Albert
Loan Amount : Up to $1,000
Get up to $1,000 in minutes
- APR : See Terms
- Loan Term : See Terms
- Credit Score : Poor to Excellent
- Updated for : Sat 13 Sep 2025
Terms and conditions apply
Overview
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 our finance experts 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. We’ll help 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.
Key Benefits
When you join Albert, you’ll set up an Albert Cash account and a 30 day trial as part of the sign-up process. Albert account holders will be charged a Genius account fee. Genius fees cost $12.49/month billed yearly or $14.99/month billed monthly. If you deactivate or close your account within 30 days of opening an account, you will not be charged the fee. The Genius fee will auto-renew until your account is deactivated or closed. Deactivate or close your account any time in the app.
With Instant overdraft coverage, eligible members can overdraw their Albert Cash account for ACH transfers, ATM withdrawals, debit card purchases, and other electronic transfers. Overdraft limits range from $25 to $250. The average approved overdraft limit is approximately $80 as of 11/1/23. Genius is required to access Instant overdrafts but you may cancel any time. Not all Genius customers will qualify for Instant overdraft. Fast transfer, ATM, and other applicable fees may apply. See app for details.
Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. We generally post such deposits to Albert Cash accounts on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.
Cash back rewards are subject to terms.
To be eligible for savings bonuses, you must have Genius and maintain a monthly average and ending balance of $10 or more. Bonuses for the month prior are paid by the 3rd of the following month.
Albert
Loan Amount : Up to $1,000
Terms and Conditions Apply
Terms
Albert is not a bank. Banking services provided by Sutton Bank and Stride Bank, Members 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 Sutton Bank and Stride Bank, 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 Sutton Bank and Stride Bank. Funds in Savings accounts are held at Wells Fargo, 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 $14.99 to $39.99. Auto-renews until canceled or your Albert account is closed. Cancel in the app. See Terms of Use for details.
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. Transfer fees may 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. Terms apply.
Early access to direct deposit funds may vary depending on payer’s deposit timing.
Cash back rewards subject to Terms of Use.
For High Yield Savings accounts, interest rates are variable and subject to change at any time. These rates are current as of 8/7/25. 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. 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.
The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits at albrt.co/id-ins.
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