How to cancel your Albert account
To close your Albert account, log into the Albert app or website, go to Settings, select Account, and tap Delete Account. Albert will ask you to confirm the deletion and may require you to clear any pending transactions or negative balances first. The account closes immediately, though it can take a few business days for Albert to stop processing any scheduled transfers or payments you had set up.
Albert does not charge a fee to close your account. If you have money in your Albert Cash account (the savings feature), you can transfer it to an external bank account before deletion, or Albert will return it to the original funding source after the account closes. If you have an outstanding loan or line of credit through Albert, you must pay the balance in full before you can delete the account.
Key Takeaways
- Delete your Albert account through Settings in the app or website by selecting Account and confirming the deletion.
- Any money in your Albert Cash savings transfers to an external account you choose, or returns to your original funding source if you do not specify.
- Outstanding loans or lines of credit must be paid in full before Albert will allow you to close the account.
- The account closes right away, but it can take a few business days for scheduled transfers or payments to stop processing.
- Albert does not charge a cancellation fee.
What happens to your money when you close Albert
If you have funds in your Albert Cash account (Albert's savings product), you control where that money goes. Before you delete your account, log in and transfer the balance to a bank account you own. Albert lets you link external accounts and move money out in one or two business days.
If you delete your account without transferring the balance first, Albert will return the money to whichever bank account originally funded your Albert account. This return can take five to ten business days. You will not lose the money, but you have less control over the timing if you do not move it yourself beforehand.
If you have a negative balance—meaning you owe Albert money—you cannot close the account until you pay it. Log in, add funds to cover the negative balance, and then proceed with deletion.
Canceling Albert loans or lines of credit before closing
Albert offers two credit products: a line of credit (a revolving credit account you can borrow from repeatedly) and installment loans (fixed loans you repay over a set period). You cannot delete your Albert account while either product has an outstanding balance.
If you have an active line of credit, pay off the full balance before attempting to close your account. The same applies to any installment loan. Once the balance reaches zero, you can proceed with account deletion. Albert will not automatically close the credit products—you close the entire account, which includes them.
If you want to keep using Albert's other features (like the paycheck advance or savings) but close only the credit product, contact Albert support through the app. They can walk you through whether that option is available for your specific account.
Stopping scheduled payments and transfers before deletion
Before you delete your account, review any recurring payments or transfers you set up. Albert may have scheduled transfers to your savings account, bill payments, or loan repayments. Deleting your account does not automatically cancel these—they may still process for a few days after deletion.
To stop them, go to the Transfers or Payments section in the app, find each scheduled transaction, and cancel it individually. This prevents unexpected charges or transfers after your account is gone. Once you have canceled all recurring activity, you can safely delete the account.
If a payment does process after deletion and you did not intend it, contact Albert support with the transaction details. They can investigate and reverse the charge if it was an error.
Reactivating your Albert account after deletion
Albert does not allow you to reactivate a deleted account. Once you confirm deletion, the account is permanently closed. If you want to use Albert again in the future, you will need to sign up as a new user with the same or a different email address.
When you sign up again, you start fresh—no history, no saved payment methods, and no access to previous transactions or account data. If you think you might return to Albert later, consider pausing your account instead of deleting it. Contact Albert support to ask whether a pause or temporary deactivation is an option.
What to do if you cannot delete your account
If the delete button does not appear in Settings or you get an error message, the most common reason is an outstanding balance—either a negative account balance, an unpaid loan, or an active line of credit with a balance. Pay off whatever is owed, wait for the payment to process (usually one business day), and try again.
If you have cleared all balances and still cannot delete, contact Albert support through the app. Tap the Help or Support icon, describe the issue, and ask them to manually close your account. Response times vary, but Albert typically replies within one to two business days.
Do not delete the Albert app from your phone before closing the account through the app itself. Uninstalling the app does not close your account—it just removes your access to it. The account remains open and active until you formally delete it through Settings.
Frequently Asked Questions
Will closing Albert affect my credit score?
Closing your Albert account itself does not hurt your credit score. However, if you have an Albert line of credit, closing it may cause a small, temporary dip because it reduces your available credit. Paying off the balance first and then closing shows responsible credit behavior.
Can I delete my Albert account if I have pending transactions?
Albert will not let you delete your account if you have a negative balance or outstanding loan debt. Pending transactions that have not yet cleared do not block deletion, but you should cancel any recurring transfers or payments before you close to avoid unexpected charges.
How long does it take for Albert to fully close my account?
Your account closes immediately when you confirm deletion in Settings. However, it can take a few business days for Albert to stop processing scheduled transfers or payments, and up to ten business days for any remaining balance to return to your original bank account.
What if I forgot my Albert password and cannot log in to delete my account?
Use the Forgot Password option on the Albert login screen to reset your password. Once you log back in, proceed to Settings and delete your account. If you cannot reset your password, contact Albert support and explain that you want to close your account. They can help you regain access or close it for you.
Do I lose my transaction history after I delete Albert?
Yes. Once your account is deleted, you cannot access your transaction history, statements, or any other account data through Albert. If you need records for taxes or personal finance tracking, download or screenshot your statements before you delete the account.