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How Albert makes money

We're on a mission to help millions of Americans achieve financial wellness.

Many features in our app, such as Albert Cash and budgeting, are free to use. Our paid subscription service unlocks more advanced smart features and lets subscribers chat directly with financial experts. By charging a small fee, we're able to provide a range of personalized financial services and products to our subscribers at a cost that's affordable to them.

Learn more about the primary ways we make money below.

 

Albert Genius Subscription

We earn most of our revenue through Albert Genius, our subscription service. With Albert Genius, you choose to pay what you think is fair — ranging from $8 to $16 per month.

 

Albert Cash

When you make a purchase using your Albert Cash card, Mastercard collects an interchange fee from the merchant, and we receive a portion of that fee. When you make an ATM withdrawal, we may charge a withdrawal fee.

 

Albert Instant

When you request an immediate Instant advance, we charge a convenience fee when repayment is collected. We never charge late fees or interest.

 

Albert Insurance

When you sign up for a policy with one of our insurance partners or tap to view promotional offers, we may receive a commission.

 

 

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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, Axos Bank, and Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Sutton Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 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. To be eligible for a direct deposit bonus, you need to receive a qualifying direct deposit and meet the spend requirements. Cash back terms apply. See app for details. To be eligible for savings bonuses, you must be subscribed to 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. Download to see if you qualify for Albert Instant. Repay the advance with your next paycheck. Fees may apply. When you join Albert, you’ll set up an Albert Cash account and a 30-day trial for Albert Genius as part of the sign-up process. If you cancel within 30 days of signing up, you will not be charged for your subscription. Your subscription will auto-renew until canceled. Even if you cancel, you can continue to access Albert Cash and Instant. If you cancel, you will lose certain benefits associated with your Genius subscription, such as Savings, Investing, access to Albert’s financial experts, free in-network ATM withdrawals, and more.

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Securities products and services offered to self-directed investors through Albert Securities, LLC Member FINRA / SIPC. Albert Securities, LLC, Albert Investments, LLC and Albert Corporation are separate but affiliated companies. For more information about Albert Securities, LLC, see FINRA Broker Check. Securities products are not FDIC insured or bank guaranteed, and may lose value.

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