Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Albert vs SoFi

Albert 4.6★ · Free to download 45
Winner SoFi
SoFi 4.7★ · Free to download 70

SoFi offers a more reliable and user-friendly experience compared to Albert.

Full reviews: Albert · SoFi

While both apps provide financial services, SoFi stands out with better user satisfaction and fewer complaints regarding cancellations and customer support. Albert users frequently report issues with subscription cancellations and customer service, leading to a lower overall rating.

Head to head

features edge: SoFiR3R17R62R74
Albert Albert offers cash advances and budgeting tools but has a confusing savings feature.
SoFi SoFi provides a wider range of features including investing, savings, and loans with a user-friendly interface.
ease of use edge: SoFiR14R34R62R67
Albert Users find Albert difficult to navigate, especially when trying to cancel subscriptions.
SoFi SoFi is generally praised for its intuitive design and ease of use, despite some complaints about navigation.
reliability edge: SoFiR4R12R69R118
Albert Albert has numerous complaints about subscription charges and difficulty accessing funds.
SoFi SoFi has had some issues with transaction times but overall is seen as more reliable.
price/value tieR1R4R64R76
Albert Albert users often feel they are charged unfairly without clear communication.
SoFi SoFi users appreciate the free services but have concerns about recent changes to fees.
support edge: SoFiR10R60R73R116
Albert Albert's customer support is frequently criticized for being unhelpful and difficult to reach.
SoFi SoFi has mixed reviews on customer support, with some users reporting issues but others praising the assistance they received.
Pick Albert if

you want a budgeting app that may work for short-term cash needs but are willing to navigate its complexities.

Pick SoFi if

you prefer a more comprehensive financial platform with better user support and fewer complaints about hidden fees.

Evidence note: Albert has a significant number of negative reviews focused on subscription issues, while SoFi's complaints are more varied and less focused on a single issue.

Frequently asked

What are the main differences between Albert and SoFi?
Albert is primarily focused on budgeting and cash advances, but users report many issues with subscription cancellations and customer service. SoFi offers a broader range of financial services including investing and savings, and generally has better user satisfaction.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R3] Albert 3/5 · US Average App.: I think it is an okay app, but I don't like having all my money gone when it is time to pay it back.
  2. [R17] Albert 4/5 · US Good. Slightly confusing: Has helped me out of a pickle a few time with the instant cash. But it does require you to let it make withdrawals every paycheck to put into their savings account. You can transfer it back to you but it’s kinda weird. I haven’t figured out how to get past it yet
  3. [R62] SoFi 5/5 · US Easy app to use!: I’ve been using the SoFi app for a couple of months and have found easy to use. I mainly use it to purchase stocks, but that doesn’t mean I won’t use other options like a savings account or other banking needs. Update (7/7/26) I like the new update that gives related stocks when looking at other stocks that are similar.
  4. [R74] SoFi 5/5 · US I love it but,: I really wish transfers to friends accounts showed up as spending, I send 700 to someone through SoFi for rent every month and it doesn’t show up in my monthly spending which makes it harder to plan because certain spending is invisible. Love being able to save for different things and the help on investing for retirement. Great app very easy to use for everything
  5. [R14] Albert 2/5 · US Terrible cancellation process.: The app is alright but they make it hell to try and stop using it. It’s annoying because it’ll “smart save” and randomly take money out your account. You can turn it off but then you can’t borrow from the app without it on. You try to close the account and they give you 30 hoops to jump through that THEY created. It serves it’s purpose but I wouldn’t recommend for s
  6. [R34] Albert 1/5 · US WARNING: Do not ever use this app. They will deceptively enroll you in a paid subscription, and HOLD YOUR MONEY without being able to transfer it back out without going through multiple loopholes made to be as difficult as possible. “Support” is an AI bot which will refuse to make it better. Whatever you’re planning on doing with your money, do it literally anywhere else besides this app.
  7. [R67] SoFi 2/5 · US Spammy: They advertise all of their products as large banners on your home screen which makes it really hard to navigate and get important information fast. Can’t stand the user interface and it looks nothing like what they show on the App Store but they do have helpful products like goals and vaults once you find them.
  8. [R4] Albert 1/5 · US Scam: This app is a scam. There is absolutely no way to cancel a membership (which I never agreed to btw) in the app; instead, they want you to text or call them. If you’re looking for money, this is NOT the app to use. They will steal from you and refuse to help in any way.
  9. [R12] Albert 1/5 · US Frauds!: I have attempted to cancel multiple times because they keep charging me $40. It doesn’t allow you to cancel. It will just say you need to withdraw your money before. So you do, but then it will just keep charging you saying that you never tried to cancel because it won’t allow you to! It’s ridiculous. They also won’t refund you!!
  10. [R69] SoFi 3/5 · US Online banking not as advertised: I have been with SoFi for years. My banking needs were online but recently I had to deposit personal checks to my SoFi and it has been a headache. The deposit system to take a picture almost never takes photos automatically although they claim it does it. Even if you do it manually it will not detect signature. And if you get lucky and deposit the check, it takes
  11. [R118] SoFi 1/5 · US Hold Funds too long: SoFi puts long holds on electronic deposits. For example deposited June 12th June 16th still unavailable funds. If you are investing SoFi is not the company you want to use. Also things you use the most in the app are buried and hard to find. Stick to one of the main brokerage firms for your stocks and main exchanges for crypto. SoFi is not the user friendly and settlement fri
  12. [R1] Albert 1/5 · US Impossible to cancel subscription: Just as the title reads they keeps charging you and make it impossible to cancel your subscription.
  13. [R64] SoFi 1/5 · US Extremely Disappointed: I have been banking with SoFi for years and absolutely loved them. But once they became an actual bank and started making you pay for plus member perks their care for the customers and concern with handling issues has plummeted. I have credit cards with them with earned cash back which I never had issue withdrawing. Once they switched over to having to pay they locked out m
  14. [R76] SoFi 1/5 · US Terrible: I used to love SOFI and have been a customer for YEARS. But this year they lowered my credit limit even though I have good credit and never been late and now they are charging $10 a month for some unknown reason. Get a better credit card from a non-shady bank!
  15. [R10] Albert 1/5 · US If I could give a 0, I would,: A very fraudulent company who has AI writing reviews for them. They will continue taking money from you even after you disconnect your bank account....for months! Because they "stil have access".
  16. [R60] Albert 1/5 · US Horrible customer service Do Not: I recently set up an account with Albert and I have found that their customer service and communication is horribly lacking. I was trying to pay my instant cash account and I didn’t realize that you can’t do it through your debit card and it takes 2 to 3 days to do it through your bank account and in the meantime you’re getting charged for the late fees and the on
  17. [R73] SoFi 1/5 · US Good App, Bad Bank: The app is great, the bank and its customer support is not.
  18. [R116] SoFi 1/5 · US Stay Away!: Don’t bother with this bank. They constantly mess things up and then expect you to fix it. They just say “Sorry. You’ll have to figure it out. There’s nothing we can do about it. Have a good day”. They’re all very smug and rude and take no responsibility for their actions. Worst service from a bank I’ve ever had in my life. And this isn’t from just one mistake that they’ve done. It’s f

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store