Envel - Mobile Banking

Envel - Mobile Banking

by Envel, Inc.

814 ratings
50 reviews

Archived App

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • October 27, 2020
  • January 24, 2023
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About

This app uses AI to help you manage your finances, automate savings, and budget effortlessly. It offers features like early direct deposit, free ATM withdrawals, and customizable envelopes for organizing your money. Security is a top priority with advanced encryption and card management tools.

AI-powered budgeting and savings
Automated bill payments
Early direct deposit
Free ATM withdrawals
Customizable money envelopes
Instant money transfers
Card security controls
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What users say

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What's New in Envel

3.4.1

January 24, 2023

- Bug fixes

User reviews

WORST I’ve ever seen!

RUN from this bank!!…The app is bizarre…it’ll cause one to think their money just POOF, DISAPPEARED!…Weird things happen, alot. I’ve also had to chat with support about inconsistent $ amounts displayed between different screens in the app…one envelope will say x amount transferred while the transactions screen will say a different y amount was transferred! Also there’s no way to set the app to set aside a consistent amount into an envelope per unit of time…example, I’d like to set aside $200/mo into a heating oil envelope…it literally can’t achieve that…it decides how much it’ll set aside regardless of the amount you set…They need to just start over with a separate app.
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Close but no cigar - maybe later

I banked with Envel for 1.5 years, including all of 2022. I saw improvements and fixes to many issues important to me during my time with the bank, but I also saw implementation of revenue features (investments) instead of what I thought were critical additions, like Mint/YNAB aggregator connections or data export to flat files (.csv or .xlsx) instead of impossible-to-parse PDFs. I'm trying to automate bill planning *and* evaluation of my financial health, which was impossible. I also found paying for something I saved for using an envelope to be clunky and unintuitive, but this was also true of Simple.

Once they work out some more kinks, I may come back.

Also, it's worth recognizing they partner with a smaller bank, not one of the fossil-fuel-financing Big Five. That's a big deal. Thanks for that.
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Beware of this Company

We were locked out of our Account with no access to our money for days. We could not spend, we could not move money, payments were declined for recurring charges, and even direct deposit into this account was declined. There is no real time customer service and no way to talk to anyone directly except through email and chat and you rarely get a response. I strongly urge you to check out this company on the Better Business Bureau website before choosing to move your money there. You will see that multiple people have had this very same issue and the company is very arrogant with a canned response that is the same to everyone saying they can pretty much do whatever they want.
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I closed my account for lack of needed features. I’m still being bothered by Envel

I almost immediately closed my account after opening it. I emailed customer service to let them know not to send me a card and that k don’t want the account. They said it was closed. I still received a card and the emails to activate won’t stop. This company is like a digital disease. I don’t recommend catching it. I’ve emailed multiple times to ask that my account actually be closed but I just continue to get their aI generated emails to activate. No thanks please close my account and leave me alone.
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Good in theory, abysmal in practice

I really wanted to love this bank. It has envelope spending, built in goals and the ability to switch which swipes go where.

This is where the good stops. The customer service team is understandably overwhelmed and not substantive enough, their ticket bot useless and their penchant for closing accounts with no cause or explanation makes me very sad and angry to one star envel. But I can’t use a bank that won’t work.
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User experience

🐞

Reported Bugs

4 issues

Account verification process issues

Bug

Inconsistent transaction display

Bug

Autopilot feature malfunctions

Bug

Card declines due to unexplained account locks

Bug

Requested Features

5 requests

Virtual card support

Feature

Improved shared envelope functionality

Feature

Integration with personal finance apps

Feature

Mobile check deposit

Feature

Paper check writing

Feature

FAQ

What does Envel do?

Envel is a financial technology company that uses artificial intelligence to help users manage their money more effectively than traditional banks. It offers automated budgeting, savings, bill payments, and instant money transfers, all within a secure mobile platform.

What are the key features of Envel?

Key features include AI-powered Autopilot for automated budgeting and savings, early direct deposit up to two days before payday, free withdrawals at over 37,000 MoneyPass ATMs, and the ability to create customizable 'Envelopes' for different spending categories. It also provides instant money transfers, card security controls, and automated bill payments.

Is Envel free to use?

Yes, Envel offers a free mobile banking experience with no monthly fees or minimum balance requirements. Users can open an account without charge and benefit from free ATM withdrawals.

How secure is Envel?

Envel prioritizes security by leveraging cutting-edge technologies and encryption to safeguard user data and the platform. Users have one-click control over their debit card, allowing them to freeze, unfreeze, or order a new card instantly. Balances held with nbkc bank are insured up to $250,000 by the FDIC.

Who is Envel designed for?

Envel is designed for individuals who want a smarter, more automated way to manage their finances. It's ideal for those seeking to simplify budgeting, automate savings, avoid bank fees, and gain better control over their money through AI-driven tools.