Albert vs Chime
Albert
albert.comChime
chime.comSide by side
| Figure | Albert | Chime |
|---|---|---|
| Price from | $19.99/mo | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 3 | 0 |
| Spec score · Automated Savings Apps | 8.3 (#5) | 7.0 (#18) |
| 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. | A Chime Checking Account is required to open a savings account. |
| Product | Albert is a mobile financial management service with budgeting and an AI-powered financial assistant called Genius. | Chime's App Store listing says its members bank fee-free; conditions apply (Chime footnote, could not read). |
Plans
In their own words
Albert
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.