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Written by Lorraine Roberte
Edited by Shawn Richardson

About Albert

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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

Bottom Line

Albert is a fintech app. It provides banking, savings, budgeting and investing services. It doesn’t charge any fees and has no minimum balance. You can get early paycheck access and a no-interest cash advance.

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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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