How to Cancel Your Albert Subscription

Looking to cancel your Albert Genius subscription? You’re in the right place.

You can cancel Albert through the app in about 5 minutes, or contact their support team via text, email, or phone.

Unlike some financial apps, Albert makes cancellation relatively straightforward—but there are important details about refunds, billing cycles, and what happens to your money that you need to know.

This guide covers all three cancellation methods, explains the refund policy (spoiler: there’s no prorated refund), and walks you through what to expect after you cancel.

We’ll also show you how to avoid common issues like being charged after cancellation.

Quick start: According to a 2025 CNBC survey, 73% of Americans are experiencing financial stress, and unnecessary subscriptions are a major contributor. Source: CNBC Financial Stress Study

What is Albert Genius?

Albert Genius is the premium subscription that costs $14.99 per month. It’s not just a subscription, it’s essentially the key that unclocks most of what makes Albert useful.

Here’s what you lost when you cancel Genius:

1. Cash advances up to $250 (interest_free, but requires Genius)
2. 24/7 access to financial advisors via text and video chat
3. Smart Savings automated transfers (the algorithm that finds extra money to save)
4. Investment features with as little as $1 minimum
5. Cash-back rewards on debit card purchases (up to 20% on some purchases)
6. Fee-free ATM withdrawals at 55,000+ locations
7. Identify protection and credit score monitoring

Once you cancel, your basic Albert account remains active. You’ll still have access to your Albert Cash account (checking), basic budgeting tools, and any money in your Albert Savings account. You just won’t have access to the premium features we just listed above.

What You Need Before Canceling

Don’t start the cancellation process unprepared. Here’s your pre-cancellation checklist:

Also, one more thing.. There’s a timing factor to consider as well.

You can cancel within 30 days of creating or reactivating your account without being charged. However, after 30 days, there’s no prorated refund. You will have access until the end of your billing cycle, but you won’t get money back for unused time.

Method 1: Cancel Through the Albert App

This is the quickest way to cancel. It takes about 5 minutes from start to finish.

Step-by-Step Instructions

1. Open the Albert app on your iPhone or Android device
2. Tap the Profile icon at the bottom of the screen (looks like a person silhouette)
3. Tap Settings (the gear icon ⚙️)
4. Scroll down and tap ‘Subscriptions’ or ‘Manage Genius’
5. Tap ‘Cancel Subscription’ or ‘Turn off auto-renewal’
6. Follow the on-screen prompts (Albert may ask why you’re cancelling)
7. Confirm the cancellation when prompted
8. TAKE A SCREENSHOT of the confirmation screen. This is your proof.

Note: You should receive a confirmation within the app or via email. If you don’t see one within 24 hours, contact support immediately using the methods below.

Method 2: Cancel via Text Support

If you can’t find the cancellation option in the app (sometimes it’s hidden), text support is your next best option.

How to Cancel by Text

1. Open the Albert app
2. Go to Profile → Help → Contact support
3. Type 'Cancel Genius' or 'Cancel my subscription'
4. Alternatively, text them directly at 639-37 (no country code needed)
5. Provide your account details: Full name, email, and phone number associated with your account
6. Clearly state: "I want to cancel my Albert Genius subscription immediately"
7. Request written confirmation via email
8. Save the entire text conversation (take screenshots)

Support hours: Monday-Friday: 6 AM - 6 PM PT | Saturday-Sunday: 9 AM - 6 PM PT

Pro tip: Contact them right at 6 AM PT on a weekday to get in the queue before it builds up. Response times are typically under 2 minutes during off-peak hours, but can be longer during busy times.

Source: Albert Official Support Page

Method 3: Cancel by Email or Phone

If text support isn’t working or you prefer traditional contact methods, here are your backup options:

Cancel by Email

Email address: support@albert.com

Subject line: "Cancel Albert Genius Subscription - [Your Full Name]"

Email template:

Dear Albert Support,I am writing to request immediate cancellation of my Albert Genius subscription.Account Details:• Full Name: [Your Name]• Email: [Your Email]• Phone Number: [Your Phone]• Reason for Cancellation: [Optional]Please confirm this cancellation in writing via email and provide the date of my final charge.Thank you,[Your Name]

Response time: Typically 24-48 hours, but can be slower. Email is their slowest channel.

