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BestMoney.com
Albert Review {year}
Optimizing your finances to grow your money
Reviews 45
Albert
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Albert
Albert
Poor
Reviews 45
Katy Ward
Nov. 15, 2022
2 min read
Katy Ward
Albert summary
Founded in 2015, Albert is a financial services app that enables you to combine saving and budgeting into a single platform. There is no minimum deposit requirement to open an account, and all funds are insured up to $250,000 through federally backed FDIC protection. Although the app is free to download, you can also upgrade to a Genius subscription, which will provide you with access to tailored financial help for between $6 and $16 per month.
Pros
  • Free to sign up
  • Automatically puts money into savings
  • Deposits insured up to $250,000 through FDIC insurance
Cons
  • 24/7 support not available
  • Phone support not available

Albert at a glance

4.6
Editorial score

Fees?

Most products are fee free
4.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
5.0

Customer service

Early morning, evening and weekend service with multiple communication options and a dedicated fraud team
4.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities
5.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits
5.0

Albert Albert Visit Albert

Advantages Over Traditional Banks

As an app-based solution, Albert offers easier account management than many traditional banks. Its Overview feature allows you to see all the information about your finances in one place. This includes: 

  • Spending broken down by category
  • Savings activity
  • Any subscriptions you may not be using
  • Hidden charges for any of your bills

This can allow you to plan your budget more effectively for the coming weeks, months, or years.  

Albert also charges lower fees than many of its traditional bank rivals, including no annual fees or direct-deposit charges.

Cutting-Edge Banking Services

By analyzing your income and expenditure, Albert’s Smart Savings feature can identify areas of savings for you.

Link an external checking account to your Albert app, and, when it has identified a potential saving, Albert’s algorithm will transfer this money from your checking account into your Albert digital wallet. If you later need access to this money, you can transfer it back to your checking account with no fees. You can choose to save a predetermined sum on a weekly, twice monthly, or monthly basis on top of this.

Rather than charging overdraft fees, the Albert app allows you to borrow up to $250 if cash flow is tight. This service is interest-free and doesn’t require a credit check. Albert will deduct the amount you’ve borrowed from your next paycheck before it’s deposited into your account.  

And, if you set up a direct deposit to have your paycheck paid into your account, you may receive your money up to 2 days early.

Traditional Banking Services 

In addition to its cutting-edge model, Albert has retained a number of the more useful features of traditional banking. 

You can, for example, use your Albert cash debit card to withdraw funds at more than 55,000 ATMs in the AllPoint network.

You can also earn between 5% and 20% cash back on purchases made on your Albert card at participating retailers such as McDonalds, Walmart, and Starbucks. This money will typically be deposited into your account within 3 business days.

Albert also offers a refer-a-friend bonus, which could allow you to both receive $150.

As your Albert cash debit card is part of the MasterCard network, you’ll also receive benefits such as the following.

  • ID theft protection: identity and credit monitoring alerts 24/7
  • Extended warranties: doubling the length of a manufacturer’s warranty by up to 2 years
  • Purchase assurance: up to $1,000 per claim
  • Cellular wireless telephone protection: covers the cost of repair or replacement on phones associated with your Albert account up to $200 (up to 2 claims per year)
  • Identity theft reimbursement: covers costs such as attorneys’ fees, court costs, lost wages, and notarization costs up to $2,500

Interest Rates and Fees

If you open an account you won’t pay any fees for monthly usage, card purchase, or direct deposits. The following will apply.

Savings bonus0.1% annual bonus (increases to 0.25% with Genius)
Genius subscriptionBetween $6 and $16 per month (pay what you think is fair)
ATM feeAllPoint network: $0
Out-of-network: $2.50
Cash advance fees
  • Advance to Albert card with direct deposit: $0
  • ACH transfer: $0
  • Instant delivery to Albert account: $3.99.
  • Standard delivery to bank account in under 10 minutes: $6.99
Foreign currency fee$0 through Albert (third party fees may apply)

Albert is currently offering $75 to customers who open an account and connect a qualifying direct deposit.

