Albert Reviews
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About Albert
Albert is a financial services app. It’s not a bank, but it offers banking services through FDIC-insured Sutton Bank. The aim is to help Americans reach financial stability. Albert has no monthly or overdraft fees. Along with banking, the app has savings, budgeting and investing services. For financial guidance, Albert offers Genius, a team of financial experts. Users can get an interest-free advance, cash-back rewards and early paycheck access.
- No monthly service fees
- Cash-back rewards
- Cash advance option
- No mobile check deposit
- App-only accessibility
What is Albert?
Albert is a financial services app that aims to help Americans achieve financial stability. The company is not a bank; its banking services are provided by Sutton Bank, which is FDIC-insured.
Albert offers simple services to make improving your finances feel less daunting. With options to save or invest automatically and an analysis of your financial habits, Albert streamlines the process of understanding your finances and building your wealth.
How does Albert work?
Albert is a mobile app available for both Apple and Android devices. There are no physical locations or accessibility options without using the app. Once you download the app, Albert asks you about yourself. This is so the app can better understand your individual financial situation.
Once that’s done, you’ll be guided to connect your financial accounts. This is when the Albert algorithm starts to work. It analyzes your income, spending and budget, finding ways to save you money and improve your overall financial wellness. The algorithm helps you spot issues such as unwanted fees, bill hikes and more.
For a small fee, you can also choose to take advantage of the Genius service. Genius allows you to ask any financial question at any time and get honest advice from a financial expert. This service is available day or night, so you can ask your question whenever it hits you.
Albert services
Albert offers a number of financial services. Whether you’re looking for banking, savings, investing or other services, Albert can help. Services the company offers include:
- Cash: This option includes a debit card, advance paycheck access, cash-back rewards, free ATM use with Allpoint machines, no minimum balance and no monthly fees.
- Instant: Albert can provide a cash advance of up to $250 with no late fees, interest or credit check. Get money instantly for a small fee, or within two to three days for no fee.
- Saving: The app analyzes your income and spending to help find ways to save you money. You can set it to automatically deposit into your account or choose your own schedule. You will receive an annual cash bonus on your savings.
- Investing: Buy individual stocks or choose company themes, like female leadership or sustainability. Genius creates a custom portfolio for you. You can set it to invest automatically on a regular schedule
- Genius: This is Albert’s only paid service. A team of experts is available to you 24/7 to provide honest financial advice and answer all your money questions. You pay the amount you think is fair.
Albert fees
Albert doesn’t have many fees. Since the goal of the company is to help Americans reach financial stability, Albert specifically doesn’t charge monthly service fees or overdraft fees.
There is a cost to use the Genius service, but the company allows you to pay what you think is fair. The current minimum for Genius is $6 per month. You can start investing with just $1.
Albert FAQ
Is Albert a real bank?
Albert is not a bank. It’s an app that offers financial services such as budgeting, investing and savings. Banking services are provided by Sutton Bank.
Where can I use my Albert card?
The Albert card is a Mastercard debit card, so you can use it anywhere Mastercard is accepted. You can also withdraw money without fees at any Allpoint ATM.
Is Albert FDIC insured?
Accounts with Albert are insured through the company’s banking provider, Sutton Bank, which is FDIC-insured.
Does the Albert app give you money?
The Albert app can provide you with an advance of up to $250. You can repay the advance when you get paid.
Still have questions?
Is Albert safe?
Albert is a safe app to use. Your money is FDIC-insured, with coverage up to $250,000. Albert has a number of convenient services that can make improving your finances a more painless process. It has a number of perks, including a lack of fees and cash-back rewards. Overall, we recommend considering Albert if you're looking for a mobile banking option.
Albert Reviews
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- 4,881,224 reviews on ConsumerAffairs are verified.
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Reviewed May 18, 2026
Signed up while exploring loan options and ended up paying for a membership I never even used. Trying to cancel took over an hour, support responses were painfully slow, and the process was way more difficult than it should have been. Very frustrating experience. Avoid this service unless you enjoy throwing away money!!
