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Albert: Budgeting and Banking icon

Albert data API for Instant, PFM and checking

Albert Corporation · Banking 4.4 ★

Open on Google Play

Albert: Budgeting and Banking, from Albert Corporation, brings checking, cash advances and budgeting together for US consumers. Albert Cash provides a partner-bank account and debit card, while Instant offers cash advances and overdraft coverage linked to a paycheck. Users can connect outside banks through Plaid, organize savings goals with Smart Savings, manage self-directed investments, pay bills, use virtual cards, send domestic wires and find Allpoint ATMs. Genius is the in-app assistant. The app serves households managing expenses between paydays and competes with Dave, Earnin, Brigit and MoneyLion. Its cardholder agreements name Sutton, Stride and Coastal as banking partners. The Google Play listing has a 4.4 rating from 163,042 reviews.

Albert Cash balances, Instant repayment schedules and linked-bank net worth form a household cash-flow dataset: availableBalance and currentBalance describe checking liquidity, while advanceAvailableBalance, advanceOutstandingBalance, repaymentAmount and repaymentDate describe short-term borrowing exposure. Payroll-linked reconciliation tools can align repayment dates with expected wages, and bookkeeping integrations can reconcile transactionId, merchantName and categoryName against the Cash ledger.

Household-finance dashboards can combine netWorth and institutionName with monthly budgetAmount and budgetSpendingTotal to compare balances and spending across connected accounts. Goal trackers can place savings targetAmount, recurringAmount and smartMoneyRatio alongside investment ticker, quantity and marketValue.

Lending and money-movement fields round out the picture: creditLimit, availableAmount, apr, minimumPayment and dueDate describe the revolving credit line; daily_transfer_limit, per_transfer_limit and is_rtp_eligible record transfer caps and rail eligibility; and billerName, amountDue and billAmount list enrolled bill-pay payees. Debit-card state is masked, with debitCardLastFour and isFrozen but no full card number. Obligation trackers and cash-flow forecasters can line these up with the Instant repayment schedule to see every upcoming payment in one place. openData Studio turns these balance, repayment, budget, savings, credit and portfolio fields into callable open data for authorized integrations.

Screenshots

  • Albert: Budgeting and Banking screenshot 1
  • Albert: Budgeting and Banking screenshot 2
  • Albert: Budgeting and Banking screenshot 3
  • Albert: Budgeting and Banking screenshot 4
  • Albert: Budgeting and Banking screenshot 5
  • Albert: Budgeting and Banking screenshot 6
  • Albert: Budgeting and Banking screenshot 7
  • Albert: Budgeting and Banking screenshot 8

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

  • Refresh access token

    POST /v1/member-access/rotate osint

    Exchanges a stored refreshToken for a short-lived accessToken used as a Bearer token on later requests.

    Auth: No Authorization header is required for the refresh exchange. The body carries refreshToken, OAuth client_id and deviceId; the returned accessToken is used as Authorization: Bearer on subsequent calls.

    • refreshToken
    • client_id
    • deviceId
    • accessToken
    POST /v1/member-access/rotate HTTP/1.1
Content-Type: application/json

{
  "refreshToken": "<refreshToken>",
  "client_id": "<client_id>",
  "deviceId": "<deviceId>"
}
    {
  "accessToken": "<accessToken>",
  "refreshToken": "<refreshToken>",
  "deviceId": "dev_8f21"
}

  • Signed-in profile

    GET /v1/members/current osint

    Loads the signed-in member record the profile and KYC screens render — name, email, phone and kycStatus.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • profileId
    • firstName
    • lastName
    • email
    • phoneNumber
    • kycStatus
    GET /v1/members/current HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "profileId": "prf_4401",
  "firstName": "Alex",
  "lastName": "Rivera",
  "email": "[email protected]",
  "phoneNumber": "+14155550123",
  "kycStatus": "approved"
}

  • Albert Cash account snapshot

    GET /v1/cash-accounts/overview openbanking

    Boots the Cash home tile with the partner-bank checking (or prepaid-to-DDA) snapshot: availableBalance, currentBalance, accountMask and routingNumber.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • accountId
    • albertCashAccountId
    • accountName
    • accountType
    • accountMask
    • availableBalance
    • currentBalance
    • routingNumber
    GET /v1/cash-accounts/overview HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "accountId": "csh_1849",
  "albertCashAccountId": "csh_1849",
  "accountName": "Albert Cash",
  "accountType": "DDA",
  "accountMask": "1294",
  "availableBalance": 842.16,
  "currentBalance": 901.40,
  "routingNumber": "000000000"
}

