How to Cancel Albert in 2026 (Stop Cash Advances + Cancel Genius Subscription)
Updated 2026-02-20 · 5 min read
🤖 The Most Expensive Cash Advance App
Albert Genius costs $14.99/month ($180/year) — the highest membership fee of any cash advance app. For that, you get advances up to $250 and access to "Genius" financial advice from human advisors. But that advice is basic budgeting tips you can Google for free. At $180/year to borrow $250/month, you're paying an effective 72% APR — and that's without the express delivery fees.
Albert's Products
Albert Cash (free): Banking account, budgeting — no cash advances
Albert Genius: $14.99/month — cash advances up to $250, financial advice, auto-saving, investing
Albert Instant: $6.99-$14.99 express fee for same-day advances (vs 2-3 days free)
Albert Savings: Auto-saves small amounts — nice feature, but not worth $180/year
Albert Investing: Robo-advisor built in — better options exist (Fidelity, Schwab = free)
How to Cancel Albert Genius
Pay off any outstanding cash advance
Open Albert app → Settings (gear icon)
Tap Albert Genius
Tap Cancel Genius
Albert will try hard to keep you — they may offer a discounted rate
Confirm cancellation — you keep Albert Cash (free banking) but lose advance access
Delete Your Albert Account Completely
Cancel Genius subscription first
Transfer all money out of Albert Cash account
Sell/withdraw any investments
Email help@albert.com requesting full account deletion
Subject: "Account Deletion Request"
For data deletion: include "CCPA Right to Delete" in the email
Revoke bank access: Remove Albert/Plaid from your primary bank's connected apps
⚠️ Albert's Cancellation Is Notoriously Difficult
Albert has thousands of BBB and app store complaints about difficulty canceling. If in-app cancellation doesn't work: 1) Email help@albert.com in writing, 2) Cancel through your App Store/Google Play subscriptions, 3) If they still charge you, dispute with your bank as an unauthorized charge.
The "Genius" Advice Isn't Worth $180/Year
What Genius offers: Text a human advisor about budgeting, saving, and financial questions
What they actually say: Generic advice like "try cutting eating out" or "set up automatic savings"
Free alternatives: r/personalfinance (millions of members), NerdWallet articles, your bank's free financial coaching
Better paid option: A single session with a fee-only financial advisor ($150-300) gives you a personalized plan worth more than a year of Albert Genius texts
Free Alternatives to Albert
Cash advances: Your employer's earned wage access (ask HR), bank overdraft protection ($0 at most banks now)
Auto-saving: Your bank's round-up feature, Qapital (free tier), or just set up an auto-transfer
Financial advice: r/personalfinance wiki, NerdWallet, your library's free financial coaching
Budgeting: YNAB (34-day free trial), Monarch, or a Google Sheets template
🔍 Find What's Actually Draining Your Money
Instead of paying $180/year for Albert's generic advice, find the subscriptions draining your account for free. Upload your bank statement to JustCancel — you might find $100+/month in forgotten charges.