💡 Quick Verdict
Albert is excellent for beginners who want guided financial help. The app analyzes your spending and automatically saves money when you can afford it. The Genius feature provides access to human financial experts. The downside is that premium features require a subscription, and the pricing model can be confusing.
✅ Pros
- Smart automatic savings
- Human financial experts (Genius)
- Cash advance up to $250
- No minimum balance
- Budgeting insights
- FDIC insured
❌ Cons
- Genius requires subscription
- Subscription pricing unclear
- Limited investing features
- No joint accounts
- Cash advance limits vary
- Some features feel pushy
What is Albert?
Albert is a financial app that combines automated savings, budgeting tools, and access to human financial experts. Founded in 2015, it uses AI to analyze your spending and automatically move money to savings when it detects you can afford it. The Genius feature connects you with real financial advisors.
Learn more about app safety in our Safe Finance Guide.
Smart Savings
Auto-saves based on spending
Genius
Human financial experts
Cash Advance
Up to $250, no interest
Budgeting
Spending insights & tips
Who Should Use Albert?
Albert is ideal for:
- People who struggle to save consistently
- Those who want human financial guidance
- Beginners needing budgeting help
- Anyone wanting small cash advances
Albert might NOT be for you if:
- Those who prefer free-only services
- People wanting investing features
- Users who dislike subscription models
- Those who prefer full control over savings
Not sure if Albert is right for you? Take our quiz for a personalized recommendation.
Albert vs Competitors
Albert vs Chime
Chime: Chime is completely free with better banking features. Albert is better if you value automatic savings and human financial advice.
Albert vs Dave
Dave: Both offer cash advances. Dave focuses on avoiding overdrafts; Albert offers more comprehensive budgeting and savings tools.
Albert vs Digit
Both auto-save based on spending patterns. Albert adds banking and human experts; Digit is savings-focused.
❓ Frequently Asked Questions
How much does Albert cost?
Albert has a free tier with basic features. Genius (human experts + advanced features) costs $12.99-$14.99/month or pay-what-you-want ($4 minimum).
How does Albert automatic savings work?
Albert analyzes your income and spending, then moves small amounts to savings when it predicts you won't need it. You can withdraw anytime.
Is Albert Cash advance actually free?
The advance itself has no interest or fees. However, Albert encourages tips (optional) and Genius subscription helps unlock higher limits.
Is Albert safe?
Yes, Albert uses bank-level security and funds are FDIC-insured through Sutton Bank up to $250,000.
Can I cancel Albert anytime?
Yes, you can cancel Genius subscription anytime. Your savings and any cash advances would still need to be repaid.
Ready to Try Albert?
See if Albert is the right fit for your financial journey