How to Easily Cancel Your Albert Account or Subscription?

Personal finance apps like Albert help you effortlessly track your spending, create budgets, and even automate your savings. But what happens when you no longer need the service and want to cut ties? How do you actually go about canceling your Albert account or subscription?

The process is simple and straightforward. In this comprehensive guide, we’ll cover everything you need to know, from deciding if cancellation is right for you to step-by-step instructions for both closing your account entirely or just removing the paid Albert Genius subscription. You’ll also learn about refund policies, data loss implications, alternative apps, and more.

What is Albert and Reasons You May Want to Cancel

As a quick refresher, Albert is one of the most popular personal finance apps available. It aims to help users effortlessly manage budgets, track spending, maximize savings, and even access financial advice.

The core app is free and provides budgeting tools, spending insights, savings automation, cashback rewards, and more. However, upgrading to their paid Albert Genius subscription unlocks further features like:

• Customized financial advice and guidance
• Overdraft coverage and access to earnings early
• Additional bonus interest on your Albert Savings
• And more member perks

So why would you want to cancel Albert or your Genius membership? Here are some of the common reasons:

• You find a better alternative app – Whether it’s lower fees, superior tools, or additional perks, you may discover another finance app suits your needs better.
• You’re looking to consolidate services – If using multiple finance apps feels fragmented, cancelling some can help streamline your money management.
• You no longer need the features or advice – If you’ve gotten your finances on track, an app like Albert may feel unnecessary.
• To save money – Cutting unused subscriptions helps cut monthly costs. If you don’t use Albert enough, cancellation can save you $14.99 a month.

Other common reasons include privacy concerns, unused accounts lingering, or even falling victim to fraudulent transactions.

Step-by-Step Guide to Canceling Your Albert Account

If after considering the above, you still decide canceling your Albert membership is the right call, here is a step-by-step walkthrough covering all the key methods:

Canceling Albert Via the Mobile App

Cancelling through the Albert app is the quickest and easiest way for most people. Just follow these steps:

1. Open up the Albert app and tap your profile icon
2. Select “Help” and then tap “Contact Support”
3. Type out “Cancel Genius” and hit send
4. Confirm your choice when prompted

And that’s it! The Albert customer support team will take care of canceling your membership. You’ll immediately lose access to Genius features, but core budgeting tools will still work.

Canceling Through Desktop Website

Don’t use the mobile app much? No worries, you can also cancel your Albert subscription on their desktop website:

1. Login to your Albert account
2. Click your profile picture and select “Settings”
3. Choose “Billing” from the left sidebar
4. Click the “Cancel Subscription” button
5. Confirm your choice on the popup

You will lose Genius access but core features remain intact. This route also immediately cancels your membership.

Cancellation Via Email

Prefer a more formal cancellation route? Reaching out directly over email works as well:

1. Draft up a cancellation email and send it to [email protected]
2. Specify you want to cancel your Genius membership
3. Include associated account details like name and email
4. The support team will confirm once your membership is canceled

Be sure to check your inbox for a confirmation once your request has been processed!

Cancellation by Text Message

Finally, Albert also allows cancellation directly via text message if you connect your account to their SMS support. Just text “Cancel Genius” to 639-37 and their team will handle the rest.

Deleting Your Albert Account Entirely

Canceling just the paid Albert Genius subscription is simple enough. But perhaps you want to delete your Albert account altogether?

The process is similar, albeit with additional steps:

1. Login to your Albert account through desktop/mobile
2. Access account “Settings” or “Help” section
3. Select the “Delete my account” option
4. Carefully review any warnings or disclaimers about data loss
5. Confirm your choice to delete the account permanently

Key things to note with full account deletion:

• All associated account data, statements, transaction history, etc will be erased. Be sure to export anything you may need for taxes or records!
• You must clear any outstanding balances or debt obligations connected to the account beforehand
• Linked accounts and services will NOT automatically disconnect. You must remove account connections manually first.

Recovering a deleted Albert account is extremely difficult, so be 100% sure before committing to delete. Canceling just the optional Genius subscription is much simpler and reversible.

What Happens When You Cancel Albert?

The effects of canceling your Albert membership varies slightly depending on if you fully close the account vs simply canceling the recurring payments.

