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Albert
Covina, California, United States
What it is
Albert is a mobile financial management service for budgeting, account connections, and financial tasks. It automatically categorizes transactions, tracks spending and cash flow, and detects recurring bills and subscriptions. Users can link bank accounts, credit cards, loans, and investment accounts; Albert says it supports thousands of financial institutions. Plaid handles connections, while unsupported institutions may require manual entry. Genius, Albert’s AI-powered financial assistant, can create plans and help carry out transfers or investment transactions after review and approval. The service also offers scheduled transfers and interest on savings. Albert says information is encrypted in transit through Plaid and that it does not store bank passwords. Eligible Cash and Savings funds may have 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. Standard costs $19.99 a month; Family and Genius cost $39.99 a month. A 30-day trial is available.
For and against
For
- Automatic transaction categorization
- Links multiple financial account types
- AI assistant requires review and approval
- Available on Android, iOS, and web
- 30-day trial
Against
- No free plan
- Standard costs $19.99 a month
- Family and Genius cost $39.99 a month
- Unsupported institutions may require manual entry
The verdict
Albert combines budgeting, linked-account monitoring, and an approval-based financial assistant across mobile and web platforms. Its paid plans, partner-bank model, and account-connection limits should shape the choice.
Who it suits
Albert suits U.S. residents aged 18 or older who want budgeting, linked-account tracking, and assisted financial tasks. Users need an account at a U.S. bank or credit union.
Plans and prices
Standard
Investing · identity protection · credit score monitoring · debit card cash back
Read 7 Oct 2026 · help.albert.com
Family
For plan owner and up to 4 family members · Standard and Genius benefits
Read 7 Oct 2026 · help.albert.com
Genius
AI financial assistant · Standard plan benefits
Read 7 Oct 2026 · help.albert.com
On the record
- Account connections
- Users can link bank accounts, credit cards, loans, and investment accounts, and Albert says it supports thousands of financial institutions.help.albert.com · read 7 Oct 2026
- Banking limitation
- Albert states that it is not a bank and that banking services are provided by partner banks.albert.com · read 7 Oct 2026
- Budgeting
- Albert automatically categorizes transactions, tracks spending and cash flow, and detects recurring bills and subscriptions.albert.com · read 7 Oct 2026
- Connection integration
- Albert uses Plaid to connect to financial institutions, and unsupported institutions may require manual account entry.help.albert.com · read 7 Oct 2026
- Deposit protection
- Albert says eligible Cash and Savings funds are FDIC insured up to $250,000 through partner banks, subject to applicable conditions.help.albert.com · read 7 Oct 2026
- 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.help.albert.com · read 7 Oct 2026
- 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.albert.com · read 7 Oct 2026
- 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.help.albert.com · read 7 Oct 2026
- 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.help.albert.com · read 7 Oct 2026
- Product
- Albert is a mobile financial management service with budgeting and an AI-powered financial assistant called Genius.help.albert.com · read 7 Oct 2026
- Security
- Albert says information is encrypted in transit through Plaid and that it does not store bank passwords.help.albert.com · read 7 Oct 2026
- Support
- Albert lists [email protected] as a support contact.albert.com · read 7 Oct 2026