Reviewed May 15, 2026
1 star! This company sucks, you can't stop the constant emails from these idiots about your spending habits, your fees, etc., in your checking account once you cancel the subscription. Stay the hell out!!! I'm tired of the constant infiltration of my private business. Don't ever download this crap app. You'll regret it!
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Reviewed April 20, 2026
DO NOT GET!!! This place is a rip-off. I was hit twice for 19.99 for Albert Genius. Try getting to customer service is impossible. You can cancel this subscription and they refuse to give you a refund.
Reviewed March 29, 2026
They're a scam.. do not get involved with them. They make it impossible to get your money and they cost you way more than they make you. The only benefit is getting money advanced and every other app does it better than Albert. USE DAVE OR TILT.. stay away from Albert. I can't even get my money back or get them to stop touching my account. I'm probably going to have to get a new bank account. This is crazy.
Reviewed March 26, 2026
This is the worst advancement app I’ve ever seen, lawsuit is filed against the company.
Reviewed March 20, 2026
Horrible. They take your money and don't do anything like none of the stuff the app says it's does. I never received a loan and I been a member since last year. When you get to deactivate the app it takes you through a loop just to not be charged for anything anymore. They charged me 19.99 for what I still don't understand what they doing.
Reviewed March 12, 2026
I rarely write reviews, but after this experience, I feel like I should share what happened so others understand what they may run into. I have been using Albert since 2018. For years, it was a simple savings tool that helped me set aside small amounts of money. I appreciated the concept and stuck with the app for a long time. Recently, however, I noticed significant changes to the pricing and subscription structure, and it became unclear what I was actually paying for. When I tried to look into changing or canceling my plan, it was extremely difficult to find clear options inside the app.
After deciding to leave the platform, I tried to withdraw my savings and close my account. Getting my money out required multiple small transfers that had to process over time, which was stressful when you’re simply trying to close an account and move on. Once my balance reached $0, I attempted to follow the instructions provided to deactivate the account. Unfortunately, the process requires entering the last four digits of an Albert Cash debit card. I never had an Albert Cash debit card, so there was literally no way for me to complete the closure process myself.
I emailed support multiple times explaining this. Each time, I received automated responses directing me to AI chat or links that didn’t address the issue. I repeatedly had to explain the same situation: I had no debit card, the app required one to close the account, and I simply wanted the account deactivated. Eventually, the account was closed on their end, but only after multiple emails, screenshots, and repeated explanations. The entire process felt unnecessarily complicated and very difficult for something that should be straightforward.
What frustrated me most was the constant push toward automated or AI support, instead of being able to quickly reach a real person who could resolve the issue. As a customer who had been using the service for 7+ years, the experience was disappointing. To be clear, my funds were eventually transferred, and the account was closed. However, the process of canceling and closing an account should not be this difficult, especially for long-time users. I almost never leave reviews, but I felt it was important to share this experience for anyone considering using the app.
Reviewed Feb. 16, 2026
I never ok'd or committed to their monthly fee. In fact I deleted my acct which deactivated. It is what I was told, and they are still saying they are taking money out in March. BS. My acct is deactivated so that's fraud!!!!
Reviewed Feb. 15, 2026
It's misleading and lying it and accepts everybody. Turns nobody down and yet I have a job good credit note debt to nobody and it's would not give me ** so I wouldn't even trust this app. Anyways you get on there and try to get along and it tells you they have nobody for you but you can use one of our lenders so I'll scam just to get you to get on there and get your information and then scam you and then you'll get to know good credit bad credit job. No. That don't matter. If I didn't have to put a star it would get no stars.
Reviewed Jan. 29, 2026
I'd like to be a part of a class action on this company. I have tried several times to close my account, but they say they can't close it until the account balance is zero -- but they won't let me transfer the money to close the account. Always saying that they have to review my ID. Ok, so I showed them my ID and they still have not cancelled the account. Stay far, far away.
Albert Company Information
- Company Name:
- Albert
- Website:
- albert.com