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Real Simple’s Smart Money award winner for #1 budgeting app.

Joint Accounts

Money transformation for couples.

A premium banking experience with the power of digital cash envelope budgeting for two. Finally, a different method with the integration you need to build your budget around your life, not the other way around.

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Make finances easy and purposeful.

Tired of fighting about money?

Other apps and accounts only tell you what you have done in the past. Qube Money changes all that. Imagine intential spending from a joint plan instead of reconciliation after the purchase. Automatically save toward goals, keep track of household expenses, and maintain a shared vision for your future! Qube makes it easy.

No more secrets.

With money that is. Together, you can make better decisions toward financial trust and unity.

Qube keeps you on the same team with accurate, real-time balances and spending notifications that create awareness, transparency, and better communication.

Partner notifications:

Purchase Amount
Purchase Merchant
Real-Time Transactions
Partner Notifications | Qube Money
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Two companion cards.

When you and your companion join Qube Money, you’ll each get your own personlized debit card. You can also link your card to Apple or Google Pay for secure, digital payments.

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Frequently Asked Questions

What is a joint account?
A joint account is simply a shared bank account. Qube's joint account feature allows you to add another person to your account. We call this a "Companion," and your companion could be a spouse, partner, parent, or even an adult child. With a joint account, you will each have your own physical debit card and debit card number, but the same bank account number. Both members can deposit, transfer, and withdraw money from the account, and you will see and spend from all the same qubes.
Who can I invite to join my account?
You can invite any U.S. resident who is at least 18 years old with a Social Security Number to join your Premium account.
How much does it cost?
Premium plans start as low as $9 per month when paid annually. Click here for the latest pricing and account features.
Who "owns" a joint account?
The individual who first opened the account, and who adds the companion to their account is the primary account holder and “owns” the account. The primary account holder is responsible for all transactions within the app made by the secondary account holder. Both users have full access to all qubes and funds.

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Premium Features

Unlimited Qubes

Create as many qubes as you want for spending, saving and bills! They sky's the limit for your budget and planning with unlimited qubes.

Recurring Transfers

Schedule transfers on a recurring weekly, biweekly, monthly, quarterly, or yearly basis! This includes repeating transfers to or from another bank, as well as internal and peer-to-peer transfers.

Monthly Reports

Customized monthly reports of your overall cash flow, with graphs and details of your budget, spending, and transaction history by category.

Faster Deposits

Get money into your Qube account faster.

Partner Notifications

Get notified of your account companion’s spending activities so you’re always on the same page.

Automated Funding

Set up a plan that funds your qubes automatically. Customize it to meet your needs and never lift a finger again.

+ our Qube features

Default Zero Technology

Payday 2 Days Early

Subscription Control

Virtual Cards for Bills

Send to Friends

No Hidden or Overdraft Fees