Albert vs Money App

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.

With Money App, you can access your earned wages early – even if your payday is weeks away. Get cash for groceries, gas, rent, bills, and other necessities when you need it. HOW TO GET YOUR FIRST ADVANCE: Sign up in seconds with your name, email and phone Connect your bank so we know where to send your money Get cash delivered right to your personal bank account WHY MONEY APP? Money App is an Earned Wage Access service that helps you access wages you've already earned, whenever you need them. - No Interest – 0% APR - No Credit Check - No Late Fees - No Hidden Fees - No Mandatory Fees - No Tipping Required YOUR MONEY, YOUR WAY Access your earned wages instantly and take control of your finances without the stress of waiting for payday. IMPORTANT INFORMATION: Money App is NOT a personal loan, payday loan, cash loan, or an app to borrow money. We provide an Earned Wage Access service that allows you to access wages you've already earned. REPAYMENT TERMS: Money App's advance service does not require a minimum repayment time frame. Money App's advance service does not require a maximum repayment time frame. Repayment occurs automatically via payroll deduction or through an autopay transaction linked to your bank account. If the autopay transaction fails, no additional interest, penalties, or fees are charged. You will not be eligible to request a new advance until your outstanding balance is paid. FEES: Money App has a 0% Annual Percentage Rate (APR) and no mandatory fees. You may pay an optional fee for expedited funds delivery. EXAMPLE: For a $50 advance with an optional Express Delivery fee of $6.99, your total repayment amount will be $56.99. If you request an advance of $100 with no optional fees, your repayment is $100. ELIGIBILITY: Not all users will qualify. Access to advances depends on having a consistent direct deposit into your bank account and meeting other eligibility requirements. YOUR DATA IS SECURE: Your data is securely stored using bank-level encryption technology. For more information about how we protect your privacy, please see our Privacy Policy at https://money.app/privacy. For complete terms, conditions and eligibility requirements, please visit: https://money.app Prog Services, Inc. (d/b/a Money App) 256 W Data Dr Draper, UT 84020