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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.

Visit albert.com
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.

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.

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Albert Reviews

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    Page 1 Reviews 0 - 40
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    PriceRefunds & PayoutsStaff

    Reviewed Oct. 17, 2026

    I attempted to cancel my subscription twice with these people. Turns out I still got charged $39.99 overnight. I spoke to two people, and they both told me they don't give refunds, even when it was their mistake! I have kids to provide for. They showed absolutely no compassion. Now I'm out 40 dollars, which is financially devastating to me. They don't care about their customers. If you're looking for a cash advance company, look elsewhere!

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    Sales & Marketing

    Reviewed Oct. 7, 2026

    I agree with these complaints against Albert. I'm glad to know it's not just me being scammed.

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      Reviewed Sept. 22, 2026

      I HAVE NOT HAD AN ACCOUNT with THIS COMPANY in years, and THEY TOOK $9.99 FROM ME. I need it back ASAP.

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      Reviewed Sept. 18, 2026

      WELL I WAS TRYING TO BE A CUSTOMER BUT SOMETHING IS WRONG? I SIGN IN WHEN ALREADY CUSTOMER.

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      Customer ServiceSales & MarketingPriceOnline & AppRefunds & Payouts

      Reviewed Sept. 15, 2026

      Haven’t been on the app in in over 90 days, deleted from my phone, and was still charged at 3am. When I asked for a refund, Albert doesn’t do refunds in 2026. Don’t link your accounts to this app; you’ll regret it.

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      Punctuality & Speed

      Reviewed Sept. 14, 2026

      They won't release a canceled voided transaction even when their system shows merchant declined. Now I'm on street waiting.

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      Customer ServiceSales & MarketingRates

      Reviewed Sept. 14, 2026

      I call it a scam app. Rate as no stars, approved for 25 not let get funds. Said it was technical issue, got ahold of support. Said they're investigating. After 5 days said account suspended for no reason. They have all my info, think it's just to get your info then lock you out of app, I recommend this app to no one unless you want all your info exposed.

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      Sales & MarketingPriceOnline & AppLoan Process

      Reviewed Sept. 12, 2026

      I went on this company page to see if I could get a small loan download with the app and then they just keep charging me and made it very difficult to delete my account. Highly do not recommend.

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      Customer ServiceSales & MarketingPriceOnline & App

      Reviewed Sept. 4, 2026

      I have tried cancelling numerous times and they still charge. I go through their deactivate process, confirm deactivation. Then I ask for an email confirming deactivation so I can have something in writing, and a robot sends me another link to deactivate. I proceed to get charged again the next month. I try to remove my bank from Albert and they say I need at least one bank to use the app, I DON'T WANT THE APP.

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      Sales & MarketingPrice

      Reviewed Sept. 2, 2026

      This is a scam!!!! Do not trust Albert!!!! Scam Alert!!!! Do not sign up!!!! Do not trust them! They keep taking my money long after I cancel. This is complete b.s. You cannot get a hold of anybody to cancel. Don’t sign up!!! Don’t! Don’t! Nobody reaches out to resolve any matter. They just charge your card and ghost you!!!!

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      Loan Process

      Reviewed Aug. 28, 2026

      I was hacked and got put behind on finances. I reported it to Albert, and started working towards getting the debt from the hack resolved. I borrowed money out of my retirement to have dropped into the Albert bank account to resolve a matter with a creditor threatening to sue and Albert applied it to a different loan as soon as the money hit the account.. I asked for something back and they said since “smart money” automatically was turned on all of a sudden, the money was gone.. and there’s nothing they can do. This ruined my life.

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      Sales & MarketingLoan Process

      Reviewed Aug. 28, 2026

      Don’t waste your time - the worst app, deceptive advertising. They have no intention of providing loans - SCAM - why are they still in business?!!

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      Customer ServicePrice

      Reviewed Aug. 25, 2026

      This is the absolute worst app I've ever come across. I never even used this app and was charged over $30 the last 3 months for nothing.. I've texted and email only to be ignored!

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      Sales & MarketingPriceOnline & App

      Reviewed Aug. 24, 2026

      As others have mentioned, this app will defraud you. At no point did I sign up for the service. I don't even have an active account. Once I realized how many accounts it was requiring me to link, I decided not to subscribe and removed my bank accounts, and deleted the app. THEY ARE STILL CHARGING ME despite the fact I never signed up for anything. I reinstalled the app and sure enough, I don't even see an active plan and the account they ACH debited was removed. These people need to be sued and taken for everything they have got..

