Budgeting comparison
Albert vs MoneyLion
Updated
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Albert is a budgeting app and MoneyLion is a banking app. Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month, while The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month. We checked both on Oct 24, 2026.
Albert vs MoneyLion at a glance
Albert is a budgeting app and MoneyLion is a banking app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 8 of the 9 rows in the table below.
Price and fees
Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members. The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month. We checked both on Oct 24, 2026.
Free trial
Albert says you can try your plan for 30 days before you're charged. MoneyLion One has a 30-day free trial, then $9.99 a month unless you cancel. We checked both on Oct 24, 2026.
APY or rate
Albert lists 3.50% APY on its high yield savings account, as of Oct 24, 2026. Albert says the rate is variable. Albert says there is no minimum balance requirement, but you must have an eligible subscription tier to access High Yield Savings. MoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. MoneyLion says the rate is variable. No minimum deposit is required to open the account, and no minimum balance is required to earn APY. The 3.88% rate is tied to MoneyLion One membership. We checked both on Oct 24, 2026.
Opening and balance minimums
Albert says there is no minimum balance requirement for High Yield Savings. MoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY. We checked both on Oct 24, 2026.
Protection
Albert is not a bank. Funds in Albert Cash are held at Stride Bank, N.A. and Savings funds at Wells Fargo, N.A., eligible for up to $250,000 in FDIC insurance on a pass-through basis when specific conditions are met. MoneyLion is not a bank. MoneyLion Spend and MoneyLion Save are provided by Pathward, National Association, Member FDIC, and funds are FDIC insured, subject to applicable limitations and restrictions, when received into your account. We checked both on Oct 24, 2026.
Platforms
Albert lists iOS and Android. MoneyLion lists Web, iOS and Android. We checked both on Oct 24, 2026.
Bank syncing
Albert says it supports thousands of institutions to auto sync your balances and transactions. MoneyLion's help center says you can link your bank accounts to get spending insights from your linked accounts and your MoneyLion Spend account. We checked both on Oct 24, 2026.
Features
Albert lists goals, shared budgets, investment tracking and AI features. We haven't verified the features for MoneyLion yet. We checked Albert on Oct 24, 2026.
App store rating
Albert has 4.6 out of 5 on the App Store from 339,706 ratings. MoneyLion has 4.8 out of 5 on the App Store from 330,325 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
Albert$19.99a month
Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.
- MoneyLionLower price
$0a month
The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.
As of · moneylion.com/one
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.
At a glance
APY
- Albert
- 3.50% APY
- MoneyLion
- 3.88% APY
Source
- Albert lists 3.50% APY on its high yield savings account, as of Oct 24, 2026. The rate is variable. Albert says there is no minimum balance requirement, but you must have an eligible subscription tier to access High Yield Savings. albert.com/about/banking, as of Oct 24, 2026.
- MoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. The rate is variable. No minimum deposit is required to open the account, and no minimum balance is required to earn APY. The 3.88% rate is tied to MoneyLion One membership. moneylion.com/one, as of Oct 24, 2026.
Free trial
- Albert
- 30 days
- MoneyLion
- 30 days
Source
- Albert says you can try your plan for 30 days before you're charged. albert.com, as of Oct 24, 2026.
- MoneyLion One has a 30-day free trial, then $9.99 a month unless you cancel. moneylion.com/one, as of Oct 24, 2026.
App Store rating
- Albert
- 4.6339,706 ratings
- MoneyLion
- 4.8330,325 ratings
Source
- Albert has 4.6 out of 5 on the App Store from 339,706 ratings. App Store listing, as of Oct 24, 2026.
- MoneyLion has 4.8 out of 5 on the App Store from 330,325 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Albert
- iOS
- Android
- MoneyLion
- Web
- iOS
- Android
Source
- Albert lists iOS and Android. albert.com, as of Oct 24, 2026.
- MoneyLion lists Web, iOS and Android. moneylion.com, as of Oct 24, 2026.
Bank syncing
- Albert
- Yes
- MoneyLion
- Yes
Source
- Yes. Albert says it supports thousands of institutions to auto sync your balances and transactions. albert.com/about/budgeting, as of Oct 24, 2026.
- Yes. MoneyLion's help center says you can link your bank accounts to get spending insights from your linked accounts and your MoneyLion Spend account. help.moneylion.com/what-financial-tracking-does-moneylion-offer-H1G_aGAfF, as of Oct 24, 2026.
Minimums
- Albert
- Albert says there is no minimum balance requirement for High Yield Savings.
- MoneyLion
- MoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY.
Source
- Albert says there is no minimum balance requirement for High Yield Savings. albert.com/about/banking, as of Oct 24, 2026.
- MoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY. moneylion.com/one, as of Oct 24, 2026.
