FAQs

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Qube+ is an intentional money system that brings the cash envelope method into the digital world.

It reflects the money in your connected checking account and lets you organize it into qubes (digital buckets) for Bills, Spend, and Goals.

So you can see what your money is for, make clearer spending decisions, and stay in control before you spend.

Qube+ is not a bank and does not hold or move your money.

Think of qubes as digital envelopes for your money. Instead of seeing one big bank balance, you divide it up by what it’s for: mortgage, groceries, vacation, or whatever matters to you.

Your money stays in your bank account. Your qubes show what’s covered, what you still need to set aside, and what’s actually available to spend, so you’re in control of where your money goes instead of wondering where it went.

Qube+ helps you create a spending plan using the accounts you already have.

  1. Connect your checking account and credit cards.
  2. Create qubes for your bills, everyday spending, and goals.
  3. Fill your qubes so you know what’s covered and what’s available to spend.
  4. Pre-Qube before you spend to keep your plan updated in real time.
  5. If you don’t Pre-Qube, Auto-Qube can match the purchase to the appropriate qube after it comes through.

Qube+ does not hold or move your money and it does not issue a debit or credit card.

No. Qube+ works with the checking accounts and cards you already use. When you connect your account, Qube+ reflects your available money so you can organize it into qubes for Bills, Spend, and Goals.

Your money stays in your existing bank account.

No. Qube+ does not issue a debit card or credit card. It works alongside the checking accounts and credit cards you already use, helping you plan and track your spending without changing how you bank.

Both were built to help you spend with intention, but they work differently by design. 

what’s available before you spend.

And you can still earn rewards through your card provider.

Before

Open app

Select qube

Pay with Qube card

Now

Open app

Select qube + Pre-Qube

 Pay with your card

Qube Checking used a Qube-issued debit card. Qube+ works with the checking accounts and cards you already use, including your own credit cards, giving you more flexibility while still helping you know what’s available before you spend.

And you can still earn rewards through your card provider.

Traditional budgeting apps expect you to adapt to a budget. Qube+ creates a spending plan that adapts with you, so you can adjust as you go and make it easier to follow.

And while traditional budgeting apps wait for transactions to post before updating your budget, Pre-Qubing updates your spending plan in real time as you spend, helping you stay ahead of your spending.

Reactive (Other apps)

Spend → Wait → Fall Behind

Proactive (Qube+)

Spend → PreQube → Stay Aligned

Smart Setup, powered by Qube Intelligence, helps you get started with a personalized spending plan.

It suggests qubes and amounts for your bills, everyday spending, and goals based on your priorities, giving you a jumpstart instead of starting from scratch.

You can review it, adjust it, and make it yours before filling your qubes.

The Overview screen gives you a quick look at your spending plan and anything that needs your attention. Your qubes are grouped into Bills, Spend, and Goals, with each total showing how much money is currently in that group.

From here, you can Fill your qubes, Fix negative qubes, Match refunds, Match purchases, and Confirm Auto-Qube when those actions need your attention.

Fill your qubes is money that hasn’t been added to a qube yet. New deposits and incoming funds appear under Fill your qubes on the Overview screen, ready to fill the qubes that matter most.

If a qube has been overspent, you’ll see it under Fix negative qubes on the Overview Screen. Use available funds from Fill your qubes or another qube to cover the difference and bring it back into balance.

Pre-Qubing is the intentional money habit of entering a purchase in Qube+ before you pay. It updates your qube balance immediately, so you know what’s still available to spend without waiting for the transaction to post.

At checkout, open Qube+, see what’s available, enter the amount you’re about to spend, then complete your purchase.

1- Tap the balance of the qube you’re about to spend from.

2- Enter the purchase amount and tap Pre-Qube. Your qube balance updates immediately.

3. Complete your purchase with the card or account you normally use.

Your Pre-Qube stays visible until the transaction posts and is matched. Once matched, the Pre-Qube clears automatically. If you made a mistake, tap the Pre-Qube section to edit or delete it.

No. Pre-Qubing is optional, but it’s the best way to keep your qube balances accurate in real time.

If you don’t Pre-Qube a purchase, Auto-Qube can match it to the most likely qube after it posts.

If Qube+ isn’t confident in the match, it will appear under Match purchases on the Overview screen for you to match yourself.

Yes. You can Pre-Qube shortly after making a purchase, as long as the transaction hasn’t reached Qube+ yet.

If the transaction arrives first, Auto-Qube will step in to find the most likely match, or the purchase will appear under Match purchases for you to match yourself.

Pre-Qubing lets you update your qube balance before you spend, so you know what’s available in real time. Auto-Qube matches purchases to the most likely qube after they post.

They can work together, but you’re in control of how you use them. Pre-Qube when you want to plan ahead, let Auto-Qube handle it afterward, or mix and match based on your preferences.

A Pre-Qube will match when Qube+ can confidently connect it to the posted purchase. If the amounts or other transaction details don’t line up closely enough, the purchase may not match automatically.

