Real Simple’s Smart Money award winner for #1 budgeting app.
Gain control and confidence with money
Easy Set Up
Choose Your Categories
Add Your Income
Organize Your Money
Spend From Your Plan
Adjust as You Go
These steps are a one-time task
Introduction
The time-proven cash envelope system brought into the 21st century.
Choose Your Categories
Create categories for your goals, expenses, and bills.
The Magic
Imagine trying to solve a puzzle without knowing what the picture is—it's tough, right? Money works the same way. Having a clear idea of what you need and want your money to do makes it simple to create the life you want.
Add Your Income
Set up direct deposit or a recurring transfer to deposit money into your account.
Qube is a financial technology company, not a bank. Deposits are held by Choice Financial Group, Member FDIC. The Qube Money card is issued by Choice Financial Group, pursuant to the license from Visa.
The Magic
Setting up recurring deposits in your budgeting app is like giving life to your financial plan. It transforms intentions into actions, ensuring your budget isn't just a plan on paper but a dynamic tool helping you prepare for any incoming events.
Organize Your Money
Divide up your money into your categories based on your plan. You can automate this so you can work toward your goals effortlessly!
The Magic
Having clarity about how much money you have for each category builds confidence and peace.
Spend From Your Plan
Tap the balance of the category you want to spend from and the money from that category is immediately available to spend on your Qube debit card, or use the virtual card/account number to pay bills. Balances update automatically and in real time each time you make a purchase.
The Magic
Spending directly from your plan takes all the guesswork out of money.
Adjust as You Go
When there's a new family member, higher rent, or a new hobby, it's okay to adjust your plan. Being open to changes helps you manage your money better.
The Magic
Changing your plan when life changes keeps your money in line with what matters. Being flexible helps you handle new needs without messing up your finances. Remember, mindful banking is like learning anything new—it takes time. Patience is key as you figure out what works best for you.