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.

Pros
  • No monthly service fees
  • Cash-back rewards
  • Cash advance option
Cons
  • 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.

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.

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Albert Reviews

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    How do I know I can trust these reviews about Albert?
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    Page 1 Reviews 0 - 10
    Customer ServiceLoan Process

    Reviewed Jan. 23, 2026

    This company is fraud! They claim they are a loan company and when you apply they ask for your bank account and routing number and then all of a sudden deducting $68; $54; $11; $7 multiple times for what a damn savings account I never signed up for but they trick the consumers? I even emailed them telling their customer support and they completely ignored wth I had said. I just emailed them again and told them I never signed up for a damn financial institution to keep track of my money and told them I’m disputing everything. Idk who tf they think they are?

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    Refunds & Payouts

    Reviewed Jan. 21, 2026

    I’m writing this review because Albert did nothing for me but took money out of my account when it was not time to take it. I’ve been on messaging them for an hour back and forth for refund and they said it take 2-3 days when my bank said all they have to do is cancel the transaction. On their end to go back on my card they debited. I literally had 23 miles to empty on gas and only $13 for gas to get me work until Friday and now I have $3. I’m so frustrated with Albert, wouldn’t recommend to my enemy.

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      PriceRefunds & PayoutsRates

      Reviewed Dec. 5, 2025

      I have had with Albert! It is in anyone best interest not to get Albert or Genius, now I have been trying to close my account my balance is one cent. Note you can not close your account because you can't withdraw that one cent. But yet instill Albert continues to take 19.00 bucks out my bank account every month... Not worth the hassle and I want my money back.

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      Staff

      Reviewed Dec. 5, 2025

      I Don't care especially when Albert Corporation stole my money from my account and I don't know them people and I don't even have an account with them. I'm subscribed to Dave's and not Albert Corporation.

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      Price

      Reviewed Dec. 1, 2025

      Terrible!! Unauthorized charges and I can’t cancel!!! They just keep charging me!!! Make them stop!! They won’t stop changing me and closing the account is impossible! I’m being took for everything I have by this company!!

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      Honesty & Transparency

      Reviewed Nov. 25, 2025

      Multiple unauthorized withdrawals from my bank that were absolutely unauthorized. Basically use as license to steal. Very dishonest and too chicken shit to have actual customer support number. Will immediately be reporting to BBB. Very fraudulent service.

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      Customer ServiceTransparencyResolution

      Reviewed Nov. 21, 2025

      My experience with Albert has been extremely frustrating. After following every step they asked — including sending a selfie with my ID — they told me they “could not verify my identity” even though all my information was correct. When I asked for another review or the chance to resubmit documents, they told me there is no option to attempt verification again and that I should just close my account.

      Being denied access to your own account without any real explanation or second attempt is unacceptable. Instead of providing solutions, they pushed me toward account closure and gave generic responses with no escalation path, no supervisor review, and no real support. I’m shocked that a financial company can lock you out and refuse to verify you while still holding your balance. This whole experience has shown me that their customer service is rigid, unhelpful, and ultimately unsafe. I wouldn’t trust them with my money again.

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      Price

      Reviewed Oct. 6, 2025

      I have not had an account with Albert since few years ago and I have not opened up another account and they take out 39 every month for an advancement 30 in 2022. They will not stop. I even got a new account and somehow they started taking money out again this month. On top of it all thru want me to give them statements to prove I did not hey the advance but even if I did I have paid over the amount they say I did.

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      Punctuality & SpeedLoan Process

      Reviewed Sept. 18, 2025

      Most people on here complain they take money randomly as if they are stealing it. If people would take the time to read everything before just signing up to get money quickly then they would know that it says that they will randomly take small amounts to put into a savings account. It is still your money. In order to close the account you need to first empty out the savings. Then you can cancel the account. Never had an issue, and they are always there when I need a loan...

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      Price

      Reviewed Sept. 12, 2025

      Don’t trust it. It is one of the worst platforms you can get an advance from. You will be charged for multiple transactions. They will upgrade your membership without knowing. They will turn your autosave on without knowing and start taking little money from your account on a daily or weekly basis thinking that little money will go unnoticed.

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      Albert Company Information

      Company Name:
      Albert
      Website:
      albert.com