United States
activeFeaturedNeobank
- HQ
- Detroit
- Fee
- $0 on core spend/save
Albert
US money app with a subscription. Not a bank. Stride / Sutton / Wells hold cash.
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5.9Caution
AlternativesFive questions
At a glance
Is it a bank?
No. Albert is not a bank. The money sits with Stride Bank, N.A. / Sutton Bank (Cash); Wells Fargo, N.A. (Savings).
If it fails?
FDIC pass-through on eligible Cash/Savings at named partners, up to $250,000, subject to record-keeping. Investments are not FDIC.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
$19.99–$39.99 subscription plans (auto-renew) — the actual price
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
5.9
/10 · Caution
Albert is a subscription money app. Cash sits at Stride or Sutton; savings at Wells Fargo. FDIC is pass-through. The $20–40 plan is the catch. Ally Bank is the salary object on this list.
What it is
Albert Corporation is a Los Angeles fintech. The homepage says ‘Albert is not a bank.’ Believe it. Mastercard debit is issued by Stride Bank, N.A. Savings are at Wells Fargo, N.A. Plans auto-renew until you cancel in the app.
Best for: US users who will pay a subscription for a money coach and already understand the partner banks.
Last checked 2026-08-28. Not advice.
What it does well
- +Names the banks
- +Strong consumer app
- +Savings at Wells is a clear object
- +Mastercard debit exists
What to watch
- −Paid subscription is the business
- −Not a bank
- −Investing is not FDIC
- −Worse salary home than Ally
Who holds the money
The account
- Platforms
- iOS · Android
- Account types
- Cash · savings · invest (paid plans)
- Partner bank
- Stride Bank, N.A. · Sutton Bank · Wells Fargo, N.A.
- Minimum balance
- $0
- Lowest monthly fee
- $19.99–$39.99 subscription
- Who can open
- US consumers
- Availability
- United States
How money actually moves
- Who holds the cash
- Insured bank deposit
- How money moves
- ACH / USD
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Albert lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
FDIC pass-through on eligible Cash/Savings at named partners, up to $250,000, subject to record-keeping. Investments are not FDIC.
Who holds the money: Stride Bank, N.A. / Sutton Bank (Cash); Wells Fargo, N.A. (Savings)
- FDIC (partners)Not a bank. Cash via Sutton Bank / Stride Bank, N.A.; savings at Wells Fargo, N.A. · United States
Fees
- Monthly
- $19.99–$39.99 subscription plans (auto-renew) — the actual price
- FX markup
- Not a travel product
- ATM
- Partner debit schedule
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Budgeting
- Albert Cash debit
- Savings at Wells
- Investing sleeve (not FDIC)
- Identity monitoring on paid plans
Score
- Safety25%
- 6.4
- Fees20%
- 4.2
- Features15%
- 7.6
- App15%
- 8.2
- Global15%
- 2.8
- Support10%
- 6.6
Change log
Full logFees
Subscription plans $19.99–$39.99 remain the business
Not a bank. Cash at Stride or Sutton; savings at Wells Fargo. FDIC is pass-through. Plans auto-renew.
Available in
Straight answers
FAQ
01Is Albert a bank?
Albert holds a banking-style licence (FDIC (partners)). Still read the legal entity on the statement, not the app icon.
02How is money protected?
FDIC pass-through on eligible Cash/Savings at named partners, up to $250,000, subject to record-keeping. Investments are not FDIC.
03Where is Albert available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Albert.
04Card and wallets?
Albert lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Albert remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
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