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      Sales & MarketingPrice

      Reviewed Aug. 19, 2026

      Albert is a scam; they keep charging my account even after I have cancelled 😠 on a number of occasions. I cancelled again yesterday and woke up to another 20 dollar charge. This institution is a joke and is 100% a scam.

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      Customer ServiceSales & MarketingPriceOnline & AppBillingRates

      Reviewed Aug. 13, 2026

      Avoid this app at all costs! I started using Albert years ago when it was only $5 a month for auto-savings. The last time I ever received an official email about a price increase from them was back in 2024. Since then, they quietly jacked up the subscription fee to an astronomical $39.99 a month without any clear warning, completely wiping out my savings progress. To make it worse, they trap you in a payment loop. They pull money in the background, and then the app blocks you from downgrading or canceling your subscription while your cash is "pending." They literally hold your money hostage so they can keep charging you. Predatory behavior. Do not trust them with your bank account!

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      Customer ServiceSales & MarketingOnline & AppBilling

      Reviewed July 12, 2026

      I, like many others, have tried to cancel this. I am on a limited budget, i.e. social security, and cannot afford for this money to be deducted from my checking account. I also never signed up for the monthly withdrawal. Trying to cancel has been a nightmare. The app said I had to empty my account and I have done so but the withdrawals continue. I have necessary bills to pay most important my phone bill. I live by myself and must have my phone in case of emergency. Don't even bother with the free account.

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      Customer ServicePriceBillingResolution

      Reviewed May 29, 2026

      Don't bother with it unless you've got some money to throw away. I cancelled my membership in February of 26 and was charged $19.99 for both March and May. When I attempted to rectify the situation, I was referred to a lawyer site which wanted me to provide a credit card to pay $5 Completely Refundable but I would be charged immediately $40 that day and $65 every month until I cancelled. Why should I have to pay a lawyer for their mistake? I couldn't talk to anyone on the phone until I paid. So, to date, they have made no attempt to solve my problem and repay me. Don't go there and spread the word. How many others have been taken for a ride with their crooked business dealings? There's even a class action lawsuit for military families who were charged transfer fees illegally. Unfortunately, I don't qualify.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsLoan Process

      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!!

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      Customer Service

      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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      Customer ServiceRefunds & Payouts

      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.

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      Sales & MarketingPriceRefunds & Payouts

      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.

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      Reviewed March 26, 2026

      This is the worst advancement app I’ve ever seen, lawsuit is filed against the company.

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      Sales & MarketingPriceOnline & AppStaffLoan Process

      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.

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      Customer ServiceSales & MarketingPricePunctuality & SpeedOnline & AppRefunds & PayoutsStaffRatesTransparencyResolution

      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.

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      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!!!!

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      Sales & MarketingHonesty & Transparency

      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.

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      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.

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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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      Verified purchase
      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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      Customer ServiceSales & MarketingPriceOnline & App

      Reviewed Aug. 28, 2025

      I’ve told it that it is not authorized to charge my debit card but it continues to do so. I’ve instructed them to cancel my account 3 times yet they refuse and keep charging me. I don’t even have the app in my phone anymore!!! For months!! There should be a class action on it.

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      Customer ServiceContract & TermsRefunds & PayoutsStaffHonesty & Transparency

      Reviewed Aug. 3, 2025

      I have been paying monthly fees to Albert and asked the rep. to close my account in June. Rep told me I owed $159.99 from 2020 so I paid it and was told my account was closed and they reimbursed me for one month instead of years of fees. Checked back to be sure the account was closed and customer service told me I had to pay an additional $150.00 and needed to settle up before my account would close and monthly fees would continue. The $150.00 was from the savings account and Albert tried to deduct the amount when I paid the $159.99 without my knowledge. Note that I have not ever been contacted by Albert about these past due balances that supposed happened in 2020. This business is shady, misleading and unprofessional with me and other customers who make their business run.

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      Reviewed Aug. 2, 2025

      They make you do app promo. and do not reward you in the slightest, they have no direct deposit bonus, and their system steals your card information without offering a cash advance! Stay away from this app!

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      Albert Company Information

      Company Name:
      Albert
      Website:
      albert.com