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Frequently asked questions
Cancel Albert: The Right Way to Protect Your Money
How to cancel Albert in singapore and protect your money
What Albert is and why you might want to cancel
Albert is a personal finance app that bundles budgeting tools, savings accounts, investment features and cash advance options into one platform. The app tracks your spending habits, offers tailored recommendations and gates premium features behind a subscription model. If you signed up to explore Albert but found it doesn't align with your financial goals, or if the monthly subscription cost no longer justifies the value you receive, cancellation is entirely within your rights.
The process requires deliberate steps because Albert manages your savings balances and pending investments. You cannot simply delete the app and walk away. At Yafee, we have guided thousands of Singapore consumers through subscription cancellations across finance, insurance and digital services. This guide walks you through every cancellation method, refund options and your legal entitlements under Singapore consumer law.
Who should cancel Albert
You might cancel if you have found a more suitable budgeting app, if monthly fees feel disproportionate to your usage, if you are moving your banking to another platform, or if the premium features no longer serve your financial priorities. Whatever your reason, you hold the right to cancel without penalty, provided you follow the correct procedure.
The real cost in singapore dollars
Albert prices all subscription tiers in US dollars (USD), but your payment card will charge you in Singapore dollars (SGD) at the day's prevailing exchange rate. A monthly Genius plan at USD 39.99 typically costs you between SGD 53 and SGD 55, depending on currency fluctuation. Over a 12-month period, that amounts to roughly SGD 630 to SGD 660. If you are not actively using the premium features, that capital could serve your financial priorities elsewhere. Understanding the actual SGD outflow helps you make a clearer cancellation decision.
Albert's subscription pricing: what you are paying for
Before you initiate cancellation, understand precisely what tier you are subscribed to and which features you would lose.
Monthly subscription costs and key features
| Plan name | Monthly cost (USD) | SGD equivalent (approx.) | Core features included |
|---|---|---|---|
| Free | Free | Free | Basic spending visibility only; limited savings tools |
| Basic | USD 14.99 | SGD 20 | Budgeting, spending tracking, smart savings access |
| Standard | USD 19.99 | SGD 27 | All Basic features, plus investing, identity protection, credit monitoring, cashback rewards |
| Genius | USD 39.99 | SGD 54 | All Standard features, plus AI assistant, unlimited expert support access |
When annual subscriptions lock you in
Albert occasionally offers yearly subscription packages with discount rates. A yearly Genius commitment at approximately USD 350 (SGD 470) saves you around USD 130 annually compared to month-to-month billing. However, annual plans commit you upfront, which heightens the urgency of cancellation if your circumstances shift. Yafee advises that annual subscribers who cancel within the first 30 days often retain grounds for a refund or service credit, so do not assume your payment is irretrievable. Check your purchase receipt to confirm whether you locked in an annual plan or a rolling monthly subscription.
Your legal rights when cancelling Albert under singapore law
Singapore's Consumer Protection (Fair Trading) Act provides you with specific protections when you purchase digital services such as Albert subscriptions.
What singapore consumer law guarantees you
Under the Consumer Protection (Fair Trading) Act, you hold the right to cancel a subscription within a reasonable timeframe if the service fails to match Albert's published description or does not deliver the advertised functionality. If Albert advertises unlimited expert access but you cannot reach support within a reasonable response time, or if premium features malfunction or underperform, you have grounds to request a full refund. The Consumers Association of Singapore (CASE) enforces these protections and investigates complaints where a service provider breaches the Act.
Your legal position
You are protected by law. If Albert misrepresents its features, fails to deliver core functionality, or charges you without explicit consent, you can lodge a formal complaint with CASE. You do not need to accept the company's cancellation policy if it contradicts your statutory rights. If Albert refuses to process your cancellation or denies a refund you are entitled to under consumer law, escalate to CASE at case.org.sg or call 6100 0315. Yafee recommends documenting all communication with Albert, including screenshots of promised features and copies of your subscription receipt, before you escalate.
Step-by-step cancellation methods for Albert
Cancelling Albert depends on which platform you use and how you manage your account, so follow the method that matches your setup.
Cancelling via the Albert mobile app (iOS or android)
- Open the Albert app and log in with your credentials.
- If you do not remember your password, tap "Forgot password" and follow the email reset link.
- Navigate to the account or settings menu, typically located at the bottom right or via a hamburger menu icon.
- Look for tabs labelled "Account", "Settings", "Profile" or "Preferences".
- Select "Subscription" or "Billing" to view your active plan.
- You will see your current tier, renewal date and payment method.
- Tap "Cancel subscription" or "Manage subscription".
- Albert will prompt you with retention offers or requests to explain your reason for leaving.
- Confirm your cancellation request by following the final confirmation prompt.