  • Cash ledger transactions

    GET /v1/cash-accounts/entries openbanking

    Pages the Albert Cash ledger the activity screen shows — per-posting transactionId, amount, merchantName and categoryName.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • accountId
    • transactionId
    • amount
    • merchantName
    • categoryId
    • categoryName
    • transactionType
    • transactionStatus
    GET /v1/cash-accounts/entries?accountId=csh_1849 HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "accountId": "csh_1849",
  "transactions": [{
    "transactionId": "txn_9921",
    "amount": -24.50,
    "merchantName": "Blue Bottle Coffee",
    "categoryId": "cat_food",
    "categoryName": "Food & Drink",
    "transactionType": "card",
    "transactionStatus": "posted"
  }]
}

  • Debit card snapshot

    GET /v1/payment-cards/status openbanking

    Returns masked debit-card details for the card-settings screen: last four digits, freeze state, style and connection status, without the full card number.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • debitCardId
    • debitCardLastFour
    • debitCardMask
    • isFrozen
    • cardStyle
    • debitCardStatusConnected
    GET /v1/payment-cards/status HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "debitCardId": "crd_771",
  "debitCardLastFour": "1294",
  "debitCardMask": "************1294",
  "isFrozen": false,
  "cardStyle": "black",
  "debitCardStatusConnected": true
}

  • Instant advance and overdraft snapshot

    GET /v1/payday-support/availability openfinance

    Loads Instant headroom the cash-advance and overdraft tiles read: available chips, ceiling, outstanding balance and the next repaymentAmount / repaymentDate.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • advanceAvailableBalance
    • advanceAmountsAvailable
    • advanceLimit
    • advanceCeiling
    • advanceOutstandingBalance
    • repaymentAmount
    • repaymentDate
    • isOnCashAdvanceProgram
    • isOnOverdraftProgram
    • instantAvailableBalance
    GET /v1/payday-support/availability HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "advanceAvailableBalance": 125.00,
  "advanceAmountsAvailable": [50, 75, 100, 125],
  "advanceLimit": 250.00,
  "advanceCeiling": 250.00,
  "advanceOutstandingBalance": 40.00,
  "repaymentAmount": 40.00,
  "repaymentDate": "2026-10-31",
  "isOnCashAdvanceProgram": true,
  "isOnOverdraftProgram": false,
  "instantAvailableBalance": 125.00
}

  • Create Instant cash advance

    POST /v1/payday-support/requests openfinance

    Books an Instant cash advance from the amount-picker screen and returns the pending transfer plus feeAmount and agreed repaymentDate.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • amount
    • repaymentDate
    • transactionId
    • feeAmount
    • repaymentAmount
    • agreedToRepaymentDate
    • advanceOutstandingBalance
    • transactionStatus
    POST /v1/payday-support/requests HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "amount": 100.00,
  "repaymentDate": "2026-10-31"
}
    {
  "transactionId": "adv_3310",
  "amount": 100.00,
  "feeAmount": 5.00,
  "repaymentAmount": 105.00,
  "repaymentDate": "2026-10-31",
  "agreedToRepaymentDate": true,
  "advanceOutstandingBalance": 140.00,
  "transactionStatus": "pending"
}

  • PFM net-worth balances

    GET /v1/wealth/summary opendata

    Rolls Plaid-linked external accounts into the net-worth number the PFM home chart uses, with per-account availableBalance and institutionName.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • netWorth
    • totalAssets
    • accountId
    • institutionName
    • accountName
    • accountMask
    • accountType
    • availableBalance
    • currentBalance
    GET /v1/wealth/summary HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "netWorth": 12840.55,
  "totalAssets": 15210.00,
  "accounts": [{
    "accountId": "ext_88",
    "institutionName": "Chase",
    "accountName": "Total Checking",
    "accountMask": "0091",
    "accountType": "depository",
    "availableBalance": 2410.12,
    "currentBalance": 2410.12
  }]
}

