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Albert review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Albert suits US adults who want spending cash, small ETF investing and a credit line in a single app. The monthly account fee is $0 and the minimum deposit is $0, so the cost that matters sits in the borrowing APR of 36%.

Key facts

Best for
US adults who want spending cash, small ETF investing and a credit line in a single account.
Rate type
Variable↗
Minimum deposit
$0↗
Deposit protection
FDIC up to USD 250,000↗
Monthly fee
$0↗
Account kind
Easy access↗
Regulators
SIPC↗
Legal entity
ALBERT SECURITIES LLC↗
Headquarters
United States↗
Support channels
Email, Help-centre↗
Pricing model
No monthly fee
Official website
albert.com

Loans

APR
36%↗
Loan amount
$1,000↗
Credit check
Hard↗
Funding time
Transfer to an external account within minutes; transfer fee may apply↗
Lender type
Direct lender↗
Eligibility
18 or older, United States citizen or legal U.S. resident, owner of a U.S. bank account↗
Loan types
Personal, Credit-line, Cash-advance↗
Credit needed
Poor↗
Features
Same-day funding, Credit line

Robo-advisors

Minimum investment
$1↗
Investor protection
SIPC up to USD 500,000↗
Portfolio types
ETF↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
Trustpilot

Pros and cons

Pros

  • The monthly account fee is $0 and the minimum deposit is $0, so holding a balance costs nothing.
  • Cash sits in an easy access account with a variable rate type, so the return can move with rates.
  • Same day funding is included, and transfers to an external account can land within minutes.
  • Investing starts from $1 in etf portfolios.

Cons

  • The APR on borrowing is 36%, against 13.75% across the site.
  • The credit check is hard and the credit needed is poor, so a thin file can be declined.
  • Support runs on email and help centre only, so there is no phone line for questions about a loan.
Albert

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults in the US who own a US bank account and hold citizen or legal resident status.
  • People who want spending cash, ETF investing and a credit line in a single app.
  • Borrowers with existing credit who want a credit line alongside their cash.

Who should look elsewhere

  • Anyone outside the US, since eligibility is limited to US citizens and legal US residents.
  • Savers chasing a locked return, because the rate type here is variable.
  • People who want to phone a human, as support runs on email and help centre only.

Rates and terms

The rate you pay matters more than what the account charges. Borrowing runs at an APR of 36%, well above 13.75% across the site, so treat the credit line as a cost to price rather than extra money in the account. Cash sits in an easy access account with a variable rate type, so the return can move instead of staying locked. Loan products cover personal, credit line and cash advance.

Who runs it

Albert operates from the US, and its investing arm trades as ALBERT SECURITIES LLC, the entity filed with the SEC and FINRA. Support runs through email and help centre, so help arrives by email or through the help centre rather than by phone. On the lending side Albert is a direct lender, meaning it lends from its own book instead of a panel of lenders.

How Albert compares

Where Albert is available

Available
United States
Licence in United States
SEC, checked September 26, 2026
Licence in United States
FINRA, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to keep an Albert account?+

The monthly account fee is $0 and the account model is no monthly fee, so holding a balance costs nothing. The minimum deposit is $0, so you can open the account without tying up money. Charges matter mainly if you draw on the credit line.

What rate do you pay on the credit line?+

The APR is 36%, well above 13.75% across the site. Loan products cover personal, credit line and cash advance, so a personal loan, a revolving credit line and a cash advance are all possible. Price the line before you lean on it.

Does Albert run a credit check?+

The credit check is hard and the credit needed is poor, which points to the more demanding end of the market. A hard search is also visible to other lenders, so a rejection can follow you into later applications.

How is my money protected?+

Cash deposits sit under FDIC up to USD 250,000. Investments sit separately: the investing entity is ALBERT SECURITIES LLC and investor protection is SIPC up to USD 500,000, which covers investments rather than spending cash.

Who can open an account?+

Eligibility needs an adult United States citizen or legal US resident who owns a US bank account, so the app is not open outside the US. The investing side runs through ALBERT SECURITIES LLC, and the credit needed is poor.

Can I start investing with a small amount?+

The minimum investment is $1 and the portfolio types are etf, so a small sum is enough to hold an ETF portfolio. Many retail accounts lose money, and that share runs at 70.15% across the site.

How quickly can I move money in and out?+

Same day funding sits among the account features, and transfers to an external account can land within minutes, though a transfer fee may apply. The account kind is easy access, so cash stays reachable rather than locked for a term.

Who is Albert aimed at?+

It fits adults wanting spending cash, a small ETF portfolio and a credit line in a single app, with a monthly fee of $0 and a minimum deposit of $0. It does not suit savers chasing a locked rate, since the rate type is variable.

Sources

  • sipc.org/list-of-members checked September 26, 2026

    Backs: Investor protection, Legal entity, Regulators

    “reportingFileNumber=70459; name=ALBERT SECURITIES LLC”

  • albert.com checked September 26, 2026

    Backs: Loan amount, Credit check, Funding time, Lender type

    “Loans start at $1,000, and are subject to eligibility criteria and review of creditworthiness and history.”

  • albert.com/about/investing checked September 26, 2026

    Backs: Minimum investment, Portfolio types

    “Start with as little as $1”

  • albert.com/terms checked September 26, 2026

    Backs: APR, Credit needed, Eligibility, Features, Loan types, Support channels

    “Rates may range up to 36% fixed Annual Percentage Rate ("APR"), depending on your creditworthiness.”

  • help.albert.com/hc/en-us/articles/24564223634327-Albert-s... checked September 26, 2026

    Backs: Headquarters

    “Albert Corporation holds licenses in the following states: Florida - Consumer Finance Company CF9901561; Utah - Consumer Credit Activities”

  • moneyunder30.com/albert-review checked September 26, 2026

    Backs: Account kind, Deposit protection, Minimum deposit, Pricing model, Monthly fee, Rate type, Licences

    “This is the main account and there are no monthly service fees for Albert Cash accounts.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Headline rate, Term.

Albert

Albert

US adults who want spending cash, small ETF investing and a credit line in a single account.

8.9/10See alternatives