Qube Money | Switch to Qube

Digital Cash Envelope Banking!

Ramsey employees use Qube Money because it’s a digital replication of Ramsey’s philosophy. Qube Money combines the power & convenience of digital banking with the time-proven budgeting system, cash envelopes, bringing your bank balance and spending plan together in the palm of your hand, to ensure every dollar is given a job, then spent or saved - exactly as you intended!

The result is more time, better spending decisions and accelerated progress toward your financial goals.

Here's how we compare to Ramsey

We just keep adding features

Here's how we compare to Ramsey

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 your budget 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 your budget 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

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.

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

★★★★★
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

★★★★★
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

*To receive the Bonus, a new user must sign up for the “ Join Qube from Ramsey Solutions 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 9/1/2. 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.

The Qube Money Visa Card is issued by Choice Financial Group, Member FDIC, pursuant to the license from Visa. Qube Money provides financial services and is not a bank. Banking services including USD deposits and FDIC insurance are provided by Choice Financial Group.

Terms and Conditions