  • PFM linked-bank transactions

    GET /v1/connected-accounts/entries openbanking

    Pages categorized transactions from linked banks that the spending and merchant screens group by categoryName.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • accountId
    • transactionId
    • amount
    • merchantName
    • categoryId
    • categoryName
    • transactionStatus
    GET /v1/connected-accounts/entries?accountId=ext_88 HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "accountId": "ext_88",
  "transactions": [{
    "transactionId": "pfm_txn_410",
    "amount": -62.18,
    "merchantName": "Kroger",
    "categoryId": "cat_groceries",
    "categoryName": "Groceries",
    "transactionStatus": "posted"
  }]
}

  • Budget overview

    GET /v1/spending-plan/summary opendata

    Returns this month's budget envelopes the budget tab edits — monthlyBudget, per-category budgetAmount and running budgetSpendingTotal.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • monthlyBudget
    • budgetSpendingTotal
    • categoryId
    • categoryName
    • budgetAmount
    • budgeted
    GET /v1/spending-plan/summary HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "monthlyBudget": 2400.00,
  "budgetSpendingTotal": 1875.40,
  "categories": [{
    "categoryId": "cat_groceries",
    "categoryName": "Groceries",
    "budgetAmount": 450.00,
    "budgeted": true
  }]
}

  • Savings goals snapshot

    GET /v1/saving-targets/overview openbanking

    Loads savings-goal envelopes and Smart Savings sweep settings (recurringAmount, smartMoneyRatio, transferInterval) the savings tab shows.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • accountId
    • availableBalance
    • savingsGoalId
    • goalId
    • targetAmount
    • recurringAmount
    • smartMoneyRatio
    • transferInterval
    GET /v1/saving-targets/overview HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "accountId": "sav_22",
  "availableBalance": 640.00,
  "goals": [{
    "savingsGoalId": "goal_9",
    "goalId": "goal_9",
    "targetAmount": 1000.00,
    "recurringAmount": 40.00,
    "smartMoneyRatio": 0.10,
    "transferInterval": "weekly"
  }]
}

  • Investing account

    GET /v1/portfolio/positions openfinance

    Returns the self-directed investing account the portfolio screen boots from, with cashBalance, marketValue and per-holding ticker / quantity / lastPrice.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • accountId
    • cashBalance
    • marketValue
    • ticker
    • symbol
    • quantity
    • lastPrice
    • currentValue
    GET /v1/portfolio/positions HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "accountId": "inv_55",
  "cashBalance": 210.40,
  "marketValue": 1840.22,
  "holdings": [{
    "ticker": "VTI",
    "symbol": "VTI",
    "quantity": 3.15,
    "lastPrice": 268.10,
    "currentValue": 844.52
  }]
}

  • Transfer limits and RTP eligibility

    GET /v1/money-movement/allowances openbanking

    Reads move-money caps and rail flags the send-money screen enforces, including RTP eligibility and whether incoming wires are enabled.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • daily_transfer_limit
    • weekly_transfer_limit
    • monthly_transfer_limit
    • per_transfer_limit
    • is_rtp_eligible
    • is_incoming_wires_enabled
    GET /v1/money-movement/allowances HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "daily_transfer_limit": 2500.00,
  "weekly_transfer_limit": 5000.00,
  "monthly_transfer_limit": 10000.00,
  "per_transfer_limit": 1500.00,
  "is_rtp_eligible": true,
  "is_incoming_wires_enabled": true
}

  • Credit-line snapshot

    GET /v1/credit-facilities/overview openfinance

    Loads the revolving credit-line tile: sanctioned creditLimit, availableAmount, outstandingBalance, apr and the next minimumPayment / dueDate.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • creditLineId
    • loanId
    • creditLimit
    • availableAmount
    • outstandingBalance
    • apr
    • minimumPayment
    • dueDate
    GET /v1/credit-facilities/overview HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "creditLineId": "loc_14",
  "loanId": "ln_14",
  "creditLimit": 500.00,
  "availableAmount": 320.00,
  "outstandingBalance": 180.00,
  "apr": 0.3599,
  "minimumPayment": 25.00,
  "dueDate": "2026-11-15"
}

  • Bill-pay payees

    GET /v1/biller-directory/enrollments openbanking

    Lists enrolled billers the bill-pay screen schedules against, with billAmount, amountDue and dueDate per payee.

    Auth: Authorization: Bearer <accessToken>. The authenticated session also carries deviceId, with OAuth client_id identifying the client.

