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

Albert vs Klover

Albert 4.6★ · Free to download 45
Winner Klover
Klover 4.8★ · Free to download 55

Klover is the better choice for users seeking a more reliable cash advance experience.

While both apps have their issues, Klover generally offers a better user experience with more favorable reviews regarding cash advances and ease of use. In contrast, Albert faces significant criticism for its subscription cancellation process and customer service.

Head to head

features edge: KloverR3R14R63R83
Albert Albert offers cash advances and budgeting tools but has been criticized for hidden fees and a confusing subscription model R3R14.
Klover Klover provides cash advances through a points system, which some users find frustrating but others appreciate for its flexibility R63R83.
ease of use edge: KloverR14R40R72R87
Albert Users report that Albert can be confusing, especially with its subscription management and withdrawal processes R14R40.
Klover Klover's interface is generally seen as user-friendly, although some users have faced issues with account linking R72R87.
reliability edge: KloverR1R4R66R118
Albert Albert has numerous complaints about unauthorized charges and difficulties in cancelling subscriptions R1R4.
Klover Klover users have reported issues with cash advances and customer service, but the app generally functions as intended for many R66R118.
price/value edge: KloverR8R22R63R83
Albert Albert's subscription fees have led to dissatisfaction, with users feeling misled about costs R8R22.
Klover Klover's point-based system can feel gimmicky, but users appreciate the potential for cash advances without upfront costs R63R83.
support edge: KloverR10R60R66R73
Albert Albert's customer service has been heavily criticized for being unresponsive and difficult to navigate R10R60.
Klover Klover also struggles with customer support, but some users have reported satisfactory experiences R66R73.
Pick Albert if

you prefer a budgeting app that offers direct cash advances and are willing to navigate its complexities.

Pick Klover if

you want a more straightforward cash advance experience with a generally better user satisfaction.

Evidence note: Both apps have free tiers, but Albert's negative reviews are more concentrated around subscription issues, while Klover's users express frustration with its points system. This suggests that Klover's issues may stem from its unique model rather than outright scams.

Frequently asked

What are the subscription fees for Albert?
Albert charges a subscription fee of $40, which many users find difficult to cancel and often leads to unauthorized charges R1R4R22.

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. [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
  3. [R63] Klover 3/5 · US App is actually firme: App lwk is a rare W , yea you might needa watch ads to rack up points , or play games for the points to cash out on but it’s definitely worth it no cap cuh
  4. [R83] Klover 5/5 · US Great app: Klover has been such a lifesaver on several occasions! It’s fast easy and the help comes just in the nick of time. When I initially got turned onto this app recommended by a friend I really thought it was a scam. Without approval that first time I would not have been able to buy groceries that week. It’s been saving my butt ever since.
  5. [R40] Albert 1/5 · US Cancellation: Probably one of the worse banks when it comes to canceling. There is no one who actually assists you. They take money from your linked bank account monthly. It’s just an all around horrible app
  6. [R72] Klover 2/5 · US Used to be competitive and useful: Klover used to be one of the best cash advance options. After using the app for a year, it disconnected my debit card and am in a perpetual loop of it not connecting. Customer service is difficult to reach and unhelpful when you do. Nearly entirely automated process that is unreliable. Really disappointing honestly.
  7. [R87] Klover 5/5 · US Klover: So clutch and convenient. Doesn’t take you through all the hoops and loops to get the money either. Connect your bank just once and from there smooth sailing.
  8. [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.
  9. [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.
  10. [R66] Klover 3/5 · US Issue with Points: While it CAN be helpful, it’s not all that fair with points. I have played games to earn points, but a lot of times I’ve been cheated out of those points. Customer support was no help when I tried to reach out about the points issue, even with proof of completing levels and challenges. Not sure if I want to keep using this app due to these issues.
  11. [R118] Klover 1/5 · US Scam: This app can be good when you ACTUALLY get your points, but half of the time I don't get my points after I have SUCCESSFULLY completed an offer! Then when you reach out to support they "claim" they'll get back with you within 2-3 business days, but they'll actually take up to a WEEK to respond to you, and if you don't respond back to them within a couple of hours THEY WILL CLOSE THE TICKET s
  12. [R8] Albert 1/5 · US Unreasonable Refund Policy: They’ll gladly take your money, make it inconvenient to cancel on the app itself, raise prices, and then tell you they don’t offer refunds. It goes against their policy.
  13. [R22] Albert 1/5 · US App was going good then boom 39.99: App was going good then boom charged 39.99. Contact support there’s nothing they can do. They just automatically changed my plan and now i can’t change it back. Can’t get a refund. Nothing. 39.99 for nothing.. smh don’t use app will scam u
  14. [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".
  15. [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
  16. [R73] Klover 4/5 · US Overall great but one issue: Overall I think this app is great. I used my first cash advance but have one issue with it. There are some points that haven’t been added to my account. I sent an email yesterday about it to the support team but haven’t gotten a response yet. It sucks because if I’d gotten the points this would be a 5 star review.

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