Albert: Budgeting and Banking

Albert - Budgeting & Banking

About this app

THE ALL-IN-ONE MONEY APP
Budget, save, spend, and invest. All in one incredibly powerful app. Get 24/7 identity monitoring, earn on your savings, and ask Genius anything. Subscription required. Try 30 days before you’re charged.

ONLINE BANKING
Get paid up to 2 days early with direct deposit. Earn cash back at select stores. Albert is not a bank. See more below.

BUDGETING AND PERSONAL FINANCE MANAGEMENT
Get a monthly budget, track expenses, and customize your spending plan. See all your accounts in one place and track recurring bills. We’ll help find subscriptions you don’t use and negotiate to lower your bills.

AUTOMATIC SAVING AND INVESTING
Smart money automatically transfers money to help you save and invest. Open a high yield savings account to earn competitive Annual Percentage Yield (APY) on your deposits, over 9x the national average. Invest in stocks, ETFs, and managed portfolios. See more below.

PROTECT YOUR MONEY
24/7 monitoring on your accounts, credit, and identity. Get real-time alerts when we detect potential fraud. Plus, track your credit score.

DISCLOSURES
Albert is not a bank. Banking services provided by Sutton Bank and Stride Bank, Members FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Sutton Bank and Stride Bank, pursuant to a license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds in Albert Cash are held in a pooled account at Sutton Bank and Stride Bank. Funds in Savings accounts are held at Wells Fargo, N.A. Cash and Savings account funds are eligible for up to $250,000 in FDIC insurance on a pass-through basis. Your FDIC insurance is subject to specific conditions being satisfied.

Albert plans range from $14.99-$39.99. Auto-renews until canceled or your Albert account is closed. Cancel in the app. See Terms for more.

Albert Genius is an AI financial assistant and can make mistakes. Information or recommendations by Genius are provided “as is” and may be inaccurate.

Instant Advances are available to you at Albert’s discretion. Limits range from $25-$1,000, subject to eligibility. Not all customers will qualify and few qualify for $1,000. Transfer fees may apply.

Instant Loans are issued by FinWise Bank, Member FDIC, or Albert, under licenses in Utah and Florida. Loans start at $1,000, and are subject to eligibility and credit review. Terms apply.

Early access to direct deposit funds may vary depending on payer’s deposit timing.

Cash back subject to terms.

For High Yield Savings accounts, interest rates are variable and subject to change at any time. These rates are current as of 8/7/25. There is no minimum balance requirement. Genius is required to access High Yield Savings. Fees to use Albert may reduce the earnings on your account.

Brokerage services provided by Albert Securities, member FINRA/SIPC. Investment advisory services provided by Albert Investments. Investing accounts are not FDIC insured or bank guaranteed. Investing involves the risk of loss. Investing content provided by Albert Genius are research tools, not recommendations. More info at albrt.co/disclosures.

Credit score calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0.

The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits at albrt.co/id-ins.

Address: 440 N Barranca Ave #3801, Covina, CA 91723
No customer support available at this address. Visit www.albert.com for help.

Ratings and reviews

I've used this app for over 10 months now and its gotten bad. The monthly price is outrageous, and trying to cancel your account is difficult at best, and not to mention when it autopays back it pulls out in random increments for no reason which adds unnecessary transactions. edit: they are now claiming that a transaction from over 2 months ago is still pending and that's why they can't close my account. what an absolute scam. I will be filing chargebacks if my account gets charged again.

This is probably the worst instant cash app I've used. Way too invasive restrictive. Minimal amounts, and have to pay it back in a week, even though I get paid every two. Kind of defeats the purpose. You can change the pay back date, but only after you've drawn, and only if you call their number. They also monitor your bank account, and draw small amounts whenever they want. You can't turn that off if you have an instant amount due. Try MoneyLion or Tilt.

WARNING!!! Horrible! they trap you, take different amounts of money from your account each month or multiple times a month and make it impossible for you to cancel your account! DOWNRIGHT SHAMEFUL! i thought I was good to go when they no longer had connection with my bank account.Unfortunately, that's not the case.They are still taking different amounts of money multiple times a month from me.

What’s new

Bug fixes and performance improvements.