    • billPayAccountId
    • billerName
    • billAmount
    • amountDue
    • dueDate
    • accountMask
    GET /v1/biller-directory/enrollments HTTP/1.1
Authorization: Bearer <accessToken>
Accept: application/json
    {
  "accounts": [{
    "billPayAccountId": "bp_03",
    "billerName": "PG&E",
    "billAmount": 86.40,
    "amountDue": 86.40,
    "dueDate": "2026-11-08",
    "accountMask": "4410"
  }]
}

Data categories

  • balances
  • transactions
  • cash-advances
  • budgets
  • net-worth
  • savings-goals
  • investing
  • cards
  • transfers
  • bill-pay

Where teams use this data

  • Payroll-linked Instant reconciliation

    A payroll or cash-flow bot reads Instant advanceAvailableBalance, advanceOutstandingBalance and repaymentDate, then matches repaymentAmount to the next paycheck so overdraft and advance exposure is visible before payday.

  • Household net-worth dashboard

    A household-finance app pulls PFM netWorth plus per-account availableBalance and institutionName, then overlays budgetAmount / budgetSpendingTotal so linked Chase, Albert Cash and investing sit on one sheet.

  • Partner-bank DDA ledger ingest

    A bookkeeping integration pages Albert Cash transactions (transactionId, merchantName, categoryName) against availableBalance and currentBalance to keep a local ledger in sync with the partner-bank DDA.

  • Savings and investing overlay

    A goals tracker reads savings recurringAmount, smartMoneyRatio and targetAmount next to investing ticker / quantity / marketValue so sweep rules and brokerage marks share one client.

Frequently asked questions

How is authentication represented in the Albert data API examples?

The session example exchanges refreshToken with OAuth client_id and deviceId for accessToken. Subsequent examples use Authorization: Bearer with that access token. Credentials and paths are illustrative, not live provider endpoints; account data requires authorized access.

What does the Instant cash-advance data show?

The availability example includes advanceAvailableBalance, advanceAmountsAvailable, advanceLimit, advanceOutstandingBalance, repaymentAmount and repaymentDate. The isOnCashAdvanceProgram and isOnOverdraftProgram flags distinguish the two programs. The separate advance-creation example includes amount, feeAmount and transactionStatus.

Does the data include linked banks and budgets?

Yes. The net-worth example groups Plaid-linked accounts by institutionName and accountId, with availableBalance and currentBalance alongside netWorth. Linked-bank transactions include merchantName and categoryName, while the budget example adds monthlyBudget, budgetSpendingTotal and per-category budgetAmount.

Which checking and debit-card details are included?

The Cash account example includes availableBalance, currentBalance, accountMask and routingNumber. Its ledger adds transactionId, merchantName and transactionStatus. The debit-card example shows debitCardLastFour, debitCardMask and isFrozen, without a full card number. All sample values are fictional.

Apps similar to Albert: Budgeting and Banking

  • Dave — Dave ExtraCash advances $25–$500 with no credit check, interest, or late fees, and members can open a Dave Checking account with a debit card issued through Coastal Community Bank.
  • EarnIn — EarnIn Cash Out lets U.S. workers access wages they have already earned — up to $200 a day and $1,000 per pay period — with no interest, no credit check, and no mandatory fees.
  • Brigit — Brigit Instant Cash advances $25–$500 with no credit check, interest, or late fees, and paid plans add a credit-builder loan that reports to Experian, Equifax and TransUnion.
  • MoneyLion — MoneyLion Instacash advances up to $500 with no interest, no monthly fees and no credit check, alongside a MoneyLion Spend account and Credit Builder Plus.
  • Cleo — Cleo is a chat-based U.S. money app that helps users budget and save, and can advance eligible members up to $500 with a Builder subscription, Cleo Card and direct deposit.
  • Tilt — Tilt Cash Advance sends $10–$500 with no interest, no late fees and no credit check, with optional instant delivery that may carry a fee.
  • Klover — Klover lets users link a bank account and take a cash advance of up to $750 with no credit check, no interest and no late fees.
  • Current — Current Paycheck Advance lets eligible members who add a paycheck draw up to $1,000, and the app also offers fee-free overdraft on its checking account.

More Banking apps

Topics

  • Albert API
  • Albert banking data API
  • Instant cash advance data
  • Albert PFM net worth
  • Albert Cash DDA
  • Albert budget data
  • Albert savings goals
  • Albert investing holdings
  • Albert credit line data
  • Albert bill pay data

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