Protection
- Albert
- Albert is not a bank. Funds in Albert Cash are held at Stride Bank, N.A. and Savings funds at Wells Fargo, N.A., eligible for up to $250,000 in FDIC insurance on a pass-through basis when specific conditions are met.
- MoneyLion
- MoneyLion is not a bank. MoneyLion Spend and MoneyLion Save are provided by Pathward, National Association, Member FDIC, and funds are FDIC insured, subject to applicable limitations and restrictions, when received into your account.
Source
- Albert is not a bank. Funds in Albert Cash are held at Stride Bank, N.A. and Savings funds at Wells Fargo, N.A., eligible for up to $250,000 in FDIC insurance on a pass-through basis when specific conditions are met. albert.com/about/banking, as of Oct 24, 2026.
- MoneyLion is not a bank. MoneyLion Spend and MoneyLion Save are provided by Pathward, National Association, Member FDIC, and funds are FDIC insured, subject to applicable limitations and restrictions, when received into your account. moneylion.com, as of Oct 24, 2026.
Features
| Feature | Albert | MoneyLion |
|---|---|---|
| AI features | Listed by the source | Not verified yet |
| Savings goals | Listed by the source | Not verified yet |
| Shared budgets | Listed by the source | Not verified yet |
| Investment tracking | Listed by the source | Not verified yet |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Albert: albert.com/about/genius, as of Oct 24, 2026; Savings goals: albert.com/about/saving, as of Oct 24, 2026; Shared budgets: help.albert.com/hc/en-us/articles/27831335660183-What-is-an-Albert-Family-plan, as of Oct 24, 2026; Investment tracking: albert.com/about/investing, as of Oct 24, 2026.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Albert
App Store marketing imageApp Store image with the headline "See your money and stay on top of it" showing a home screen with an Inbox card and an Accounts list.App Store listing, as of 
App Store marketing imageThe home screen: an Inbox with a Large transaction alert, then Accounts with Albert Cash at $1,847.22 and a Third West Bank account at $992.83.App Store listing, as of 
App Store marketing imageA Large transaction card: Alpha Inc. charged you $1,257 on August 20, with a Show details link.App Store listing, as of
MoneyLion
App Store marketing imageApp Store image with the headline "One Premium benefits" showing the MoneyLion One membership screen.App Store listing, as of 
App Store marketing imageThe MoneyLion One screen: Membership unlocked with a direct deposit progress bar, then benefit tiles for daily cash back, savings APY, identity protection and investing, each with Activate now.App Store listing, as of 
App Store marketing imageA Membership unlocked card: deposited $524 of $500 with a progress bar and a Manage direct deposit button.App Store listing, as of
Budget
Albert
App Store marketing imageApp Store image with the headline "Track spending, find savings" showing a February spending screen with a line chart.App Store listing, as of 
App Store marketing imageThe Spending tab: $2,380.20 spent in February with a line chart, actual spend, budgeted $3,560 and last 3 months, then Remaining $1,180 with Auto budget and Categories buttons and a Rent row.App Store listing, as of
MoneyLion
No official screen found yet
Goals
Albert
App Store marketing imageAn Automatic deposits card with a ring chart: Savings 70% and Investing 30%.App Store listing, as of
MoneyLion
No official screen found yet
Reports and insights
Albert
App Store marketing imageA Spending by category bar chart from Sunday to Friday, with Restaurants and bars, Payments, Shopping, Transportation and Travel in the legend.App Store listing, as of
MoneyLion
App Store marketing imageApp Store image with the headline "Stay in control of your money" showing a Credit Monitoring screen with a score of 780.App Store listing, as of 
App Store marketing imageThe Credit Monitoring screen: a gauge at 780, Excellent, up 5.2 points, a See all activity button and rows for credit utilization, age of accounts, total balances and credit checks.App Store listing, as of 
App Store marketing imageA credit score gauge from 300 to 850 pointing at 780, labeled Excellent, up 5.2 points, updated May 30.App Store listing, as of
Bills and recurring
Albert
App Store marketing imageApp Store image with the headline "Find subscriptions and lower bills" showing a bills calendar and a Verizon bill of $123.99.App Store listing, as of 
App Store marketing imageA Bills and subscriptions calendar with marked days and Verizon, AT&T and Sirius XM rows, each with a Lower button.App Store listing, as of 
App Store marketing imageA Verizon bill of $123.99 with the next payment expected December 9th and a Lower your bill button.App Store listing, as of
MoneyLion
No official screen found yet
Investments
Albert
App Store marketing imageApp Store image with the headline "Automatically budget, save, and invest" showing an Investing balance chart and an Automatic deposits card.App Store listing, as of 
App Store marketing imageThe Investing screen: $2,642.26 with a line chart and time range buttons, then an Automatic deposits card splitting 70% to Savings and 30% to Investing.App Store listing, as of
MoneyLion
App Store marketing imageApp Store image with the headline "Invest money in your own way" and the line "And spare change with Round Ups", showing an Investments screen.App Store listing, as of 
App Store marketing imageThe Investments screen: $1,248.48 with a line chart, time range buttons and Withdraw and Add money buttons.App Store listing, as of
Transfer and send
Albert
App Store marketing imageApp Store image with the headline "Move money instantly" showing a Confirm transfer screen for $50.00.App Store listing, as of 
App Store marketing imageConfirm transfer: $50.00 from Third West Bank to Albert Savings, with a Confirm transfer button.App Store listing, as of
MoneyLion
App Store marketing imageApp Store image with the headline "Access your pay early $20 - $500 with Instacash" showing a "You got Instacash!" screen.App Store listing, as of 