Customer Service and Online Experience

You can contact the company by email, text, or in-app messaging. When we contacted Albert over email, we received an extremely detailed response within 10 minutes.

Customer service hours are Monday to Friday, 6am-6pm (PT), and Saturday and Sunday, 9am-6pm.

If you upgrade to the Genius service, you’ll also have access to Albert’s financial advisors. Available via text, they can provide tailored financial guidance, which includes helping you build a portfolio of stocks from as little as $1.

Mobile App

To access any of the features described in this review, you’ll need to download Albert’s app from the Apple Store or Google Play. Alternatively, you can enter your cell number into the website and receive details of the app via text. 

Once the app is installed, you can:

  • Get direct deposits
  • View your overall financial health
  • Receive guided investment guidance from the Genius team
  • Deposit checks via mobile phone

Security 

With a dedicated fraud team, Albert offers a number of features to protect your data and your money. These include:

  • Password/username protection
  • Notification of unusual activity
  • Two-factor authentication
  • PIN code access 
  • Biometric logins
  • Protection of funds up to $250,000 through FDIC program

All your account and personal information is encrypted using a secure sockets layer (SSL), which offers the same level of security as all major banks.

There is also an extremely detailed privacy policyy on Albert’s website.

Summary

If you’re searching for a tech-friendly way to get your finances in order, Albert could be right for you. Its free-to-download app makes it easy to budget effectively and save money. In addition, upgrading to Genius could provide you with guidance tailored to your circumstances. Although Albert doesn’t offer phone support, this may not be an issue if you prefer digital money management.

Methodology

This review was compiled by using information on Albert’s website and provided by its customer service team.

