# Albert: Budgeting and Banking — Organize. Budget. Save.

> All-in-one personal finance app for budgeting, saving, investing, and security. (iPhone/iPad app by Albert Corporation.)

- Source: https://appshunter.io/ios/app/albert-budgeting-and-banking/id1057771088 (this page in markdown: same URL + `.md`)
- Developer: [Albert Corporation](https://appshunter.io/developer/1057771087)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 327,995 App Store ratings · 3,538 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 235 MB
- Languages: American English
- Released: 2016-06-02
- Data updated: 2026-08-29
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/albert-budgeting-and-banking/id1057771088/reviews.md

## What is Albert?

THE ALL-IN-ONE MONEY APP
Budget, save, spend, and invest. All in one incredibly powerful app. Get 24/7 identity monitoring, earn on your savings, and ask Genius anything. Subscription required. Try 30 days before you’re charged.

ONLINE BANKING
Get paid up to 2 days early with direct deposit. Earn cash back at select stores. Albert is not a bank. See more below.

BUDGETING AND PERSONAL FINANCE MANAGEMENT
Get a monthly budget, track expenses, and customize your spending plan. See all your accounts in one place and track recurring bills. Find subscriptions you don’t use and negotiate to lower your bills.

AUTOMATIC SAVING AND INVESTING
Smart money automatically transfers money to help you save and invest. Open a high yield savings account to earn competitive Annual Percentage Yield (APY) on your deposits, over 9x the national average. Invest in stocks, ETFs, and managed portfolios. See more below.

PROTECT YOUR MONEY
24/7 monitoring on your accounts, credit, and identity. Get real-time alerts when we detect potential fraud. Plus, track your credit score.

DISCLOSURES
Albert is not a bank. Banking services provided by Stride Bank, N.A., Member FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Stride Bank, N.A., pursuant to a license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds in Albert Cash are held in a pooled account at Stride Bank, N.A. Cash and Savings account funds are eligible for up to $250,000 in FDIC insurance on a pass-through basis. Your FDIC insurance is subject to specific conditions being satisfied.

Albert plans range from $19.99-$39.99. Auto-renews until canceled or your Albert account is closed. Cancel in the app. See Terms for more.

Albert Genius is an AI financial assistant and can make mistakes. Information or recommendations by Genius are provided “as is” and may be inaccurate.

Instant Advances are available to you at Albert’s discretion. Limits range from $25-$1,000, subject to eligibility. Not all customers will qualify and few qualify for $1,000. No subscription required.

Instant line of credit issued by FinWise Bank, Member FDIC. Limits range from $25-$1,000, subject to eligibility. Draw fees apply. No subscription required. Terms apply.

Instant Loans are issued by FinWise Bank, Member FDIC, or Albert, under licenses in Utah and Florida. Loans start at $1,000, and are subject to eligibility and credit review. No subscription required. Terms apply.

Early access to direct deposit funds may vary depending on payer’s deposit timing.

Cash back subject to terms. 

High Yield Savings account interest rates are variable and subject to change at any time. Rates current as of 2/24/26. There is no minimum balance requirement. Genius is required to access High Yield Savings. Fees to use Albert may reduce the earnings on your account.

Brokerage services provided by Albert Securities, member FINRA/SIPC. Investment advisory services provided by Albert Investments. Investing accounts are not FDIC insured or bank guaranteed. Investing involves the risk of loss. Investing content provided by Albert Genius are research tools, not recommendations. More info at albrt.co/disclosures.

Credit score calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0.

Address: 440 N Barranca Ave #3801, Covina, CA 91723
No customer support available at this address. Visit www.albert.com for help.

## Key features

- Budgeting and expense tracking
- Automatic savings and investing
- 24/7 identity and account monitoring
- High-yield savings accounts
- AI financial assistant
- Bill negotiation
- Early direct deposit

## Chart rankings

- #54 in Top Free · Finance (US App Store)

## What do users think of Albert?

Overall sentiment: neutral

**Pros**

- 🚀 Convenient and helpful
- 📊 Good budgeting and savings tools
- 🤖 Useful AI-powered features
- 🤝 Responsive customer support
- 💰 Provides emergency cash advances

**Cons**

- 🔒 Concerns about security and privacy
- 💰 Unexpected/hidden fees and charges
- 🤖 AI-powered features not always accurate
- 🔁 Difficult to cancel or close account
- 🕰️ Slow processing of withdrawals and transfers

**Commonly reported bugs**

- Account verification and login issues
- Inconsistent automatic savings withdrawals
- Incorrect balance and transaction reporting

**Most requested features**

- Improved budgeting and expense tracking
- Ability to manually input bills and expenses
- Faster access to saved/invested funds
- Clearer communication of fees and policies
- Better customer support options (phone, etc.)

