based on how the options are presented in the app (and the lack of clear instructions). Wasn't sure what I'd end up with. Really hate that I have to take up space on my iPad with this extremely annoying app..Skc123457Version: 2.2.0

Not user friendlyAfter attending a 401(K) meeting, I decided to enroll. Upon installing the app, (as it required me to on a mobile device), I went to register, following the prompts as instructed. After filling out all of my information correctly, I got to the screen to input my phone number and then it was unable to verify my identify. It instructs me to call a sales representative to assist in enrollment. I tried doing it on a computer instead, but the same issue arose. I’m the type of person who likes to do things on their own so that I have control of what I’m doing and signing up for. This inconvenience makes it that more difficult trying to enroll. After that, I decided it’s not for me to continue enrollment..CNO GamblerVersion: 2.1.8

Empower is not so empowering anymoreBeen using this app daily for years, I manage my own account and have been doing so pretty well partly because you had the ability to see exactly what the values were on indexes and how many shares you had in each account and what not. Well today I opened it up to find the app has changed. I can no longer see the price point for individual items nor how many shares of each item I own. I just see how much value of each item I have. One problem with that is that our fees come in the form of share reductions and that may not seem like a big deal but our office has had problems in the past where multiple reduction fees were taken out twice and the only people who caught it were the employees who use the app. With the features removed this app doesn’t give any true value of how your assets are doing on a short term basis and makes it more difficult to determine accounting errors. Maybe if the company wasn’t so invested in stadium rooftops they could provide a more empowering app..Just Another “Opinion”Version: 2.2.11

Useless in CanadaTo sign up you need a US Zip Code and a Social Security Number. I never got further than that, but I suspect it won’t deal with Canadian Banks or GST or HST. Don’t waste your time if you’re Canadian!.Jaross60Version: 2.8.3

Can’t put in canadian postal codeI went to create an account on my phone and it would not let me put letters into the postal code spot. so i didn’t even get past the login screen.Peyton.stuchVersion: 2.5.2

Very slowThe app is very slow.Boring_CanadianVersion: 2.4.3

Payoneer 💰Payoneer is an online payment platform that lets you transfer money from any corner of the world! A best and must have payment service for every blogger, traveler, freelancer, affiliate marketer, consultant, virtual assistant, business person, online sellers, and receivers. Earn $25 for free by joining Payoneer. Sign Up Now!AdvertorialVersion: 2026.04.22(2604.22)