If that happens, you’ll find it under Match purchases on the Overview screen, where you can match it yourself.

Pre-Qubes are temporary and can stay active for up to 7 days. 

If a matching transaction posts, the Pre-Qube clears automatically once it’s matched. If no matching transaction arrives, the Pre-Qube expires automatically.

Yes. You can:

Edit a Pre-Qube if you entered the wrong amount.

Delete a Pre-Qube if a transaction was canceled or declined.

Pre-Qubes are designed to be flexible, so you can correct or remove them as needed.

When you pay with a linked credit card, Pre-Qube the purchase from the qube you’re spending from before you pay. Your qube balance updates immediately, so you know what’s still available to spend.

When the purchase comes through from your credit card provider and is matched, the amount is reflected in your Credit Card Bill Qube, helping you keep track of what you’ll need to pay your card provider.

Watch Demo Video

You don’t have to. If you’ve already filled a Bill qube, the money is already accounted for in your plan. When the bill transaction comes through and is matched, your Bill Qube balance updates automatically.

You can still Pre-Qube a bill if you want your balance to update immediately rather than waiting for the transaction to come through.

When you add a credit card in Qube+, a dedicated Bill Qube is created for that card. When you Pre-Qube or categorize a credit card purchase, money is set aside in the Bill Qube, so you’re ready to pay your credit card bill when it’s due.

Watch Demo Video

A Credit Card Bill Qube keeps track of the money set aside for purchases made with a linked credit card, so you can see how much is reserved toward your upcoming credit card bill.

When a credit card purchase comes through and is matched to a qube, the amount is automatically set aside in your Credit Card Bill Qube, helping you stay prepared for your payment.

No. Qube+ does not pay your credit card bill or move your money.
You still make your payment directly to your credit card provider. Qube+ helps you set money aside, so you’re ready when the bill is due.

For the best experience, pay your credit card using the checking account you linked in Qube+.

This helps keep your balances and spending plan aligned.

Yes. You can add up to 10 credit cards in Qube+, and each card gets its own Bill Qube.

Qube+ helps you set aside money for new credit card purchases you make after connecting your card.

Any balance you already had before connecting your card is separate. You’ll continue paying that existing balance directly to your credit card provider.

Qube Intelligence is the technology behind Qube+ that powers smarter features like Smart Setup and Auto-Qube.

It helps create personalized spending plans, match purchases to the right qubes, and learns from your activity and feedback over time.

Auto-Qube uses Qube Intelligence to match transactions to the appropriate qube after they come through. You can review and confirm its choices, helping Qube Intelligence learn and improve over time.

Qube+ can automatically match purchases to the qubes where they likely belong. Under Confirm Auto-Qube on the Overview screen, confirm the matches or correct them to keep your spending plan accurate and improve future matches.

Qube Intelligence only Auto-Qubes purchases when it’s confident it found the right matching qube.

If it isn’t confident enough to make a match, your purchase will appear under Match Purchases on the Overview screen for you to match yourself.

As you review Auto-Qube matches and give them a thumbs up or thumbs down, Qube Intelligence learns from your choices and gets smarter over time.

Purchases that weren’t Pre-Qubed appear under Match purchases on the Overview screen once they post. Match them to the right qube to keep your spending plan accurate.

When you receive a refund, you’ll see it under Match refunds on the Overview screen. Match it back to the right qube or return it to Fill your qubes, so your qube balances stay accurate.

Transaction timing depends on your bank or card provider. Some transactions may appear quickly, while others can take longer to post.

With Pre-Qubing, you don’t have to wait. You can record the purchase at checkout so your Qube balance updates immediately, even before the bank transaction arrives. 

Once the transaction posts, Qube+ automatically matches it to your Pre-Qube when possible.

A transaction may appear under Match purchases if you didn’t Pre-Qube it and Auto-Qube wasn’t confident enough to match it, or if it happened automatically, like a bill payment, subscription, or scheduled transfer.

Match it to the right qube to keep your spending plan accurate.

Transactions that settled before your initial account sync appear as Past Transactions on the Activity screen instead. They don’t affect your qube or account balances, but you can Re-Qube one if you want it reflected in a qube’s activity for your records.

Only transactions that settle after your initial sync can appear in Match purchases.

If you transfer money from your connected checking account to a savings account that isn’t connected to Qube+, it appears as money leaving your plan because Qube+ can’t track where it went.

You can match the transfer to a Savings Qube for your records. Support for connecting external savings accounts is planned for a future update.

No. Transactions in Qube+ come directly from your connected account through Plaid and can’t be manually added, edited, deleted, or split between multiple qubes. This keeps your transaction history aligned with your financial ledger.

No. Amazon purchases appear like other purchases in Qube+. Match them to the appropriate qube just like any other purchase.

During beta, you can connect:

  • 1 checking account
  • Up to 10 credit cards

Qube+ is designed to work with the accounts and cards you already use, helping you stay organized and intentional with your spending.