- Do not close the app mid-process; remain on the confirmation screen until you receive a cancellation confirmation message or email.
- Take a screenshot of the cancellation confirmation and save it for your records.
- Forward this screenshot to yourself or print it for future reference if billing disputes arise.
Cancelling via the Albert website or web app
- Visit Albert's official website and sign in to your account.
- Use the same email and password you registered with.
- Locate the account or settings section, usually found in the top right menu.
- Look for your profile icon or an avatar menu.
- Select "Account settings" or "Subscription management".
- This section displays your current plan, billing cycle and payment details.
- Choose "Cancel plan" or "Downgrade subscription".
- If you want to keep using Albert for free, downgrade to the free tier instead of full cancellation.
- Complete the cancellation form, which may ask you to select a reason.
- Be honest but brief; your response does not affect your legal right to cancel.
- Receive a confirmation email within 24 hours.
- Check your inbox and spam folder; if no email arrives, log back in and confirm that your subscription shows as "Cancelled" or "Inactive".
Cancelling via customer support (email or chat)
- If in-app or web cancellation fails, contact Albert support directly.
- Locate the support or help section within the app or on the website.
- Open a support ticket or initiate a live chat, stating: "I want to cancel my subscription effective immediately."
- Include your full name, registered email address and account username.
- Provide your reason for cancellation if prompted, but do not feel obligated to justify your decision.
- Albert support may offer retention discounts or plan downgrades; you are free to accept or decline.
- Request written confirmation of the cancellation.
- Ask support to provide a cancellation reference number and confirm the effective date.
- Save all correspondence, including the support ticket number and confirmation email.
- If billing continues after cancellation, you will need this documentation to dispute charges.
Refunds, refund timelines and what to expect after cancellation
Cancellation and refunds operate on different timelines, so understanding when your subscription ends and when money returns to your account is crucial.
When refunds apply and how long they take
Albert typically does not offer refunds for used subscription time on monthly plans. If you cancel mid-month, you lose access to premium features immediately, but Albert does not reimburse the unused portion. However, if you purchased an annual plan and cancel within 14 to 30 days, you may qualify for a full refund under consumer law, particularly if you have used less than 10 percent of the service. Request a refund explicitly in your cancellation request or support ticket, citing your cancellation date. Once approved, Albert processes refunds to your original payment method within 5 to 10 business days. Your bank may take a further 2 to 5 business days to credit the amount, meaning the full cycle can take up to 15 business days.
Your savings and investments after cancellation
Cancelling your Albert subscription does not automatically close your savings accounts or liquidate your investments. Your funds remain in Albert's system unless you explicitly withdraw them. After you cancel, log in one final time to initiate withdrawals. Transfer your savings to your linked bank account and sell any investments to convert them to cash. Do not assume your cancellation request includes fund withdrawal; these are separate actions. Yafee recommends completing all withdrawals within 7 days of cancellation to avoid confusion with account closure.
What happens to your data
Albert retains your transaction history, spending data and account information even after cancellation. If you want Albert to delete your personal data, submit a separate data deletion request through the app's privacy settings or contact support directly. Australia's Privacy Act does not apply in Singapore, but the Personal Data Protection Act (PDPA) does. Under the PDPA, you have the right to request deletion of your personal data, though Albert may retain transaction records for regulatory compliance. Request data deletion in writing to support and ask for written confirmation once the process is complete.
Common mistakes when cancelling Albert
Cancellation can feel overwhelming, but most errors are easily avoided if you stay methodical.
Deleting the app without cancelling the subscription
Simply deleting the Albert app does not cancel your subscription. Your payment method remains linked to Albert's servers, and the company continues to charge your card monthly or annually. You must formally cancel your subscription through the app, website or customer support before you delete the app. Yafee has helped consumers reverse unexpected charges that resulted from this exact mistake, so prioritise cancellation as step one.
Overlooking annual plan commitments
If you subscribed to an annual plan, you may assume you must wait until the renewal date to cancel. This is incorrect. You can cancel an annual plan at any time, but non-refundable annual payments mean you forfeit the remaining paid period unless you cancel within the first 14 to 30 days. Review your receipt or account settings to confirm your plan type before you cancel.
Ignoring continued charges after cancellation
Check your bank or credit card statement for 30 days after you cancel. If charges appear after your cancellation effective date, contact Albert support immediately with your cancellation confirmation and request an immediate refund. If Albert does not respond within 14 days, escalate the dispute to your bank's fraud or chargeback department. Yafee advises documenting every charge and its date to strengthen any chargeback claim.
Failing to save confirmation documentation
Do not rely on memory or a fleeting email confirmation. Take a screenshot of the cancellation confirmation screen and save all support correspondence. If Albert later claims you never cancelled, this documentation is your proof. Store these files in a folder labelled "Albert Cancellation" on your computer or cloud storage.