Albert Albert Visit Albert

Katy Ward
Written by
Katy Ward
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about Albert
Albert
Poor
Reviews 45
on
Poor
7%
Bad
93%
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alex woodies
4 days ago
Albert started forcing customers to pay recurring fees
I used the Albert app for at least a couple of years and I had generally positive experiences. It was a great way to manage bills and finances. Recently, Albert has decided to force all existing customers to agree to a "Genius" subscription, an extra service that the company offers. There is no way to log in to your existing account to pull your funds or use the other services without agreeing to a minimum of $8 a month in recurring charges. Because a free month trial of "Genius" is offered, Albert seems to think they are allowed to actually force customers into a contractual agreement based on the fact that it is free for one month and you could seemingly cancel anytime. I am fairly sure that these practices are illegal and I have completely closed my account. I wouldn't suggest this brand.
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shea gillis
10 days ago
I don’t recommend
I don’t recommend, this card at all!! The customer service is only available via text messages which is very frustrating since you want to talk to someone and they don’t get back to each message for days at a time. When logging in there’s always some sort of trouble they say I don’t have an account or either my account is locked. I was also using the card in Mexico for a few months and the card worked fine then out of the blue the card stopped working so I contacted customer service via text and they said I don’t have access to use the card out of the country even though I’ve been using it for months before with no issues, and I never received any reason why I stopped being able to use the card internationally. Also, their genius plan is outrageous. It’s nothing more than getting charged extra per month for no extra benefits so I did not recommend.
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vanessa stephens
10 days ago
Albert is sorry bank and don't care about its customers
What went wrong was my phone was hacked my count got hacked because who ever was in my phone got into all my accounts and I have tried several times to get Albert to help me get my bank account back and finally they did and when they did I seen all these transactions that went through that I didn't do and I started trying to dispute them and every time they come back and tell me there was no error that I wouldn't be getting any money back so whoever had my account hacked and took this money out of my account just got money on my account for nothing and I can't even get it back and that's money that I have to spend on my bills and stuff because I'm on disability And I only get 600 a month. Do not use Albert do not if anything goes wrong you can't talk to a regular person unless it's through email and they don't want to do nothing to help you. I actually give it 0 stars but I had to give at least one. Is an Albert It's going to end up in court over this because over 2000 was taken out of my account and they refused to give it back to me. So I will take them to court and Sue them for every penny and whatever else I have to pay out for court cause lawyer fee all that they will pay since they don't want to give me my money back When I clearly contacted them and told them my account was hacked and things are happening in my account so see you in court Albert bank
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em
11 days ago
Lost Connection of Your Bank? Good Luck.
I've used Albert for about 5 years. It used to be an amazing "set it and forget it" savings app. Genius, also used to be optional. Now you have to pay a minimum of $8 a month (or $88 annually) to get the same savings features that used to be free. Lost connection with my bank and went back on the app just to be forced to subscribe to Genius just to even get access to my profile and reconnect it. Experienced errors trying to reconnect it and it took 2.5 hours over texting a bot to get my money back in order to cancel Genius. That's right- they have no human customer service that can help you readily available. Pretty shady if you ask me. Once I get my money, I am cancelling my Albert account. Don't waste your money trying to save it.
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ed f.
15 days ago
THIS APP IS ABSOLUTELY HORRIBLE!
THIS APP IS ABSOLUTELY HORRIBLE! They just take your money for their terrible Genius service and take forever to refund it to you. On top of all of that the tracking of your account is so far behind and the app is boring and laggy. If you need help your absolutely screwed because you have to text a random number and there's no possible way to call them. As a consumer that uses a bunch of these apps please please please use apps like Dave or Earnin over this one, same exact services but free.
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travis johnson
16 days ago
This app is horrible
This app is horrible. It’s not clear about fees. 144 was taken out of my account without me knowing. I wanted to organize my bills so I can budget better. This app made me miss bills.
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yeah right
17 days ago
Do not use them!
