Albert
albert.com
What it is
Albert is a financial-management service for Android, iOS, and the web. It provides budgeting tools that categorize transactions, track spending and cash flow, and identify recurring bills and subscriptions. Users can connect bank accounts, credit cards, loans, and investment accounts; Albert says it supports thousands of financial institutions. Connections use Plaid, and unsupported institutions may require manual entry. Genius, Albert’s AI-powered assistant, can create plans and, after review and approval, help with transfers and investment transactions. The service also supports scheduled transfers and interest on savings. Albert says data is encrypted in transit through Plaid and that it does not store bank passwords. Eligible Cash and Savings funds may receive FDIC insurance through partner banks, subject to conditions. Investment accounts have SIPC protection against broker-dealer failure, not investment losses. Albert says it is not a bank; partner banks provide banking services. Plans are $19.99 a month for Standard and $39.99 a month for Family or Genius, with a 30-day trial.
Spec sheet
- Product
- Albert is a mobile financial management service with budgeting and an AI-powered financial assistant called Genius.Read 7 Oct 2026 · help.albert.com
- Security
- Albert says information is encrypted in transit through Plaid and that it does not store bank passwords.Read 7 Oct 2026 · help.albert.com
- Support
- Albert lists [email protected] as a support contact.Read 7 Oct 2026 · albert.com
- Headquarters
- Covina, California, United StatesRead 28 Sep 2026 · albert.com
- Account connections
- Users can link bank accounts, credit cards, loans, and investment accounts, and Albert says it supports thousands of financial institutions.Read 7 Oct 2026 · help.albert.com
- Banking limitation
- Albert states that it is not a bank and that banking services are provided by partner banks.Read 7 Oct 2026 · albert.com
- Budgeting
- Albert automatically categorizes transactions, tracks spending and cash flow, and detects recurring bills and subscriptions.Read 7 Oct 2026 · albert.com
- Connection integration
- Albert uses Plaid to connect to financial institutions, and unsupported institutions may require manual account entry.Read 7 Oct 2026 · help.albert.com
- Deposit protection
- Albert says eligible Cash and Savings funds are FDIC insured up to $250,000 through partner banks, subject to applicable conditions.Read 7 Oct 2026 · help.albert.com
- Eligibility
- The terms require users to be at least 18, reside legally in the United States, and own a bank or credit union account at a US financial institution.Read 7 Oct 2026 · help.albert.com
- Genius actions
- Genius can create plans and, after the user reviews and approves them, help carry out financial tasks such as transfers and investment transactions.Read 7 Oct 2026 · albert.com
- Investment protection
- Albert says investment accounts have SIPC protection up to $500,000, including up to $250,000 for cash, against broker-dealer failure; this does not protect against investment losses.Read 7 Oct 2026 · help.albert.com
- Platform access
- The terms identify the Apple App Store and Google Play Store for the app and also describe services available through Albert's website.Read 7 Oct 2026 · help.albert.com
Plans and prices
Standard $19.99 a month $19.99 a month Investing · identity protection · credit score monitoring · debit card cash back · fee-free in-network ATM withdrawals Read 7 Oct 2026 · help.albert.com
Family $39.99 a month $39.99 a month For plan owner and up to 4 family members · Standard and Genius benefits Read 7 Oct 2026 · help.albert.com
Genius $39.99 a month $39.99 a month AI financial assistant · Standard plan benefits Read 7 Oct 2026 · help.albert.com
Strong points and limits
Strong points
- Automatic transaction categorization
- Connects bank, credit, loan, and investment accounts
- AI assistant creates reviewed financial plans
- Scheduled transfers and savings interest
- Android, iOS, and web access
Limits
- No free plan
- Unsupported institutions may require manual entry
- Banking services come from partner banks
- Investment protection does not cover losses
Who it suits
Albert suits adults legally residing in the United States who have an account at a U.S. bank or credit union. It fits users seeking budgeting, connected-account tracking, and an assistant for approved financial tasks.
Verdict
Albert combines account aggregation, budgeting, and an approval-based financial assistant across mobile and web platforms. Review eligibility, partner-bank arrangements, and the distinction between protection and investment losses.
Where Specifiction places it
- Cash Advance Apps#1 of 158.3
- Automated Savings Apps#5 of 188.3