After cancellation: what to monitor and when
Cancellation does not end your responsibility to verify the process succeeded.
Monitor your account for 30 days
Log in to your Albert account 7 days after you cancel to confirm your subscription shows as "Inactive" or "Cancelled". Check your payment method to ensure no charges appear after the effective date. Yafee recommends setting a phone reminder for day 30 post-cancellation to conduct a final check on your bank statement.
If Albert continues to charge you
Contact support immediately with a screenshot of the unauthorized charge and your cancellation confirmation. Request a full refund and ask for a detailed explanation of why the charge occurred. If support does not resolve this within 14 days, dispute the charge with your bank using the bank's online portal or by phoning the card dispute team directly. Provide your bank with the cancellation confirmation and all email correspondence.
Downgrading instead of cancelling
If you want to retain a basic Albert account but eliminate the subscription cost, downgrade to the free tier instead of cancelling entirely. This preserves your account history and allows you to re-upgrade later if needed. To downgrade, follow the same cancellation steps but select "Downgrade to free" instead of "Cancel subscription".
Comparing Albert with alternative finance apps in singapore
Before you finalise cancellation, consider whether another app might better serve your needs.
Albert versus other budgeting and savings platforms
| App or service | Subscription cost (SGD) | Core features | Best for |
|---|---|---|---|
| Albert | SGD 20-54/month | Budgeting, savings, investing, cash advances | All-in-one finance management |
| Seedly | Free or premium | Budgeting, investment tracking, bill management | Singapore-first finance dashboard |
| DBS PayLah! | Free | Payments, rewards, expense tracking | Banking integration without extra cost |
| GCash (Philippines-based) | Free | Digital wallet, savings, insurance | Regional remittances and payments |
| YNAB (You Need A Budget) | USD 14.99/month | Detailed budgeting, real-time sync | Disciplined budgeters and expense trackers |
Why you might stay with Albert or switch
If you primarily value investment tools and AI financial advice, Albert's premium tiers justify the cost. If you use only basic budgeting and spending tracking, the free tier or a free app such as Seedly may serve you equally well. If you are a DBS customer, DBS PayLah integrates expense tracking at no cost. Yafee recommends trialling one alternative app for 30 days before you fully cancel Albert, so you can confirm the replacement meets your workflow.
How to contact Albert if cancellation fails
If your cancellation request goes unanswered or Albert denies a refund you believe you are entitled to, escalate formally.
Albert's official contact channels
Albert operates a support system through the app itself and a web help centre. Within the app, navigate to Account > Help or Support and open a ticket with the subject line "Subscription cancellation request". Specify that you want to cancel your subscription and request written confirmation. If you do not receive a response within 5 business days, follow up with a second ticket referencing your original ticket number.
Escalating to singapore's consumer authority
If Albert fails to process your cancellation or wrongfully charges you after you cancel, lodge a complaint with the Consumers Association of Singapore (CASE). You can submit a complaint online at case.org.sg or call CASE's hotline at 6100 0315. Provide CASE with your cancellation confirmation (or proof of cancellation attempt), evidence of unauthorized charges and all correspondence with Albert. CASE will investigate on your behalf and can compel Albert to refund you if the company breaches consumer law. Yafee has facilitated escalations to CASE for consumers facing billing disputes, and CASE's intervention typically resolves the matter within 30 to 60 days.
Cancellation checklist before you proceed
Use this checklist to ensure you have completed all necessary steps before you close Albert entirely.
- Confirm whether you are on a monthly or annual subscription plan
- Check your current billing date and last charge amount
- Withdraw all savings balances to your linked bank account
- Liquidate any investments and transfer cash to your bank
- Document your account username, registered email and account number
- Take a screenshot of your current subscription tier and renewal date
- Complete cancellation via app, website or support email
- Save the cancellation confirmation and any reference number
- Monitor your bank statement for 30 days after the cancellation effective date
- Request data deletion if you want Albert to remove your personal information
Why you should trust yafee for cancellation guidance
Subscription cancellations involve contract law, consumer rights and payment disputes. At Yafee, we have guided thousands of consumers through cancellations across finance apps, insurance products, SaaS platforms and digital memberships. Our legal framework grounding ensures every step we advise aligns with Singapore's Consumer Protection (Fair Trading) Act and the Personal Data Protection Act. We do not advise you to accept unfair cancellation policies; we explain your rights and the enforcement routes available when companies breach those rights. Yafee has helped thousands of consumers cancel Albert subscriptions, recover refunds and escalate disputes to CASE where necessary. Visit yafee.com today to access cancellation guides for hundreds of services, live chat support from contract law specialists, and a community of consumers sharing their cancellation experiences.