Albert is a comprehensive financial management tool that helps users budget, bank, save, and invest more effectively. With Albert, users can manage their budget and spending across multiple accounts, track subscriptions, receive smart alerts to save more and spend less, and automatically save and invest. The platform also offers up to $250 in overdraft coverage, identity protection, credit score monitoring, and access to finance experts. Albert is not a bank itself but partners with various financial institutions to provide its services.

The platform provides users with insights into their spending habits, allowing them to track bills, subscriptions, and all their accounts in one place. Albert offers banking features such as overdraft protection up to $250, early direct deposit, and cash back rewards. Users can save smarter with automatic saving, goal tracking, and cash bonuses, while also benefiting from guided investing options that include automatic investments, buying stocks and ETFs, and managed portfolios.

Albert's services are provided in partnership with various financial institutions, including Sutton Bank, Coastal Community Bank, and Wells Fargo, N.A. Funds in Albert Cash and Savings accounts are held in FDIC-insured pooled accounts, providing up to $250,000 in insurance on a pass-through basis. The platform offers subscription plans with monthly fees for additional features like identity protection, credit score monitoring, and maintenance fees for enhanced services through Genius. Additionally, Albert provides investment services through Albert Securities and Albert Investments, with brokerage services and investment advisory services available to users.