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
    PriceStaff

    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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    Customer ServicePunctuality & SpeedStaffLoan 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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      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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      Online & 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 Service

      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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      Online & App

      Reviewed July 15, 2025

      It’s not the worst app, but it’s definitely not the best. One of the biggest issues I have is how delayed it is with updating information. For example, if I have $500 in my bank account and I transfer $100 into Albert, it doesn’t reflect that change in my bank account for days. The same goes when money is added to my account like my paycheck it doesn’t show up in the app right away. I know that might seem minor, but I’ve used other financial apps that update instantly, and that’s how it should work.

      One specific situation that really frustrated me: I transferred $700 into Albert on the 3rd. On my bank side, it looked like the transfer had already gone through, so I thought that money was already out of my account. Then the following week, the $700 was actually taken out, making my account negative because I had already budgeted based on the first update. That really messed things up for me. I just think Albert could do a much better job making transfers and balance updates happen in real time or at least reflect more accurately what’s actually happening with your money.

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      Online & App

      Reviewed July 6, 2025

      I had cancel Albert. I gave another shot. It's horrible. They have changed the app, it's so sterile. I feel like an AI. No support if you try and look at your personal info or navigate the app. I immediately get locked in a page of spending more money for different useless services. It is no longer a helpful app to borrow on your paycheck, if you need a little cash before payday. It's just for someone to take our money. I wanted to extend repayment date. Not available on the app. I wanted to chat... not available on app. I wanted to turn off auto-pay. I am not permitted! It's my account, my money, this sounds illegal. And trying to cancel is horrible.

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      Reviewed June 27, 2025

      I am writing to formally express my frustration and disappointment with the recent experience I had with your service. I deactivated my Albert account on May 25, primarily due to the excessively high monthly fee for what amounts to a basic savings account and an optional early cash advance feature. However, on the very same day I attempted to cancel, Albert moved funds into my Rainy Day account, effectively preventing me from completing the deactivation process. I was only able to transfer those funds back to my linked bank account two days later, which delayed my ability to fully cancel the service.

      As a result of this interference, I was charged again in June, despite the fact that my account was already marked for deactivation. At no point was it clearly communicated that I would still be billed for the following month after initiating cancellation. This lack of transparency is unacceptable. I am extremely dissatisfied with this experience and find it misleading and unethical. I would never recommend this app to anyone and urge your team to review your cancellation and billing practices to avoid misleading future users in the same way.

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      Customer Service

      Reviewed June 20, 2025

      Albert took my paycheck and deposited it into their account without my authorization. I did not authorize Albert to take my paycheck. I told them to Stop direct deposit now and close this account, customer stop responding to my emails and texts! I'm waiting for my funds to be released into my checking account!!! Poor customer service! I regret getting this loan!!! Helppppppp.

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      Albert Company Information

      Company Name:
      Albert
      Website:
      albert.com