Do not use them!! Go to Dave or Earnin they are much easier to work with. Albert's system couldn't verify my identity what the? Texted their(what they call their csr 'genius') no help, got supposedly a supervisor involved same story. They did nothing for me. Forget this company not good!!!!!
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laura toivonen
22 days ago
I used to love Albert but now with the…
I used to love Albert but now with the new security updates I can not get my money out or access it in any way. The app tells me they can’t verify my id. There is no customer service. No one is willing to help! I would just like to get my money back and be done with it.
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jeannie halsey
24 days ago
Be warned..i opened an albert investing…
Be warned..i opened an albert investing account 4 years ago when my bank account kept getting charges i closed the account and opened a new one 2 years back. I decided about 6 months ago to close my Albert account and use a different service and they will now not release my money until they have statements from my closed bank account from 2 years ago. I cannot believe they refuse to release my monies unless i can show a old bank statement to validate i am who i am this is bad business all day long.on top of that you cannot get anyone live on the phone its all text or automated system.
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customer: katie
a month ago
Fake and fraudulent
Fake, fraudulent, and useless. Stopped responding to me once I inquired about charges to my bank account, can’t access ANY of my account info via the app and the website doesn’t even have the capability to allow you to, can’t see where any of these charged funds went or what they were even for, and the phone number for “customer support” doesn’t even allow you to speak to anyone. This is crazy , had to file a dispute with my bank.
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lori baggerly
a month ago
Too bad I have to give a star to review…
Too bad I have to give a star to review this mess. Total scammers. They will 6.99 you to death. They sign you up automatically then don't send the debit card, forcing you into a fee. They also sign you up for genius and charge you for that, too.
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max schuman
a month ago
Horrible, horrible, horrible
Horrible, horrible, horrible. I have $.17c in my account and they are making me open an Albert Card to withdraw the money to close my account. After doing this, it STILL won’t work. The customer service is useless. I’m not sure how I can cancel the service since they won’t let me.
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ariel brown
a month ago
Really complicated and cannot get my money out…
Really complicated and they are making it very difficult to get my money back. I am trying to close my account, but I cannot do that until I clear out the $80 I have sitting there. But then I cannot get the money out, because the link with my bank account is broken. When I tried to troubleshoot it, it seems like they are making it difficult on purpose so that I give up, leave the money, and keep getting charged the overly expensive subscription.
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dawninohio
a month ago
I moved my direct deposit over, worst mistake!
I moved my direct deposit over, my funds were released by employer the 26th, didn't show up on Albert until the 1st. I had no physical card yet, so I transfer my check to my old account. It's now 3 days later and it's not on either account. Effectively making my check 8 days late as of today. Excuse is ACH, but I transfer by ACH same day every month, instantly!! I am SO ANGRY. NO ONE gets $250 advance at first. Even if you check every box they require. Most get $10. It's a fraud, scam, and should be out of existence.
S
susan crowl
a month ago
Albert is the worst
Albert is the worst ! I used there direct deposit and the first time my check was deposited I had lost my card and before I noticed albert had taken 156 dollars for genius which I never subscribed to, they finally refunded it but the rest of my money was taken and I had froze my card but the damage was is already done and albert isn’t reimbursing me cuz the person who stole my card didn’t do a balance inquiry . Stupid. Don’t use albert they don’t care what happens to your money and that doesn’t make me feel comfortable if money is what your suppose to be protecting .. horrible customer service to boot! Customers always right even when they are wrong! 😡
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yvette ramble
2 months ago
If I could give them a zero I would
If I could give them a zero I would. I canceled my subscription and they still bill me a year later. Don’t do it… You have been warned.
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rushell marie naylor
2 months ago
Had no problem at 1st they always let…
Had no problem at 1st they always let me get. Money I switched banks they let me still get money I only needed bout 25 dollars it literally took them weeks to take the money I txt them they kept telling me it takes 3-5 business days "never happen like this before' it finally cleared weeks later and now that I need a little extra cash it's saying I'm not eligible at the time I don't recommend this b******* ass app or any of them for that matter!!!!!!
