Qube Money | How it works
Spend better.
Live more.
 
Finally, a banking and budgeting system that acts like real cash envelopes.
 
settings
Spend better.
Live more.
 
Finally, a banking and budgeting system that acts like real cash envelopes.
 
settings


Scroll down to learn more.
⬇️
Start by creating your Qubes
These are all the things you spend money on


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
These are all the things you spend money on


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 patended system is as flexible and safe as it gets



Funding screen
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!
Joint and kids accounts
Budgeting with a partner has never been easier. Share qubes, goals and build dreams together as a family.
Gain peace of mind
Qube's patented spending method makes the Qube Card the safest card on the planet.

Deposit your cash and divvy it up
Our patented system is as flexible and safe as it gets



Funding screen
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!
Joint and kids accounts
Budgeting with a partner has never been easier. Share qubes, goals and build dreams together as a family.
Gain peace of mind
Qube's patented spending method makes the Qube Card the safest card on the planet.

Tap to spend
It's kinda magic


Step 1
Find the qube
We put all your Spend Qubes in one place. You can sort them however you'd like.
Step 2
Tap the balance
Simply tap the remaining balance next to the qube you'd like to spend from. 
Step 3
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


Step 1
Find the qube
We put all your Spend Qubes in one place. You can sort them however you'd like.
Step 2
Tap the balance
Simply tap the remaining balance next to the qube you'd like to spend from. 
Step 3
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
A best-in-class experience
Qubeless
Want a little more flexibility? Turn on Qubeless to swipe at will and categorize after. We group all Qubeless transactions in one space for easy logging.
Virtual account numbers
Each Bill qube has it's own card and ACH account number giving you flexibility and control.
Subscription controls
We give you full control over when and how money comes out of your account. Need to pause your Netflix? No, problem. Just hit the pause icon in the app.
Desktop app
For the times when you really need to break the big guns out, we've got you covered. See all your transactions, qubes and more on our web app.


Qubeless
Want a little more flexibility? Turn on Qubeless to swipe at will and categorize after. We group all Qubeless transactions in one space for easy logging.
Virtual account numbers
Each Bill qube has it's own card and ACH account number giving you flexibility and control.
Subscription controls
We give you full control over when and how money comes out of your account. Need to pause your Netflix? No, problem. Just hit the pause icon in the app.
Desktop app
For the times when you really need to break the big guns out, we've got you covered. See all your transactions, qubes and more on our web app.


The reviews speak for themselves
⭐️⭐️⭐️⭐️⭐️
 Best thing since sliced bread 
 I've been waiting on this app for 3 years as they kept improving it and I am already so impressed with Qube Money. It's quick and easy to use from in person transactions to online purchases. I can tell you that the customer service is stellar and this company has so much integrity. You won't be sorry to be an early adopter because it's only going to keep improving. 
⭐️⭐️⭐️⭐️⭐️
 Best way to budget 
 Make your bank your budget! My wife and I have been using it for about six months and it's been amazing! 
⭐️⭐️⭐️⭐️⭐️
 Qube has really helped me be conscious of my spending 
 I have really enjoyed using qube!!
I pay an annual fee in order to have a 2nd authorized user, my boyfriend whom I live with. It's been really nice to assign our money to our joint bills and expenses, and also set aside money for our personal expenses.
I love the bills section that I can set up to automatically withdraw from. I'm still working out how to use qube to best fit my needs. 
⭐️⭐️⭐️⭐️⭐️
Changed our financial lives 
 My wife and I are used to carry multiple cards due to separating out our bills, groceries, shopping, etc into different accounts to help with budgeting. Que completely solved this and has been wonderful for peace of mind.
Once you build the habit of using the qubes it works wonders on spending, and helps us to be mindful instead of blindly making purchases. We absolutely love this app, and can't wait for automated funding which will really make this the perfect banking for us.
We can finally say goodbye to Chime and the rest of our big bank checking accounts. I hope Qube continues to grow and is around forever. 
The reviews speak for themselves
⭐️⭐️⭐️⭐️⭐️
 Best thing since sliced bread 
 I've been waiting on this app for 3 years as they kept improving it and I am already so impressed with Qube Money. It's quick and easy to use from in person transactions to online purchases. I can tell you that the customer service is stellar and this company has so much integrity. You won't be sorry to be an early adopter because it's only going to keep improving. 
⭐️⭐️⭐️⭐️⭐️
 Best way to budget 
 Make your bank your budget! My wife and I have been using it for about six months and it's been amazing! 
⭐️⭐️⭐️⭐️⭐️
 Qube has really helped me be conscious of my spending 
 I have really enjoyed using qube!!
I pay an annual fee in order to have a 2nd authorized user, my boyfriend whom I live with. It's been really nice to assign our money to our joint bills and expenses, and also set aside money for our personal expenses.
I love the bills section that I can set up to automatically withdraw from. I'm still working out how to use qube to best fit my needs. 
⭐️⭐️⭐️⭐️⭐️
Changed our financial lives 
 My wife and I are used to carry multiple cards due to separating out our bills, groceries, shopping, etc into different accounts to help with budgeting. Que completely solved this and has been wonderful for peace of mind.
Once you build the habit of using the qubes it works wonders on spending, and helps us to be mindful instead of blindly making purchases. We absolutely love this app, and can't wait for automated funding which will really make this the perfect banking for us.
We can finally say goodbye to Chime and the rest of our big bank checking accounts. I hope Qube continues to grow and is around forever. 
settings
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© 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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