Consequences of Closing Account

If you choose to permanently delete your Albert account, here is what happens next:

• Immediate loss of access – You can no longer login or use any Albert tools
• Permanent data erasure – All prior account history, statements, and personal data is deleted
• Features deactivated – Budget automation, cashback, advice access immediately disabled
• Subscriptions stand – Any Genius or other add-on subscriptions continue until manually canceled
• Limited recovery options – Getting account access restored is extremely difficult

So in summary – canceling the core account is severe, irreversible, and erases your data. Unless you must close it out, try just canceling optional subscriptions first.

Consequences of Just Cancelling Subscription

If you purely unsubscribe from the Albert Genius membership however, it is less disruptive:

• Genius features disabled – Lose access to advanced tools like custom advice, overdraft protection, bonus interest rates etc
• Core features still work – Can still use free budgeting, savings, and spending trackers
• Account intact – Keep all transaction data, statements, account history etc
• Resubscribe anytime – Can opt back into Genius membership in the future
• Partial refund possibility – May get prorated reimbursement if annual subscription

So when feasible, cancelling just the Genius subscription makes reverting or reaccessing data easier in the future.

What About Refunds When I Cancel Albert?

Another common cancellation concern – will I get any money back if I cancel Albert early?

Unfortunately, their refund policy is fairly strict:

• No refunds on monthly Genius subscriptions – Regardless of when you cancel, monthly memberships are non-refundable.
• Prorated annual refunds – If you cancel an annual subscription mid-cycle, you may receive a partial, prorated refund.
• 30 day money back guarantees – If you cancel within the first month, annual plans can be fully refunded.

So aside from an annual plan 30 day trial, expect to pay for any full months you were subscribed regardless of cancellation date. Get ahead of renewal deadlines whenever possible or be prepared to pay for an additional month.

For billing disputes or other exceptional cases, you may also appeal directly to customer support. But the standard Albert cancellation/refund policy is rigid unless you act very quickly into a new subscription.

What to Do Before Closing Your Albert Account

If after reviewing the above you decide fully deleting your Albert account is necessary, here are some wise preparatory steps:

• Export transaction data – Manually save account statements, histories, tax documents etc as they will be erased.
• Withdraw account funds – Empty any cached debit balances, rewards balances, or linked bank account funds.
• Cancel connected accounts – Manually unlink any services with account access like PayPal, Robinhood, banks etc.
• Review closure terms – Read up on Albert’s account closure disclosures so you know what to expect data and access-wise.
• Confirm subscriptions cancelled – Double check any Genius or addon subscriptions are deactivated unless you want them to remain active.

Taking these precautionary steps ensures you don’t lose access to any critical financial data and avoids unwanted charges going forward.

Top Albert Account Closure Checklist

Finalizing your Albert cancellation process without any nagging loose ends is crucial. Here is a quick checklist covering the key bases:

• Review account data and export anything important
• Download tax documents and past account statements
• Withdraw any account balances
• Cancel connected accounts and services
• Review Albert account closure terms
• Ensure Genius subscription is canceled
• Confirm subscription cancellation via email
• Check bank statements for lingering charges
• Follow up if still seeing subscriptions payments after 5-7 days
• Delete payment methods associated with Albert account to prevent accidental reactivation
• Review alternative personal finance apps to switch to next

Following this cancellation checklist helps smooth the transition so you don’t lose access to any past financial data,avoid unexpected subscription charges, and can cleanly break ties with Albert.

In Closing

While Albert strives to provide useful money management features to help gain control of your finances, it still may not be the right solution forever. Fortunately cancelling your account or paid Genius subscription is straightforward once you know the steps.

Whether you choose to close down your account permanently or just remove optional subscriptions, be sure to take proactive precautions like exporting data, cancelling connected services, and reviewing bank statements for stray charges afterwards.

Hopefully this guide covered everything you need to seamlessly cancel your Albert membership or account and cut ties for good. Their budget insights and automation tools can be incredibly valuable. But should your needs change, parting ways doesn’t have to be difficult.

In summary:

• Cancelling just the Albert Genius subscription is simpler and easily reversible
• Fully deleting your Albert account erases all data and is permanent
• Take preventative measures like withdrawing funds and disconnecting linked accounts beforehand
• While refunds are strict, some proration is possible on early annual cancellations
• Follow up afterwards to catch any lingering billing issues

With the right preparations, you can smoothly transition away from Albert at any stage of your financial journey. Here’s to mastering your money whether Albert’s guiding support remains helpful or you feel ready to take back control!