App Store marketing imageA "You got Instacash!" screen held in a hand, with a $500.00 card showing the destination account, repayment date and wait time, and a Done button.App Store listing, as of
AI assistant
Albert
App Store marketing imageApp Store image with the headline "Your personal financial assistant" showing a Genius chat with a spending chart and an "Ask Genius anything..." box.App Store listing, as of 
App Store marketing imageA Genius chat: the question "What should I know about my money this week?", a reply with earnings, spending and net inflow, a Spending by category bar chart and an "Ask Genius anything..." box.App Store listing, as of
MoneyLion
No official screen found yet
Other screens
Albert
App Store marketing imageApp Store image with the headline "Shop and travel within your budget" showing a Las Vegas map and a weekend itinerary.App Store listing, as of 
App Store marketing imageA Las Vegas weekend itinerary with a map of hotel pins, a Bellagio Hotel & Casino card at $204 a night and a Friday flight from JFK to LAS.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Protect your identity and accounts" showing a Protect tab with a credit score of 742.App Store listing, as of 
App Store marketing imageThe Protect tab: Vantage Score 3.0 of 742 with a line chart, change of 4 points, a Good rating and an Alerts row.App Store listing, as of
MoneyLion
App Store marketing imageApp Store image with the headline "Borrow. Earn. Win.", a laurel saying MoneyLion has helped over 18M people get $18B, and a person holding a phone that shows "You got Instacash! $100".App Store listing, as of 
App Store marketing imageApp Store image with the headline "Earn money for playing games" and the line "Earn up to $50 per game", showing game icons and a person on a beanbag.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Personal loan offers up to $100k" showing a borrowing amount screen and a loan offer.App Store listing, as of 
App Store marketing imageA "How much would you like to borrow?" screen set to $1000 with a See my offers button, purpose tiles for Emergency Bills, Debt Consolidation and Home Improvement, and a Lendio personal loan card.App Store listing, as of 
App Store marketing imageApp Store image titled Disclaimer with numbered footnotes about Instacash, cash back on debit purchases and APY.App Store listing, as of 
App Store marketing imageA second App Store image titled Disclaimer with numbered footnotes about the savings rate comparison, insurance benefits, investing, Credit Builder, Round Ups and MoneyLion One membership.App Store listing, as of
Albert and MoneyLion, side by side
Rows marked “Differs” are where the official sources say different things, and 8 rows do here. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick.
Swipe the table sideways to see both apps.
| Field | AlbertBudgeting appAlbert is a subscription money app for budgeting, banking, saving and investing, with an AI assistant called Genius.Visit Albert's site | MoneyLionBanking appMoneyLion is a financial technology company, not a bank, with a MoneyLion Spend account, MoneyLion Save, Instacash cash advances, investing and a marketplace of loan and card offers.Visit MoneyLion's site |
|---|---|---|
| Price and feesDiffers | Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.As of Oct 24, 2026. Source: help.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost | Lower priceThe optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.As of Oct 24, 2026. Source: moneylion.com/one |
| Free trialDiffers | Albert says you can try your plan for 30 days before you're charged.As of Oct 24, 2026. Source: albert.com | MoneyLion One has a 30-day free trial, then $9.99 a month unless you cancel.As of Oct 24, 2026. Source: moneylion.com/one |
| APY or rateDiffers | Albert lists 3.50% APY on its high yield savings account, as of Oct 24, 2026. The rate is variable.Albert says there is no minimum balance requirement, but you must have an eligible subscription tier to access High Yield Savings.As of Oct 24, 2026. Source: albert.com/about/banking | MoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. The rate is variable.No minimum deposit is required to open the account, and no minimum balance is required to earn APY. The 3.88% rate is tied to MoneyLion One membership.As of Oct 24, 2026. Source: moneylion.com/one |
| Opening and balance minimumsDiffers | Albert says there is no minimum balance requirement for High Yield Savings.As of Oct 24, 2026. Source: albert.com/about/banking | MoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY.As of Oct 24, 2026. Source: moneylion.com/one |
| ProtectionDiffers | Albert is not a bank. Funds in Albert Cash are held at Stride Bank, N.A. and Savings funds at Wells Fargo, N.A., eligible for up to $250,000 in FDIC insurance on a pass-through basis when specific conditions are met.As of Oct 24, 2026. Source: albert.com/about/banking | MoneyLion is not a bank. MoneyLion Spend and MoneyLion Save are provided by Pathward, National Association, Member FDIC, and funds are FDIC insured, subject to applicable limitations and restrictions, when received into your account.As of Oct 24, 2026. Source: moneylion.com |
| PlatformsDiffers | Albert lists iOS and Android.As of Oct 24, 2026. Source: albert.com | MoneyLion lists Web, iOS and Android.As of Oct 24, 2026. Source: moneylion.com |
| Bank syncingDiffers | Yes. Albert says it supports thousands of institutions to auto sync your balances and transactions.As of Oct 24, 2026. Source: albert.com/about/budgeting | Yes. MoneyLion's help center says you can link your bank accounts to get spending insights from your linked accounts and your MoneyLion Spend account.As of Oct 24, 2026. Source: help.moneylion.com/what-financial-tracking-does-moneylion-offer-H1G_aGAfF |
| Features |
| Not verified yet. |
| App store ratingDiffers | Albert has 4.6 out of 5 on the App Store from 339,706 ratings.As of Oct 24, 2026. Source: App Store listing | MoneyLion has 4.8 out of 5 on the App Store from 330,325 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Albert
Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.
