Albert Genius Review

Albert Genius Review

What is Albert Genius

Albert Genius is a $6 a month subscription for texting a team of financial experts who create personalized plans for you based on your transaction history.

It’s part of the larger Albert financial ecosystem.  Besides Albert Genius, Albert offers $250 cash advances, a debit card, and a savings account.

You can text your genius 24/7 with questions about your finances.

You can sign up here.


For what you get, Albert Genius is cheap – dirt cheap!

Most consultations with financial planners cost $50 an hour and with Albert, you get someone who you can text 24/7 that has a live view of your transactions for only $6.

It’s good to get a second opinion from someone with a lot of experience seeing people’s financial situations.

The advice is basic and if you’re not super comfortable with personal finance, they can walk you through current personal finance best practices.

Some of the things that Albert Genius suggested to me were to have a 3–6-month emergency savings fund, pay down credit card debt, and to max out my 401k.

It’s also important to look at Albert in context with the rest of the services that Albert offer.

Albert offers cash advances, savings, and investment accounts and access to your paycheck 2 days early.

While you don’t need to be subscribed to Albert Genius to get all these benefits, you’ll get the most out of Albert if you’re a Genius subscriber.


While Albert Genius provides amazing value for the price, much of the information that they cover can easily be found with a quick google search.

Some of their geniuses are CFPs but they’ve been very careful not to claim that they’re providing financial advice – they’re financial experts.

Many suggestions from Albert include signing up for products offered by Albert or that they get commissions on.

The biggest one that comes to mind is their bill negotiation service.  It’s nice to have a button you can press to lower your bill but the fee of 40% of the savings for the first two years is very high.

I feel that you only need Albert Genius for a couple of months.

Once you have your financial house in order, you’ll generally find yourself texting your expert less and less.

It can still be worth staying with Albert to get their cash advance and early paycheck features though.

How Much Does Albert Genius Cost?

For monthly plans, Albert Genius costs a minimum of $6 a month.

Albert is one of those new fintechs that lets you pay what you want.  If you think their advice is worth $100 a month, they’re happy to charge that.

You can save and even get a bonus on Albert Genius by signing up for an annual plan.

The price for an annual plan is $72 vs $100 for the monthly plan.  If you sign up for an annual plan, Albert will even reward you with a $25 cash bonus.

Please note that if you cancel your subscription or your payment fails, they’ll take the cash bonus back.

Albert Genius has a refund policy where you can cancel your annual subscription within 30 days to get a pro-rated refund for the remaining 11 months.

How Do I Sign Up For Albert Genius

You can sign up for Albert Genius by downloading the Albert app in the Google Play or Apple App Store.

As you go through the in-app sign-up process, Albert will prompt you to sign up for Genius and offer you a Genius subscription for free for 30 days.

You don’t need to subscribe to Albert Genius to access some of Alberts’ most popular features like Albert cash advance and 2-day early pay.

If you’ve already downloaded Albert, all you need to do is go to the profile tab and tap upgrade to Genius.

How To Cancel Albert Genius

You can cancel Albert Genius by texting the word Cancel to the phone number 639-37.

If you don’t have that number saved, follow these instructions in the app

  1. Open the profile tab
  2. Click help
  3. Contact customer support
  4. Text cancel or cancel genius to the text message you’ve received

If you’re having problems, you can also email Albert at

Genius is not the only subscription or charge that you could get from Albert.

They also have a savings account that they charge you for and move money around to.  To delete your Albert savings account, text 639-37 or

Is Albert Right For Me?

Albert is perfect for people who want to learn more about personal finance and want a low-cost way to get help.

You can get your first month free and after the trial ends, pay less than $10 a month to get all this advice.

If you’d like to try out Albert Genius, click the button below.

About the author

Samantha Arevalo is a money expert who has been featured in Yahoo, MSN, and The Penny Hoarder. She's always looking for the money hacks that will get her and readers one day closer to financial independence.