## Recent user reviews (10 of 3,538)

All indexed reviews: https://appshunter.io/ios/app/albert-budgeting-and-banking/id1057771088/reviews.md

### 5/5 — Just helps

*2026-08-24, version 10.0.64*

It’s a relief to know it’s there

### 1/5 — STAY AWAY!!!!!

*2026-08-24, version 10.0.64*

This is one of the worst fintech companies out there. The customer service is atrocious. You cannot reach anyone by phone. You have to text a number and wait for a “genius” to respond. That person may be AI, illiterate or just incapable - pick one.  The app will change your checking and savings account preferences and sign you up for things that debit your balance without your approval. In addition you may get an advance from this app once and then they will never approve you again. They canceled a direct deposit I had been getting from a state government financial body after over four years without me even knowing until I started getting checks in the mail.

### 4/5 — Great app

*2026-08-24, version 10.0.63*

4

### 5/5 — Awesome

*2026-08-24, version 10.0.63*

Very easy to use and a bunch of benefits

### 5/5 — LittleBigDog

*2026-08-23, version 10.0.63*

Awesome dude Albert is always there when I need him

### 5/5 — Helpful Albert

*2026-08-23, version 10.0.64*

This app helps you organize , save and budget so fast . It gives you helpful tips to save money and how are you spending . You have a personal banker in your pocket .

### 5/5 — Easy

*2026-08-23, version 10.0.63*

I like it. It’s helped me budget.

### 5/5 — Convenient

*2026-08-22, version 10.0.63*

Comes in handy but they do try to push you to get the extra services.

### 2/5 — App is a scam

*2026-08-22, version 10.0.64*

App use to be halfway decent, it’s just become a scamming predatory app. Sneaky hidden fees. The cash advance feature is a complete joke now, they make you have to pay a fee to withdraw, once you withdraw they send it to an external account that’s not your bank account and you have to pay to get it out of there. THEN TO TOP IT OFF, they don’t give you a reasonable time to repay. Not even until payday. What a joke.

### 5/5 — 😊 love it

*2026-08-22, version 10.0.63*

Money when you need it the most!

## Frequently asked questions about Albert

### What does Albert do?

Albert is an all-in-one personal finance app that helps you budget, save, spend, and invest. It provides tools for tracking expenses, setting up a budget, and managing your money. The app also offers features like 24/7 identity monitoring, high-yield savings accounts, and an AI financial assistant named Genius.

### What are the key features of Albert?

Key features include comprehensive budgeting and expense tracking, automatic savings and investing capabilities, 24/7 monitoring for your accounts, credit, and identity, and access to high-yield savings accounts. It also offers an AI financial assistant for personalized advice, bill negotiation services, and early access to direct deposit funds.

### How much does Albert cost?

Albert operates on a subscription model with plans ranging from $14.99 to $39.99 per month. A 30-day free trial is typically offered before you are charged. The app auto-renews subscriptions until canceled. Some features like Instant Advances, Instant Line of Credit, and Instant Loans may have separate fees or eligibility requirements and do not require a subscription.

### Is Albert compatible with my accounts?

Albert allows you to see all your accounts in one place, suggesting it is designed to connect with various financial institutions. While Albert itself is not a bank, it partners with FDIC-insured banks like Stride Bank, N.A., for its banking and savings services. Specific compatibility details for all account types would be available within the app or its terms of service.

### What are common use cases for Albert?

Common use cases include organizing personal finances by creating a monthly budget and tracking spending, automatically saving and investing money for future goals, protecting finances through identity and account monitoring, and optimizing financial health by finding unused subscriptions and negotiating lower bills. It's also used for earning interest on savings and tracking credit scores.

## Version history (last 5 releases)

### 10.0.65 — 2026-08-27

Bug fixes and performance improvements.

### 10.0.64 — 2026-08-21

Bug fixes and performance improvements.

### 10.0.63 — 2026-08-12

Bug fixes and performance improvements.

### 10.0.62 — 2026-08-07

Bug fixes and performance improvements.

### 10.0.61 — 2026-07-24

Bug fixes and performance improvements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*