Albert: Banking on you 4+

Bank. Save. Invest‪.‬

Albert Corporation

    • Free




Bank, save, invest, and budget — with a Genius team of money experts to guide you. Get up to $250 with Instant and set up direct deposit to get paid up to 2 days earlier. With Genius you can also earn cash back with your debit card, save and invest automatically, and protect your money.

Albert is not a bank. See disclosures below for details.


Our Genius team of human experts are here to help with any question, big or small. Budgeting, credit cards, student loans — even buying a home.

GET UP TO $250

Albert can spot you up to $250 from your next paycheck. No late fees, no interest, no credit check. Download the app to see what you qualify for. Details:
• No interest: no interest charged.
• Repayment period: no mandatory minimum or maximum repayment timeframe. Repay us when you get paid or when you can afford it.
• Total processing fees: for up to $250 advance, total processing fees are either (i) $0 per advance when you advance to your Albert debit card with direct deposit; or (ii) $0 per advance via ACH; or (iii) $3.99 per advance to your Albert debit card without direct deposit; or (iv)$6.99 per advance to a non-Albert debit card.


Genius tracks your income and spending to find dollars you can save automatically. Plus get cash bonuses just for saving. If you need the money you’ve set aside, withdraw it any time.


Invest your money with Genius. Buy stocks and themed ETFs. Plus, let Genius create a custom portfolio built for your financial goals.


Monitor your money for suspicious activity 24/7. We monitor the dark web, your accounts, and more. Get alerts for potential threats to your identity and catch early signs of fraud.


• Albert uses cutting-edge security technology to protect your sensitive information.
• Albert Cash and Albert Savings accounts are FDIC-insured. Should the member bank holding your balance fail, you'll be insured for up to $250,000 of your money in the account.
• Albert Securities is a Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at


Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Coastal Community Bank and Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Sutton Bank, Member FDIC, pursuant to a license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Cash withdrawal fees apply to ATM withdrawals.

Bonus and cash back programs subject to terms. Early access to direct deposit funds may vary depending on the payer’s deposit timing. See app for details.

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.

Securities products and services offered to self-directed investors through Albert Securities LLC, Member FINRA/SIPC. View important disclosures at

Advisory services offered through Albert Investments, LLC. Investments are risky: you could lose money, and past performance is no guarantee of future returns. For more information, see our Form ADV Part II and our Terms of Use at

What’s New

Version 8.2.24

We've refreshed the look of our app and updated the Genius tab to make it even easier to get advice from our team of finance experts. Plus, we've pushed a handful of fresh tweaks to enhance your experience. Enjoy!

Ratings and Reviews

4.6 out of 5
146.6K Ratings

146.6K Ratings

izzyn07 ,

Don’t do it!

The app itself with Genius is great and a great tool to use. Other than that- there is no phone number to reach them. They have a text genius number and it’s very vague you can’t text a real person. I got my direct deposit sent to Albert, payday came and I noticed I did not receive my money. I called my payroll department confirmed the acct and routing number, they sent me my check stub and everything was correct. I wrote an email to Albert and included the check number that was made out to them, the amount it was for, the date my employer deposited the check and they responded saying they don’t see that check number. They asked if I can send them a copy of my paystub - I did, literally minutes upon opening that email. I asked them for a phone number where I can reach them because I need my money ASAP - I need to pay my rent and my car payment. And I have yet to receive anything from them. I sent them another email through my work. Nothing. Don’t waste your time, energy or money on this company they are scam artist! Very disappointed- was really liking the navigation of the app. I went to Facebook to see if there’s any way maybe I can reach them through there and come to find out a lot if people are going through the same thing!!! Next step is contacting BBB see if we can get things moving along or getting them shut down. Nobody should have to go through this!

Developer Response ,

Hi there — we're constantly trying to improve our products and our support services. With millions of members, we've found the most effective way to offer support is through text (639-37) and email ( Please note, we're here to help Monday–Friday (6am–6pm PT) and Saturday–Sunday (9am–6pm PT).

Cthusky56 ,

Could be a Godsend

I’m navigating my way through right now & am finding it fascinating. I’m retired, I’ve had a terribly harsh run with life’s realities, with some terrible losses of friends & family, including my Dad & my dog. My two best friends are gone, I survived a heart attack from which I flatlined 3 times and was given a 1 in 1000 chance of survival and without being able to stop the aging process, I’m at a stage in life where I would like to ride off into the sunset comfortably. I care for elderly family, underprivileged and I rescue any animals I can. I worry about money, though it’s not the most important thing in my life. I love my God, my family and my friends. I tip everyone more than mostly everyone and that includes from Dunkin Donuts, to mechanics, to waiters, waitresses and many others. I donate to charities and homeless people and I won’t stop. I am somewhat reckless with my money, in that I probably waste a lot. I should be able to have a wonderful life now that I’m retired, but so far the two years have been tumultuous. If this app helps me to sleep easier without worrying I’ll run out of my nest egg then I’m all in. Thank you for this. I hope it works. So far the information is vast and as I preliminarily see, it could just be the answer I’m looking for. I’m much better with a rigid plan. This will keep me aware of what I’m doing & where I’m wasting & throwing money away unwisely.

Thuglyfeouthere ,

Great App with excellent and very useful services/functions!

Great app that is always very helpful. Many great uses. Genius can be helpful if you take the time with it. Rainy Day savings service is a cool idea but would be extra nice if it transferred immediately in case You decide never mind on it want to use it right away instead. However I won’t let an unreasonable expectation/ desire lower the rating because there is no bank in the world as far as I know that can guarantee instant everything… So just fyi if you’ve putting a 20 in the rainy day savings; expect not to be able to use it for a couple days. The purpose of savings is… to save… not put in there to use right away…. So the more I talk about it… The more it makes sense……. Yeah the advances can be great… if you wait it’s literally a free service… (I never do I choose to pay the instant fee every time hahahaha) but that’s a whole other…. Anyways… great spending tracker/budget allocator/fund manager… as well as a great debit card that functions just like any other banks debit card… completely free… (the only thing pay is genius and if you want your advance immediately and not have to wait a business day).. I can probably keep going but I’ll leave it at this… I recommend this too anyone that could use any of the mentioned services!

App Privacy

The developer, Albert Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Contact Info
  • Identifiers
  • Other Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics
  • Other Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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