Not yet. Today, Qube+ connects to your spending accounts. Support for connecting external savings accounts is planned for a future update.

This usually happens when the bank lists one spouse as the primary owner. Try:

  • Linking through the other spouse’s Qube+ login.
  • Confirming with your bank how your names appear on the account.

If the issue persists, contact Customer Support through the app or by email at support@qubemoney.com

At the moment, Apple Card has limited support through financial aggregators like Plaid because Apple doesn’t provide the same level of third-party access as many other card issuers. So unfortunately, Apple Card can’t currently be connected to Qube+.

Try these steps in order:

  • Make sure you're viewing your Qube+ account from the Profile dropdown.
  • Confirm your bank connection is Verified. If you see a Re-link button, reconnect your account.
  • If the issue continues, see "What do Sync, Repair, and Replace do?" and follow those steps.

If you’re still having trouble, contact Customer Support.

Qube+ connects to your financial institutions through Plaid. Some banks periodically expire connection credentials as a security measure, requiring you to re-authenticate your account.
When this happens, you’ll need to relink your account through Plaid, so Qube+ can continue receiving updated transaction and balance information. This process is controlled by your financial institution and may occur periodically depending on the bank’s security policies.

Reset Budget Timeline gives your spending plan a fresh start by syncing it with your current bank balance.

  • Your qubes and transaction history stay the same.
  • Your qube balances reset to $0, so you can fill them again.
  • Past transactions become Historical and no longer affect your current spending plan.
  • You may need to re-match bill due dates.

Use this tool only if Customer Support recommends it or your spending plan is no longer accurate.

Note: Adding a credit card or replacing your bank account automatically resets your timeline so all connected accounts share the same sync date.

If something looks off with your balances or transactions, try these tools in order:

🔄 Sync

Refreshes your transactions and balances from your bank. Start here.

Note: Transaction updates follow normal banking timelines and could take longer during holidays and weekends.

🔧Repair

Runs the Reset Budget Timeline, syncing your spending plan to your current bank balance while keeping your qubes and transaction history.

See “What is the Reset Budgeting Timeline?” for details.

🗑️ Replace

Reconnects your bank account as if it were linked for the first time. Use this only if Sync and Repair don’t resolve the issue. Transactions older than 90 days cannot be recovered.

Quick tip:

Start with Sync, then Repair. If the issue continues, contact Customer Support through the app or by email at support@qubemoney.com before using Replace.

Imported historical transactions won’t affect your current qube balances. You can Re-Qube them for your records if you’d like. Your current balance remains unchanged.

 Most of the time, this happens because the wrong profile is selected. Go to:

  • Profile → Dropdown at the top
  • Select your Qube+ account

 If the balance still looks off, follow the three step process. Go to your “Linked Bank Accounts” page and click “Sync”. If balances don’t match after syncing, click “Repair”. If that does not work, click “Replace”.

If you have transactions waiting under Match purchases, your Fill your qubes total may temporarily look higher than expected.

Match each transaction to the right qube. If a qube becomes negative, use Fix negative qubes on the Overview screen to bring it back into balance.

If your spouse, partner, or children already had a Qube account before migrating to Qube+, each person should sign in with their own existing Qube credentials to migrate their account.

Watch the Family Migration video.

Important: This process is only for existing Qube Checking family members. If you’re adding someone who has never had a Qube account before, use the Add a Companion or Add a Kid options below.

To add a spouse or partner:

Profile → Authorized Users → Add a Companion → Enter their email address → Send Invitation

Your companion will receive an email with instructions to join your account.

If they don’t receive the invitation, check their spam or junk folder and allow a few minutes for delivery.

Adding a kid requires a Family plan.

Once you’re on a Family plan:

Profile → Authorized Users → Add a Kid → Enter their information → Send Invitation

Your kid will receive an invitation to join your account.

If they don’t receive the invitation, check their spam or junk folder and allow a few minutes for delivery.

This is expected behavior for some legacy family accounts.

After migration:

  • The primary account holder may not see their companion listed.
  • The companion will see the primary account holder.
  • Children should still appear under the primary account holder's account.

Your family account is still connected correctly. If you’re unsure whether your migration completed successfully, contact Customer Support.

You can cancel your subscription at any time.

Go to Manage Account → Cancel Subscription, then follow the prompts.

If you need assistance, Customer Support can also help you cancel your subscription.

After canceling, you’ll continue to have access to Qube+ until the end of your current billing period.

Qube+ subscriptions are non-refundable.

If you cancel your subscription:

  • Monthly plan: You'll continue to have access until the end of your current monthly billing period. Your subscription won't renew, and no prorated refund will be issued.
  • Annual plan: You'll continue to have access until the end of your current annual billing period. Your subscription won't renew, and no prorated refund will be issued.

If you have questions about your subscription, please contact Customer Support.

Running into an issue? Contact support directly at support@qubemoney.com.

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