The steps to close Albert

Albert is a mobile banking app that lets you borrow small amounts against your paycheck and manage spending. To close your account, you log into the app, go to Settings, select Account, and choose Close Account. Albert will ask you to confirm and may ask why you're leaving — answering is optional. Once you confirm, the account closes when ready, though any pending transactions may take a few days to finish processing.

Before you close, make sure you have no outstanding loans or borrowed money still owed to Albert. If you do, you'll need to repay that balance first — Albert won't let you close an account with an active debt. Check your account balance and transaction history to confirm everything is settled.

After closing, Albert will stop charging any monthly subscription fees if you had one active. Any money you had in your Albert savings or spending account will be returned to the bank account you linked when you signed up, usually within one to three business days.

Key Takeaways

  • You close Albert directly in the app through Settings > Account > Close Account, and the closure takes effect when ready.
  • You must repay any outstanding loans or borrowed amounts before Albert will let you close the account.
  • Money in your Albert account returns to your linked bank account within one to three business days after closure.
  • Albert stops charging subscription fees once your account is closed, even if you had an active plan.
  • You can reopen an Albert account later if you change your mind, though you'll go through the signup process again.

What happens to money still in your Albert account

Any funds sitting in your Albert savings or spending account get sent back to the bank account you originally linked to Albert. This is the account you used to fund Albert in the first place. The transfer usually completes within one to three business days, depending on your bank's processing speed.

If you're not sure which bank account you linked, check your Albert app settings or the email confirmation you received when you first signed up. Albert will send the money to that account automatically — you don't have to do anything extra to retrieve it.

Canceling Albert's subscription plan

Albert offers different subscription tiers, and closing your account stops all charges when ready. If you had a monthly subscription active, you won't be billed again after you close. You don't need to cancel the subscription separately — closing the account handles that.

If you want to stop paying for Albert but keep the account open, you can downgrade to Albert's free tier instead of closing entirely. This keeps your account active but removes the monthly fee. You can do this in Settings > Subscription without closing the account.

Outstanding loans and borrowed money

Albert lets you borrow money against your next paycheck through its Paycheck Advance feature. If you have an active loan or borrowed amount, you must repay it before you can close your account. Albert will show you the exact balance owed in your app.

Repay the loan through the app using the same bank account you linked to Albert. Once the payment clears and your balance shows zero, you can proceed with closing. If you close without repaying, Albert can continue to pursue collection through your linked bank account.

What to do if you can't close your account

If the Close Account button doesn't appear or you get an error message, the most common reason is an outstanding loan balance. Check your Loans or Borrowing section to see if money is still owed. Pay off any balance and wait for it to process before trying to close again.

If you've repaid everything and still can't close, contact Albert's support team through the app. Go to Settings > Help & Support and select Contact Us. Explain that you're trying to close your account and describe the error you're seeing. Support can usually resolve this within one business day.

After your account is closed

Once Albert confirms your account is closed, you lose access to all Albert features. You can't use Paycheck Advance, savings tools, or spending tracking through the app anymore. If you reinstall Albert later and try to log in, you'll be prompted to create a new account rather than reopen the old one.

Albert keeps records of your closed account for their own compliance purposes, but you won't see transaction history or account details in the app after closure. If you need documentation of past transactions for tax or financial records, take screenshots or read statements before you close.

Frequently Asked Questions

Can I close Albert without paying back a loan?

No. Albert requires you to repay any borrowed money before closing. If you don't repay, Albert can continue collecting from your linked bank account even after you stop using the app. Repay the full balance first, then close.

How long does it take for my money to come back after I close?

One to three business days, depending on your bank. Albert sends the money to your linked bank account automatically. If it takes longer, contact your bank to confirm they received the transfer.

What if I change my mind after closing?

You can create a new Albert account anytime by downloading the app and signing up again. You'll go through the full signup process, including identity verification. Your old account stays closed, but you can start fresh with a new one.

Will closing Albert hurt my credit score?

Closing the account itself doesn't hurt your credit. However, if you had an outstanding loan that went unpaid, that can show up on your credit report. Repay any balance before closing to avoid this.

Do I need to contact Albert support to close, or can I do it myself?

You can close entirely through the app without contacting support. Go to Settings > Account > Close Account and confirm. You only need to contact support if you run into an error or can't find the Close Account option.