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roman skye
2 months ago
They left me with no money close to my…
They left me with no money close to my payday of an transaction I tried to authorize myself and it was an error to not accept payment and I refused to try to pay them AGAIN after I already paid my cash advances. And still after showing they did receive it, my account was already suspended anyway to not get any advances again. BUT, many times I've ran into errors on trying to pay them back the day I get paid and it wouldn't take it, but they'll pull it early in the morning with no notification and now I'm broke until payday. If you want something genuine to really try to help you save money, find somebody else and not these people. And I can't cancel anything if nothing's in my account... That's what has me baffled
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tina
2 months ago
Albert is a sham
Albert is a sham. There is absolutely nothing instant about it. Their idea of instant is about 2 weeks. Don't download the app if you're in an emergency & think you're about to get some instant relief. I will never again support this company or any company like it.
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fresh
2 months ago
I informed all my friends and family…
I informed all my friends and family and all my 20,000 followers not to ever think about this Albert. Noticed I've never opened account but I read like 100 bad reviews and you know what they say. Numbers don't lie!!!
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crystal robinson
3 months ago
DON'T USE
DON'T USE! They are very sneaky with their terms and you will never speak to anyone by phone. They took 200 to put in a "savings" and overdrafted my account and refused to pay my fees. Said I would have my money that I could use in the app and put it back on my acct in 3-6 days. Then once it was there they wouldn't let me do an instant pay to my acct. It was either use their card or wait another 3-6 days to have it transferred back! App is set to auto draft unless you go in and change settings
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natasha
3 months ago
This app completely sucks I put 50…
This app completely sucks I put 50 bucks on there for a rainy day and now they want all this information to get it back...smh it was easy to put the money on but hard to get it back. It's not worth your time they are worse then a BANK.
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tina cochran-marshall
3 months ago
Charged Overdraft Fees
If I could rate them a zero I would. They lie on how long it takes to receive your money then charge you monthly for geniuses for just withdrawing from your account. They base that withdraw off of what they think no please expect this amount to be put in savings. They withdraw it 2 times same day had to talk my bank into not charging overdraft fees. Now they owe me 12 dollars for genius for WHAT?
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christina
3 months ago
Don’t waste your time with them
Don’t waste your time with them. They can’t even verify a legal address for over a 60 years much less would I trust them with any financial aspects.
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pat welsh
4 months ago
If I could rate them Zero stars I would
If I could rate them a zero I would. They don't tell you until after they have all your financial information and you join, to go further you have to join another institution called genius. You have to give them your financial information as well they're going to run a hard hit on your credit report. They say that you can cancel at any time. If you don't join, you are stuck on their page and the site is useless. They should let you know before you join you are also going to have to join genius and give them your financial information as well. I canceled . You should run from this app
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racquel
4 months ago
This company sent me a text at 11:40 am…
This company sent me a text at 11:40 am on a friday saying my card was suspended for unusual activity. I had no unusual activity. I was in a car shop waiting on repairs when i got the text and frankly, it completely f'd up my day. they dont have real ppl you can call and talk to and they respond very slowly to texts. i begged them to turn my card back on because this card contained my whole paycheck. they replied 30 minutes later stating that their decision stands and that i had 10 days to transfer my money via ach out of the account. ach transfer as we all know take 2-5 busniess day. NOT INCLUDING WEEKENDS. total and complete BS. i was floored. panicked and had to borrow money to pay for my car. by far this has THE WORST EXPERIENCE EVER. I have reported them everywhere for this and will continue to do so for the distress they have put me in today.
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sean hagen
4 months ago
The most predatory app I've ever seen
The most predatory app I've ever accidentally downloaded. It's next to impossible to get rid of the app, cancel their "services", or get your money back. Scam program alert!
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hannah
5 months ago
Sketchy, with horrific customer service
