Albert: Budgeting and Banking

Albert is an all-in-one money app that brings budgeting, saving, spending, investing, and financial monitoring together in one place. The platform is designed to help users organize their finances, understand their spending, build savings, and manage different aspects of their financial life from a single app.

Manage Your Money in One Place

Albert provides tools for creating a monthly budget, tracking expenses, organizing spending, and viewing connected financial accounts together. You can also monitor recurring bills and identify subscriptions you may no longer use.

Automatic Saving and Investing

Albert includes automated money-management features that can move funds toward savings and investing goals. Eligible users can open a high-yield savings account and earn interest on their deposits, while investment options include stocks, ETFs, and managed portfolios.

Banking Features

With eligible direct deposit, users may receive their paycheck up to two days early, depending on when the payer sends the funds. The app also provides opportunities to earn cashback at selected stores and manage everyday spending.

Protect Your Money

Albert offers account, credit, and identity monitoring features designed to help users keep an eye on their financial activity. Real-time alerts can notify you when potential suspicious activity is detected, while credit score tracking provides another way to monitor your financial profile.

Albert Genius

Albert also includes Genius, an AI-powered financial assistant that can answer questions and provide information related to personal finances. It can be used as a tool for exploring financial topics and understanding different aspects of your money.

Instant Advances and Loans

Eligible customers may have access to Instant Advances ranging from $25 to $1,000, although not everyone qualifies and only a small portion of customers may qualify for the maximum amount.

Albert also provides access to other credit products, including an instant line of credit and personal loans. Availability, limits, fees, credit requirements, and eligibility vary depending on the specific product and customer.

Albert Features

• Monthly budgeting and expense tracking
• Connected account management
• Recurring bill tracking
• Subscription identification and bill-saving tools
• Automatic saving features
• High-yield savings options for eligible users
• Stock and ETF investing
• Managed investment portfolios
• Early direct deposit access
• Cashback at selected retailers
• Credit score monitoring
• Account and identity monitoring
• Fraud-related alerts
• AI-powered financial assistance through Genius
• Eligible cash advances and credit options

Investing With Albert

Albert gives users access to several investing options, including individual stocks, ETFs, and professionally managed portfolios. Investment services are separate from traditional bank deposits, and investing carries the possibility of losing money.

How Albert Helps With Everyday Finances

Rather than using separate applications for budgeting, saving, investing, and financial monitoring, Albert combines these functions into one mobile experience. Users can review their spending, work toward savings goals, monitor their accounts, and explore investment options from the same platform.

Some Albert features require a paid plan, while other financial products have separate eligibility requirements and terms. Availability, rates, fees, and product conditions can change, so users should review the applicable terms before using a specific feature.

Important Information

Albert is a financial technology company and is not itself a bank. Banking services are provided by partner financial institutions. Savings and cash balances may qualify for FDIC insurance when applicable conditions are met, while investment accounts are not FDIC insured and are subject to investment risk.