As of . Source: help.albert.com
MoneyLion
The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.
As of . Source: moneylion.com
Does it connect to my bank and import transactions?
Albert
Yes. Albert says it supports thousands of institutions to auto sync your balances and transactions.
As of . Source: albert.com
MoneyLion
Yes. MoneyLion's help center says you can link your bank accounts to get spending insights from your linked accounts and your MoneyLion Spend account.
As of . Source: help.moneylion.com
Is there support from the app's makers if I need help?
Albert
Yes. Virtual assistant chat, live agent over text or email and phone (support options and voicemail).
In their words: “You can always ask to transfer to a live support agent to get continued support over text or email. Call us at (844) 891-9309 to listen to support options over the phone or leave a voicemail.”
As of . Source: help.albert.com
MoneyLion
Yes. In-app chat, phone (24/7) and email.
In their words: “Here's how to contact MoneyLion Customer Care when you're in a pinch”
As of . Source: help.moneylion.com
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Albert
Yes. Your partner gets their own login.
In their words: “Family plans make it simple to manage and track your finances with a spouse or partner.”
As of . Source: help.albert.com
MoneyLion
Not verified yet
How many people can share one account?
Albert
Up to 5 people, including you.
In their words: “Family plans have 1 owner and can have a maximum 4 additional participating members.”
As of . Source: help.albert.com
MoneyLion
Not verified yet
Can we keep shared and individual views?
Albert
Yes. You can keep shared and individual views.
In their words: “You can easily toggle between viewing your shared family budget and just your own.”
As of . Source: help.albert.com
MoneyLion
Not verified yet
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
How many people can share one account?
Albert
Up to 5 people, including you.
In their words: “Family plans have 1 owner and can have a maximum 4 additional participating members.”
As of . Source: help.albert.com
MoneyLion
Not verified yet
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistAlbert lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderAlbert lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverBoth Albert and MoneyLion list an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerBoth Albert and MoneyLion list bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Albert nor MoneyLion feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
FAQ
How much does Albert cost?
Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members. We checked this on Oct 24, 2026.
How much does MoneyLion cost?
The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month. We checked this on Oct 24, 2026.
Which is cheaper, Albert or MoneyLion?
The lowest monthly price Albert lists is $19.99 a month, and the lowest MoneyLion lists is $0 a month, so MoneyLion lists the lower monthly price. We checked both on Oct 24, 2026, and plans change, so check both pricing pages before you decide.
Does Albert have a free trial?
Albert says you can try your plan for 30 days before you're charged. We checked this on Oct 24, 2026.
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Keep comparing
- See Albert alternatives, closest category first.
- See MoneyLion alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 1 of 13 facts
Albert6 of 6 verified, last checked Oct 24, 2026
- Price and feeshelp.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost, as of Oct 24, 2026
- Free trialalbert.com, as of Oct 24, 2026
- Platformsalbert.com, as of Oct 24, 2026
- Bank syncingalbert.com/about/budgeting, as of Oct 24, 2026
- Featuresalbert.com/about/genius, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
MoneyLion6 of 7 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesmoneylion.com/one, as of Oct 24, 2026
- APY or ratemoneylion.com/one, as of Oct 24, 2026
- Minimumsmoneylion.com/one, as of Oct 24, 2026
- Protectionmoneylion.com, as of Oct 24, 2026
- Platformsmoneylion.com, as of Oct 24, 2026
- FeaturesNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