Sketchy, potentially illegal business practices paired with terrible customer service makes Albert 0 stars for me. I noticed an unusual charge to my bank. I looked up the name, and it was for an Albert Genius subscription. I hadn’t had this app downloaded in years, and they don’t show up in my apple subscriptions, either. I re-downloaded the app, and there was also no subscription information there. You can ot log into their website, so there were no details there, either. I had to text for support, and apparently they’ve been charging me like this for THREE YEARS. I checked to see if I had any e-mails from the company… I had one, which did not indicate any form of subscription, from over a year ago. They would not answer my questions to support regarding whether they notify of the recurrent nature of their subscription. I have no confirmation e-mails, or receipts. When I continued to ask them for clarification, they stopped responding. STAY AWAY.
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james
6 months ago
Great support BUT very scammy! Forces you into $150 sale for checking account!
you think you're signing up for one thing by the end of "signing up" for a "high yield" checking account they're trying to charge you $150 paid monthly or what have you .. extremely outrageous. I was skeptical about the checking account but after going through and providing social security number etc they don't give you the checking account they force you into a 30 trial of a $150 service you didn't know about or ask for !! Unbelievable.
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jamar campbell
6 months ago
They are always trying to scam you and…
They are always trying to scam you and force you into absurd transactions with ridiculously high fees. This the worst cash advance app.
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barry
7 months ago
A company worth 0 stars.
If I could give 0 stars I would.I decided to do a optional verify ID,which would give me access to instant transfers.3 times I sent a clear,valid ID.After stalling for a while, they say they can't verify my ID and they can't tell me why!What kind of people run that bank? I've used my ID for all sorts of stuff and never had a problem,until now.I have deleted Albert from my life.
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aaron cortez thomas
7 months ago
THIS PLACE IS A RIP OFF
THIS PLACE IS A RIP OFF ! I signed up and all they do is sign you up for crazy unwanted stuff. And then you cant get anyone on the phone to cancel.
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robert chambers
8 months ago
Money is missing from my account and…
Money is missing from my account and there is no one to speak to and this app will not allow me to log on or reset my account. Where is my money and who runs this company?
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don holtz
8 months ago
Don’t download this app
Don’t download this app They stole $100 out of my account and tech-support refuses to contact me No email reply in their AI is a POS
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johnny buggs
8 months ago
The guarantee a 250 advance when you…
They guarantee a 250 advance when you sign up. All lies. You'll be lucky if you get $20. .
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dj
8 months ago
So I was broke down and needed a little…
So I was broke down and needed a little more cash than what I had so my wife sent me 150 . It wouldn't go thru, so my friend tried. Mind you I had recieved several transactions this way previously and they went thru instantly, well his didn't go thru either, they said transaction complete and when I tried for 3 days to figure out where this money went and why I couldn't access it customer service kept running me in circles asking for screenshots of the transactions payment ID and after I'd send it they would take an hr or 2 to respond then say hang on while I look into this for you. Then they said they saw the attempted transactions and in the very next message said oh I'm sorry I don't see the transactions I was seeing something else. Please send pics of iD numbers. I finally after 3 days got an attitude and told them I think they are just running me in circles and they said they were sorry , how much were the transactions. I've sent them 3 sets of screenshots ! W t f do you mean how much where the transactions. I swear to God some people 150 bucks is alot of money. It was the difference of me having a ride back and forth to a job which I lost because I couldn't get the money to buy the part and never have seen it! This app is a joke, I regret this more than the one time I poured gas on myself and lit me on fire because an app stole from me!
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nizar nassar
9 months ago
Horrible customer care
Horrible customer care. I filed a dispute for "goods or services not received" and they closed my account. Wouldn't even file the dispute even though it was a valid claim and I have all the evidence to prove it. Also, they still have not provided me with the documents which led to their decision, which is required by law for them to do so. So not only do they not care about customers, but they willingly break the law. I will be seeking legal action against this company. Your money is not in safe hands with this institution. I had my Albert account for 5 years and they closed it the first time I file a legitimate dispute. Not right at all!
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jody
