Latest Version
9.0.75
May 28, 2025
Albert - Budgeting & Banking
Finance
Android
0
Free
com.meetalbert
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More About Albert: Budgeting and Banking
The application is an all-in-one financial tool that combines budgeting, saving, spending, and investing features. It offers users the ability to monitor their identity around the clock, earn interest on their savings, and access advice from finance experts. The service operates on a subscription model, providing a free 30-day trial period before any charges are applied, giving users a chance to explore its features risk-free.
In terms of banking features, the app allows users to receive their salary up to two days early through direct deposit. It also offers cashback rewards at select stores, enhancing everyday spending. However, it is important to note that the app itself is not a bank. Instead, banking services are provided through partner institutions like Sutton Bank and Stride Bank, with accounts held at FDIC-insured banks for safety and protection.
The app emphasizes personal finance management by allowing users to create monthly budgets, track their expenses, and customize spending plans. It consolidates all user accounts into one interface for easier tracking of recurring bills and subscriptions. Additionally, it provides services to identify unused subscriptions and helps negotiate lower bills, aiding users in optimizing their finances and reducing unnecessary expenses.
Furthermore, the app features automatic saving and investing options. It intelligently transfers funds into high-yield savings accounts with attractive APYs, significantly higher than the national average, and supports investments in stocks, ETFs, and managed portfolios. It also provides robust protections by monitoring accounts, credit, and identity 24/7, alerting users to potential fraud, and allowing them to monitor their credit scores over time. Disclosures clarify its non-bank status, partnership details, fee structures, and the risks involved with investing, ensuring transparency for users.
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