Albert App Review: Should You Sign Up for Albert Bank?

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Staying on top of your finances isn’t easy. Albert is a modern financing platform that offers budgeting and money-management features for those who want to stay in control of their finances. Whether you want to track your daily spending or build an emergency fund, Albert has something to offer everyone.

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Whether it’s budgeting, saving, investing, or spending, Albert ticks all the boxes. The platform is ideal for using as a daily spending account or as a way of managing all your different current accounts and credit cards.

The app allows you to have an instant overview of your financial situation, including your net worth. Getting on top of your finances has never been easier than with Albert. The platform is more than just a banking app. It encourages you to save, manage your money, and earn cashback while shopping with selected retailers.

We’re breaking down everything you need to know about Albert, including the platform’s $150 sign-up bonus in this Albert App Review.

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What is Albert Bank?

Get ahead of your finances with Albert. The platform is designed to make it easy to monitor your finance by controlling everything from within the app. The platform promotes itself as a “new type of financial service that uses powerful technology to automate your finances”. Unlike other platforms, Albert isn’t manned solely by AI systems. You also have access to a team of experts to help you stay on top of your finances.

Albert is famous for its ‘Smart Savings Feature’ that utilizes an algorithm to monitor your spending. This feature saves small amounts every week into a separate savings pot within your account.

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One of the headline features is ‘Albert Genius’. As the platform aims to help with money management and budgeting, this feature connects you directly to a financial advisor. It’s worth mentioning that this feature isn’t free but instead operates as a pay-as-you-go feature. It’s entirely optional but ideal for those who want to get the most out of Albert’s money management features.

Albert recently saw a major update that includes ‘Albert Cash’. This free current account has no minimum balance requirement and keeps your money in an FDIC-insured bank for extra peace of mind. Albert is currently partnered with Sutton Bank for its FDIC-insured accreditation. Like most fintech banks, Albert has a cashback feature when you use your associated debit card in partner retailers.

One reason why Albert is so popular is that it gives you access to these features without a monthly fee.

Should you sign up for Albert Bank?

If you’re aiming to get control of your finances, Albert is the perfect choice for you. With its automatic savings and cashback features, it has something to offer everyone. The platform is largely free and an ideal way to start getting ahead of your finances.

If you struggle with setting aside money for savings or use multiple accounts, Albert can be a gamechanger. This platform allows you to link together all your current accounts and credit cards to give you an instant overview of your spending and expenses. Instead of using spreadsheets and tracking through multiple apps, Albert brings everything together with its innovative features and money-saving algorithm.

You could also use Albert for your daily spending to utilize its cashback feature. The platform has partnered with dozens of retailers and brands to give you cashback on purchases made with your Albert card. You can earn up to 20% cashback on certain purchases through this card.

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Albert also gives you access to early pay features. You can get paid through direct deposits up to 2-days early to give you more financial freedom. If you opt-in for Albert Genius, you can also get 1-on-1 advice from their team of experts.

You could use Albert as your daily current account to utilize all its features or operate it as a separate savings account. One reason you’ll want to consider signing up for Albert is its $150 sign-up bonus. It’s a generous sign-up incentive and doesn’t come with a heavy threshold requirement to get the free credit.

Have you also heard of Chime? Chime Bank has similar features with Albert. If you want to check it out, here’s our Chime Bank referral guide.

Albert Referral Program

You can use the Albert referral program to get a $150 signup bonus when you open your account through an Albert referral link, deposit at least $200 into your account, and spend $100 through your linked Albert debit card within 30 days.

Once your account is up and running, you can start using your own Albert referral link to earn extra credit. You’ll earn $150 credit for each person who signs up to Albert through your referral link.

The program caps you at $1,500 total bonus credit, meaning you can refer up to 10 friends to the platform. If you want to use Albert as a savings account, the Albert referral program is an easy way to maximize the value of your savings portfolio. If you want more information about the Albert referral program, read this Albert Banking App referral article.

How to Sign Up for Albert Bank

If you’re thinking of signing up for Albert, you’ve come to the right place. We’re breaking down step-by-step the sign-up process to show just how easy it is to get started with Albert.

1. Use our Albert referral link to open your Albert account

The first step is to sign up for your Albert account using our Albert referral link. This ensures that you’ll have access to the $150 sign-up bonus. An Albert account is free to set up and you can do everything directly through the app. We recommend downloading the app first and then using the referral link to set up your account. It’s worth flagging that the referral program won’t be mentioned until the final stages of your sign-up process.

Every step of the sign-up process occurs within the app. You’ll need to have proof of your identity and personal information on hand, including your social security number.

When you sign up for Albert, you’ll also be asked if you want to sign-up for an investment account. If you do so, you’ll also get access to the ‘Albert Genius’ feature. This investment account is optional, and you can decide to open one later if you don’t want to pay for Albert Genius right away. There’s no set price, but you’ll have to set up a monthly payment at your desired price to access Albert’s financial expert team.

Another optional feature that you can choose to add is ‘Albert Instant Cash’. This feature gives you the option to borrow up to $250, although it’s entirely optional when signing up.

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One feature you will want to opt-in for is Albert’s smart money-saving program. If you want to utilize the platform’s money management tools, you’ll want to opt-in for this. To use this feature, you’ll have to link your other bank accounts and credit cards to allow Albert to monitor your transactions. The data Albert gathers will feed into the algorithm that decides how much money to set aside into your savings account every week.

You’ll usually complete the sign-up process within a few minutes. If you decide to opt-out of the Albert Genius feature, you won’t have any fees attached to your account.

3. Spend $100 with your Albert card

The final requirement to get your $150 sign-up bonus is to spend $100 with your Albert card. This threshold is relatively low, and you could meet it by paying for your groceries, paying a bill, or using it for a weekend out with friends. The $100 does not have to be spent in one transaction, making it even easier to meet the requirement.

4. Your $150 sign-up bonus will be added automatically

One benefit of using Albert is that your $150 credit is added immediately to your account once you meet the above requirements. Other similar bank accounts typically make you wait between 5 – 90 days to receive your sign-up bonus after meeting the requirements.

Final Thoughts – Is It Worth It?

Wave goodbye to the headache of personal financing. Albert makes it easy to keep track of your spending and create a savings account through the platform’s algorithm. We’re a fan of Albert’s referral program as it’s relatively easy to get the generous $150 sign-up bonus.

If you sign up to Albert through our referral link and start referring friends of your own, you can earn up to $1500 credit. That could be a large chunk of your emergency fund or money to put towards a splurge purchase. We hope this Albert App Review has helped you.

Earn more rewards with Nearside bank! Read this Nearside referral article and learn how to earn more bonuses.

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