Budgeting comparison
Albert vs MoneyLion
Updated
Data as of
Albert checked MoneyLion checked
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Albert
Budgeting app
Visit site for Albert (opens in a new tab)
MoneyLion
Banking app
Visit site for MoneyLion (opens in a new tab)
Short answer
- Pick MoneyLion if you want the lower monthly price ($0, compared with $19.99), the higher top rate (up to 3.88% APY, compared with 3.50% APY), or a web version.
- The biggest difference is what they are: Albert is a budgeting app, and MoneyLion is a banking app.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Albert vs MoneyLion at a glance
- Albert
- Top rate
- 3.50%APY
- Free trial
- 30 days
- Rating
- 4.7 of 5App Store, 343,539 ratings
- Platforms
- 2iOS, Android
MoneyLion
- Top rate
- 3.88%APY
- Free trial
- 30 days
- Rating
- 4.8 of 5App Store, 330,603 ratings
- Platforms
- 3Web, iOS, Android
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.
Source
moneylion.com/one, checked .
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.
Features
| Feature | Albert | MoneyLion |
|---|---|---|
| Savings goals | Yes | Yes |
Albert also lists AI features, shared budgets, investment tracking and data export.
Sources for these features
Yes means the official site lists it. No means the official site says the app doesn't have it.
- Albert: albert.com/about/genius, checked Oct 29, 2026.Savings goals: Savings vaults: 'Save towards multiple goals automatically.' albert.com/about/saving, checked Oct 29, 2026.Shared budgets: Family plan: 'access to all the features of a Genius plan as well as a shared budget so you can track your joint spending and manage your finances together.' help.albert.com/hc/en-us/articles/27831335660183-What-is-an-Albert-Family-plan, checked Nov 12, 2026.Investment tracking: 'Albert pulls all of your investment accounts into a single dashboard.' albert.com/about/investing, checked Oct 29, 2026.Data export: 'Import and export data: Sync your accounts automatically, or upload and export your data manually.' Format not stated. albert.com/about/financial-dashboard, checked Oct 29, 2026.
- MoneyLion: help.moneylion.com/en_us/smart-budget-SJQEvwhHgx, checked Oct 29, 2026.
Albert and MoneyLion, side by side
| Detail | Albert | MoneyLion |
|---|---|---|
| Free trialDiffers | AlbertAlbert says you can try your plan for 30 days before you're charged. Sourcealbert.com, checked . | MoneyLionMoneyLion One has a 30-day free trial, then $9.99 a month unless you cancel. Sourcemoneylion.com/one, checked . |
| APY or rateDiffers | AlbertAlbert lists 3.50% APY on its high yield savings account, as of Nov 12, 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. Sourcealbert.com/about/banking, checked . | MoneyLionMoneyLion 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. Sourcemoneylion.com/one, checked . |
| Opening and balance minimumsDiffers | AlbertAlbert says there is no minimum balance requirement for High Yield Savings. Sourcealbert.com/about/banking, checked . | MoneyLionMoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY. Sourcemoneylion.com/one, checked . |
| ProtectionDiffers | AlbertAlbert 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. Sourcealbert.com/about/banking, checked . | MoneyLionMoneyLion 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. Sourcemoneylion.com, checked . |
| PlatformsDiffers | AlbertAlbert lists iOS and Android. Sourcealbert.com, checked . | MoneyLionMoneyLion lists Web, iOS and Android. Sourcemoneylion.com, checked . |
| Bank syncingDiffers | AlbertYes. Albert says it supports thousands of institutions to auto sync your balances and transactions. Sourcealbert.com/about/budgeting, checked . | MoneyLionYes. MoneyLion's help center says you can link your bank accounts to get spending insights from your linked accounts and your MoneyLion Spend account. |
| App store ratingDiffers | AlbertAlbert has 4.7 out of 5 on the App Store from 343,539 ratings. SourceApp Store listing, checked . | MoneyLionMoneyLion has 4.8 out of 5 on the App Store from 330,603 ratings. SourceApp Store listing, checked . |
Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. 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 and compare up to four side by side.
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
App Store marketing imageA Create a goal card asking you to add a goal for the things you want to save for, with a Get started button and a jar illustration.App Store listing, as of
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 
App Store marketing imageFactors affecting your score: Payment history 15/15, Credit utilization 5%, Age and mix of accounts 20 years, Total balances $513,450 and Credit checks 1, each with a rating and impact.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 
App Store marketing imageYour benefits tiles: 1% daily cash back, 3.64% APY savings, Identity protection and Invest with no fees, with Activate now buttons.App Store listing, as of
Who it's for
Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.
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.
MoneyLion: The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.
Source
moneylion.com/one, checked .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.
Source
albert.com/about/budgeting, checked .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.
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).
Source
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.” help.albert.com/hc/en-us/articles/360036374534-How-to-contact-Albert, checked .MoneyLion: Yes. In-app chat, phone (24/7) and email.
Source
In their words: “Here's how to contact MoneyLion Customer Care when you're in a pinch” help.moneylion.com/how-do-i-contact-support-SkVGjwhkR, checked .
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
Albert: No.
Source
In their words: “You may use the Services only if you: (i) are eighteen (18) years or older” help.albert.com/hc/en-us/articles/16768060313111-Albert-s-Terms-of-Use, checked .MoneyLion: No.
Source
In their words: “Be at least 18 years old (or the age of majority in your state or jurisdiction of residence).” moneylion.com/legal/terms-and-conditions, checked .
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I mix business and personal expenses in this app?
Albert: No.
Source
In their words: “The Account is not designed for business use, and we reserve the right to close the Account if we determine it is being used for business purposes.” help.albert.com/hc/en-us/articles/32005754647063-Deposit-Account-Agreement, checked .MoneyLion: No.
Source
In their words: “This license is for your personal use and not for any commercial or business purpose.” moneylion.com/legal/terms-and-conditions, checked .
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Albert: No.
Source
In their words: “The Account is not designed for business use, and we reserve the right to close the Account if we determine it is being used for business purposes.” help.albert.com/hc/en-us/articles/32005754647063-Deposit-Account-Agreement, checked .MoneyLion: No.
Source
In their words: “This license is for your personal use and not for any commercial or business purpose.” moneylion.com/legal/terms-and-conditions, checked .
A question shows only when every app here has a current official source that answers it. 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.
SpenderBoth Albert and MoneyLion list 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 Nov 12, 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 29, 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 Albert on Nov 12, 2026 and MoneyLion on Oct 29, 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 Nov 12, 2026.
More comparisons
Similar comparisons
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
- Sourced facts
- 13 facts, each linked and dated
Albert6 sourced facts, last checked Nov 12, 2026
- Price and feeshelp.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost, as of Nov 12, 2026
- Free trialalbert.com, as of Nov 12, 2026
- Platformsalbert.com, as of Nov 12, 2026
- Bank syncingalbert.com/about/budgeting, as of Oct 29, 2026
- Featuresalbert.com/about/genius, as of Oct 29, 2026
- App store ratingApp Store listing, as of Nov 12, 2026
MoneyLion7 sourced facts, last checked Oct 29, 2026
- Price and feesmoneylion.com/one, as of Oct 29, 2026
- APY or ratemoneylion.com/one, as of Oct 29, 2026
- Minimumsmoneylion.com/one, as of Oct 29, 2026
- Protectionmoneylion.com, as of Oct 29, 2026
- Platformsmoneylion.com, as of Oct 29, 2026
- Featureshelp.moneylion.com/en_us/smart-budget-SJQEvwhHgx, as of Oct 29, 2026
- App store ratingApp Store listing, as of Oct 29, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