Cancel by Phone

Phone number: (844) 891-9309

Note: This is primarily for voicemail. Albert doesn't offer live phone support—you'll reach an automated system where you can leave a message. They'll typically call or text you back within 24 hours.

What to say in your voicemail:

1. Your full name and phone number (repeat it twice)
2. Email address associated with your account
3. "I am calling to cancel my Albert Genius subscription immediately"
4. Request email confirmation of cancellation

Pro tip: Call early on weekdays (Monday or Tuesday mornings) for faster callbacks. Avoid calling on Mondays after 9 AM—that's when wait times are longest.

Source: Albert Customer Service Guide - PissedConsumer

Albert’s Refund Policy

Most of you probably skipped the cancellation steps and were more concerned about whether or not you’re getting a refund. Well… Albert does not offer prorated refunds.

Let’s break down what this exactly means:

The 30-Day Window

If you cancel within 30 days of signing up or reactivating: You won’t be charged for that initial subscription payment. This is your ‘free trial’ window, even though Albert markets it as a 30-day trial before your first charge.

Example: You sign up on November 1st. Your first payment is scheduled for December 1st. If you cancel on November 25th, you won't be charged. If you cancel on December 5th, you're charged for the full month.

After 30 Days

Cancel after 30 days and you're charged for the full billing cycle. You keep access until the end of that cycle, but you don't get money back for unused time.

Example: You're charged $14.99 on December 1st for December 1-31. You cancel on December 5th. You paid for 31 days but only used 5. You keep access through December 31st, but there's no refund for the remaining 26 days.

What Happens After You Cancel

Canceling doesn't mean your account disappears. Here's the full picture of what changes and what stays the same:

What You Lose Immediately

1. Access to financial advisors (the 'Geniuses')—no more 24/7 advice
2. Cash advance eligibility (you can't request new advances, but must repay existing ones)
3. Smart Savings automated transfers (the algorithm stops finding money to save)
4. Investment features (no new investments, but existing investments remain)
5. Cash-back rewards on future purchases
6. Fee-free ATM access at the 55,000+ network (you may be charged ATM fees)
7. Identity protection and credit monitoring

What You Keep

1. Albert Cash account (your checking account stays active)
2. Albert Savings account (your money is safe—just can't use Smart Savings)
3. Basic budgeting tools (spending insights and transaction tracking)
4. Your debit card (still works for purchases, just no cash-back)
5. Existing investments (they don't disappear, but you can't add to them)
6. Direct deposit (if set up, it continues working)
7. Early paycheck feature (up to 2 days early—this stays active)

Should You Pause Instead of Cancel?

Albert doesn’t offer a ‘pause’ or ‘freeze’ option for Genius subscriptions. It’s all or nothing; either you’re paying for full access or you cancel and lose premium features.

Instead of canceling, consider these scenarios:

Temporary financial crunch: If you’re just having a tough month, use the financial advisors to create a plan instead of canceling.

Using cash advances regularly: If you rely on instance advances, calculate if $14.99/month is cheaper than overdraft fees or payday loans.

Building saving habits: The Smart Savings feature can save you more than $14.99/month if you struggle with savings.

But if any of these apply, you can go ahead and just cancel instead:

1. You haven’t used any Genius features in 2+ months
2. You found a better financial app (Rocket Money, YNAB, Monarch Money)
3. You’re trying to cut unnecessary subscriptions
4. The $14.99/month feels like dead weight in your budget

Albert Subscription Cost Breakdown

Here’s exactly what you’re paying and what you get:

Source: Albert Official Pricing

FAQs

Can I cancel the Albert Genius subscription without calling?

Yes. You can cancel directly through the Albert app without calling anyone. Go to Profile → Settings → Subscription → Cancel Subscription. If you can't find the option, text support at 639-37 or email support@albert.com. Albert doesn't require phone calls for cancellation, though they do have a voicemail line at (844) 891-9309.

What happens to my money in Albert Savings after cancellation?

Your money stays safe. Cancelling Genius doesn’t affect your Albert Savings account. Your funds remain FDIC-insured through Albert’s partner banks up to $250,000. You can still access, transfer, or withdraw your savings.

Can I reactivate my Genius subscription later?

Yes. You can re-subscribe to Genus at any time through the Albert app. Go to Profile → Settings → Subscription and follow the prompts to reactivate. However, if you reactivate, you'll go through the 30-day trial period again before being charged.

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