Real Simple’s Smart Money award winner for #1 budgeting app.
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Envelope Money users, Qube is here for you.

Join Qube and earn up to a $75 bonus*.
*See below for details

settings

Envelope Money users, Qube is here for you.

 Join Qube and earn up to a $75 bonus*. 
*See below for details
settings
We are here for the long haul!
Are you stuck on Envelope Money’s waiting list? Are you worried they may close their doors like Envel?  We know how disruptive this is for users. Qube charges a monthly account fee because doing so creates a sustainable business model, so we aren’t forced to sell out to another company like One and Simple have done, or close our doors. The math behind digital banks that only make money from transaction fees doesn't work.

Our customer believe our banking methodology and our advanced features are worth the fee we charge. Our goal is to create a banking experience that will serve you and your loved ones forever.
Here's how we compare to Envelope Money
We just keep adding features
Here's how we compare to Envelope Money
We just keep adding features
* Qube is a money management application. All money deposited in Qube Money is held with bank partner, Choice Financial Group, Member FDIC. The Qube Money Card is issued by Choice Financial Group, Member FDIC, pursuant to a license from Visa.
Start by creating your Qubes
Qubes are all your spending categories
Spend Qubes
Spend qubes are used to pay for your every day adventures. Even if it is just to the grocery store.
Bill Qubes
Bill qubes are used to pay for your bills. Everything from rent, to Netflix, to the kids Tae-kwon Do lessons. Each Bill qube has it's own card and ACH account number giving you flexibility and control.


Goal Qubes
Goal qubes are used to save for your dreams, vacations, new car. Set a date, and stash away cash.
Start by creating your Qubes
Qubes are all your spending categories
Spend Qubes
Spend qubes are used to pay for your every day adventures. Even if it is just to the grocery store.
Bill Qubes
Bill qubes are used to pay for your bills. Everything from rent, to Netflix, to the kids Tae-kwon Do lessons. Each Bill qube has it's own card and ACH account number giving you flexibility and control.
Goal Qubes
Goal qubes are used to save for your dreams, vacations, new car. Set a date, and stash away cash.
Deposit your cash and divvy it up
Our patented system is as flexible and safe as it gets
Fund your Qubes

We've got the easiest funding screen in the business. See all your categories in one view and add funds with one click. Setup Direct Deposit and get paid 2 days early!


Deposit your cash and divvy it up
Our patented system is as flexible and safe as it gets
Fund your Qubes
We've got the easiest funding screen in the business. See all your categories in one view and add funds with one click. Setup Direct Deposit and get paid 2 days early
Tap to spend
It's kinda magic
Find the qube
We put all your Spend Qubes in one place. You can sort them however you'd like.

Tap the balance
Simply tap the remaining balance next to the qube you'd like to spend from. 
Swipe the card
Your money loads onto your Qube Card, ready for you to spend and goes back to your app once complete. 
Save $400+ a month using our method.
Our patented pro-active spending method requires you to check your budget before your spend. This awareness protects your money from impulse, and allows you to save more and be intentional with your spending.


Tap to spend
It's kinda magic
We put all your Spend Qubes in one place. You can sort them however you'd like.

Find the qube
Tap the balance
Simply tap the remaining balance next to the qube you'd like to spend from. 
Swipe the card
Your money loads onto your Qube Card, ready for you to spend and goes back to your app once complete. 
Save $400+ a month using our method.
Our patented pro-active spending method requires you to check your budget before your spend. This awareness protects your money from impulse, and allows you to save more and be intentional with your spending.


Qube provides a
best-in-class experience

Digital Cash
Envelopes
Default Zero
Technology
Payday 2
Days Early
Subscription
Controls
Virtual Bill
Qubes
Goal
Qubes
Mobile &
Web App
Apple &
Google Pay
Monthly
Reports
Recurring
Transfers
Send to
a Friend
Money
Requests
The reviews speak for themselves
The reviews speak for themselves
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  • ★★★★★
    Love Qube

    I love Qube Money! It has tremendousl helped me keep overspending in check. And I love that even if my card is lost/stolen, my money is safe!

    Jun 05 | FunshineBear13

  • ★★★★★
    The single best thing...

    Qube helps us to be on the same page with a budget and to know what we can and can't spend!

    Jun 23 | masteraviatrix

  • ★★★★★
    Best Budgeting App!

    Qube makes budgeting so easy for my husband and I. There's no more guessing about overspending or how much we have left in each category. I'd give it 10 stars if I could!

    Jun 02 | Tisha08



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  • ★★★★★
    Love Qube

    I love Qube Money! It has tremendousl helped me keep overspending in check. And I love that even if my card is lost/stolen, my money is safe!

    Jun 05 | FunshineBear13

  • ★★★★★
    The single best thing...

    Qube helps us to be on the same page with a budget and to know what we can and can't spend!

    Jun 23 | masteraviatrix

  • ★★★★★
    Best Budgeting App!

    Qube makes budgeting so easy for my husband and I. There's no more guessing about overspending or how much we have left in each category. I'd give it 10 stars if I could!

    Jun 02 | Tisha08




Bonus details
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  1. Click "Get Started" to register for the bonus
  2. Join with a paid account (Premium or Family) by 9/1
  3. Deposit $500
  4. Setup direct deposit
  5. Make 5 Qube Card transactions by 10/1
  6. Have a minimum account balance of $50 on 10/1

*10% of initial deposit (up to $50) will be deposited into the Qube account, plus $25 for direct deposit setup, if these qualifications have been met by 10/1.
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Bonus details
Click "Get Started" to register for the bonus
Join with a paid account (Premium or Family) by 9/1
Deposit $500
Setup direct deposit
Make 5 Qube Card transactions by 10/1
Have a minimum account balance of $50 on 10/1

*10% of initial deposit (up to $50) will be deposited into the Qube account, plus $25 for direct deposit setup, if these qualifications have been met by 10/1.

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*To receive the Bonus, a new user must sign up for the “Switch to Qube from Envelope Money Bonus” promotion by clicking on the sign-up button above. The User must fund their Qube paid account (Premium or Family) between 12:00 am PST 7/1/2023 and 11:59 pm PST 9/1/2023. User will receive $25 for setting up direct deposit by 9/1/2023. A 10% bonus (up to $50) will be rewarded on their cumulative deposits if at 11:59 pm PST 10/1/2023 their Qube account is in good standing, has an account balance of $50+, and the user has made 5+ Qube Card transactions that have settled. This promotion does not apply to users who were Qube customers before 7/1/2023. This promotion may be combined with other Qube promotions. Excludes money transfers and peer-to-peer payments. Qube reserves the right to refuse to pay a promotional bonus if it determines, in its sole discretion, that the bonus was claimed under wrongful or fraudulent circumstances. Qube reserves the right to end or modify any promotion at any time. This bonus will be paid on or before 10/15/2023.
© Qube Money LLC All rights reserved.
The Qube Money Card is issued by Choice Financial Group, Member FDIC, pursuant to a license from Visa.
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