9 months ago
Falsely claimed that I approved funds from my bank. App is deceitful
I wish I would have read these reviews before downloading. The app forces you to approve withdrawels from your back account. You cannot opt out or navigate backwards to avoid clicking the approval button. I was very careful not to hit it, and I got an email saying that I approved having anywhere from $1 to $100 removed from my bank account PER WEEK, based on what THEY THINK I CAN AFFORD. That's ludicrous, and I wouldn't think legal. Avoid this app
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ericka bell
9 months ago
If I could give this app 0 stars
If I could give this app 0 stars, then I would. I have money missing from my account, and I have tried contacting them in every way possible to get my money back. Then, when you qualify for an advance, they make up some lie that says you don't qualify. I will be taking this app to court over my missing money, and I am going to scream it from the rooftops to everyone not to use this app
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julie
10 months ago
I set up an account just to tide me…
I set up an account just to tide me over a bit . Paid it back then I noticed $37 withdrawn from my account I inquired about it and saw it withdrew it into a “rainy day fund “ which I didn’t set up then when I tried to transfer it back into my account they are saying it takes 6 business days ?!!! Excuse me ??!! How ? The money isn’t pending in my account and on the app it’s saying there’s $37 but I can’t get my money back !! The worst after I hopefully get it back I’m deleting it . Such a scam lesson learned .
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ryan
10 months ago
Has to be the Biggest POS financial…
Has to be the Biggest POS financial institution in North America. What an absolute let down, and with no one, and I mean No one to talk with.... If you have issues you are SOL. I advise anyone to stay away from this place.
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michi blake
a year ago
I NEEDED EMERGENCY FUNDS TO HOLD ME…
I NEEDED EMERGENCY FUNDS TO HOLD ME OVER TILL MY PAYDAY, I FOUND THIS APP AND IT STATED YOU CAN GET ADVANCES UP TO $250. SO I DOWNLOADED THE APP AND ANSWERED THIER QUESTIONS AND LINKED MY BANK ACCOUNT, THEN AFTER SETTING THE ACCOUNT UP, I BEGAN TO REALIZE THAT THEY ARE FORCING CUSTOMERS TO PAY A SUBSCRIBTION FOR TOOLS THAT I DID NOT NEED, WHEN I GET THOSE SAME TOOLS AND TRICKS FOR FREE THRU MY BANK AND JOB, WHEN THEY GAVE ME AN AMOUNT I KNEW THAT THIS APP WAS A SCAM!!!! THEY USE A HORRIBLE SOFEWARE TO MAKE THEIR DECISION OF HOW MUCH THE ADVANCE WILL BE. YOU LINK YOUR BANK INFORMATION UP AND THE SOFTWARE ANALYZE ALL THE WRONG THINGS INSTEAD OF ANALYZING THE DIRECT DESPOSITS THAT APPEARS IN YOUR ACCOUNT, YOU CAN BRING IN 4 THOUSAND A MONTH AND THIER SOFTWARE WILL STILL ANALYZE ANY THING OTHER THEN WHAT IT SUPPOSE TO. IT ANALYZE "YOUR FINANCIAL HEALTH" BUT WHAT THIS COMPANY FAILS TO UNDERSTAND IS A LOT OF PEOPLE COME LOOKING TO GET EMERGENCY FUNDS FOR EMERGENCIES, NO ONE IS INTERESTED IN ALL THIS EXTRA STUFF THIS COMPANY IS OFFERING! IM SURE THAT ALOT OF PEOPLE USE IT BUT ALOT OF US DONT!! SO THE APP APPROVED ME FOR 35 DOLLARS!!!! 35 DOLLARS WITH THE INCOME I BRING IN!! I BORROWED THE 35 DOLLARS AND TO MY DISMAY THE APP WILL NOT ALLOW YOU TO PAY THE LOAN BACK WHEN YOU WANT TO, SO IF IM TRYING TO PAY EARLY THE APP WONT ALLOW YOU, PLUS THAT HORRIBLE SOFEWARE THAT THEY ARE USING IS DELAYED HORRIBLY (PROOF OF THIS HAS ALSO BEEN ATTACHED) SO A 35 ADVANCE PLUS INTEREST PLUS A 6.99M FEE PLUS ANOTHER 8 DOLLARS FOR JUST 35!!!!! SERIOUSLY!!! PLUS REACHING OUT TO CUSTOMER SERVICE IS A HORRBLE THING AS WELL, YOU GET A LINK TO CLICK ON AND WHEN YOU DO IT SAYS "OOPS THE PAGE YOU LOOKING FOR DOES NOT EXIST" LIKE UMMM WHAT??!?!?, THE PROCESSING TO GET THE MONEY TAKES EXCESSIVELY TO LONG AND ALL YOU GET IS THE SAME LAME EXCUSE OVER AND OVER, SO ALL I WANT TO DO IS PAY THE REMAINING OF THIS ADVANCE I WANT ALL OTHER FEES REFUNDED!! I CANCELED THE SUBSCRIPTION, AND IM DONE WITH ALBERT!!!
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helena
a year ago
Non-existent customer service
Non-existent customer service. The support number you are supposed to text does not respond and I have yet to receive an answer from their support email. Really unacceptable to think people will trust this app with their money when you can't reach anyone! Will be moving my money elsewhere and deleting
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nate d.
a year ago
Simply awful
Simply awful. There's no customer support. They say they're "humans, not bots" but at least a bot would be able to reply. If you have an issue, the is no phone number to call. Fraud on the account? Good luck getting your money back. Paycheck locked as "pending"? Good luck trying to pay bills. Sucks that the app is actually kinda nice, but if there's no Support, I absolutely will not trust them with my money.
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naynay bourne
3 years ago
do not trust this app
This is meant to be a app to help with saving and finances. It completely sucks. The “geniuses” don’t answer you text back. Nor does it calculate your expenses correctly. I was also charged a yearly membership fee even though I had requested my account to be closed 2 weeks into trying the app. This request was made over a year ago.