# Envel - Mobile Banking — user reviews > 50 indexed App Store user reviews of Envel by Envel, Inc., rated 4.47/5 from 814 ratings. - Source: https://appshunter.io/ios/app/envel-mobile-banking/id1503505652/reviews - App overview in markdown: https://appshunter.io/ios/app/envel-mobile-banking/id1503505652.md - Rating breakdown: 5★ 668 · 4★ 34 · 3★ 22 · 2★ 10 · 1★ 80 ## What do users think of Envel? Overall sentiment: negative **Pros** - 🚀 Great functionality - 💡 Innovative budgeting features - 👍 User-friendly interface - 🔒 Secure banking - 🤖 Helpful AI assistant **Cons** - 🐛 Frequent app crashes - 🔒 Account lockouts and access issues - 🕰️ Slow customer support response - 💸 Unexplained money disappearance - 🤷‍♀️ Arbitrary account closures **Commonly reported bugs** - Account verification process issues - Inconsistent transaction display - Autopilot feature malfunctions - Card declines due to unexplained account locks **Most requested features** - Virtual card support - Improved shared envelope functionality - Integration with personal finance apps - Mobile check deposit - Paper check writing ## Newest reviews (12 of 50) ### 3/5 — Close but no cigar - maybe later *2023-02-07, version 3.4.1* 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. ### 1/5 — Use any other bank if you like to keep your money *2022-06-28, version 3.2.1* So I had high hopes. I liked the envelope feature and was hopefully for the AI stuff to help manage my money. But none of it really works great together. Seems like a beta that they pushed out. As well money just randomly disappears. Received a deposit for almost 2000. Few days later I had almost no money. Tallied all the transactions on my account and there was 500 dollars not accounted for. When trying to get support it went ignored for 2 weeks. I’m fortunate enough to not have to worry about the 500 dollars. Still have no answer to what happened to it. However when I replied to my existing ticket with them that was still actively ignored for 2 weeks to have them just close my account that was instantly processed :). Keep your money elsewhere. If you’re looking for a bank with envelopes and such check out One instead. Better bank and actual support. For whatever PR person responds to this Saul is the one who closed my account after continuing to ignore me :) ### 1/5 — DO NOT BANK WITH THIS BANK *2022-06-20, version 3.2.1* This is now day 4 of my account being locked and not having access to my funds. Customer support on the app keeps leaving my messages in read and not giving me an update. I’ve reached out through Instagram, the app, and through email still nothing to let me know what is going on with my account. They’ve left me stranded with literally no funds and not even the courtesy to keep me updated. Worst service I’ve ever experienced form a bank in my entire life. It’s a bank and money I can’t believe this is happening. ### 1/5 — Account deleted and zero customer service *2022-05-24, version 3.1* I opened my account then a few days later got deleted and can't create anymore when contacting their customer service it says it will reply less than an hour, but 4 days after I haven’t received any reply yet that supposed to be a live support, if you want to gain customers, fix your customer service first! Its all businesses basics!!! ### 4/5 — Great function but needs work *2022-05-16, version 3.1* I like the idea of this a lot and it seems like it works well. The only thing I have a problem with is that whenever I try to access the autopilot menu, the screen constantly glitches out and I can’t use it correctly. If that would get fixed, this would be a perfect app for me. ### 1/5 — can’t use my money *2022-04-22, version 3.1* i’m writing this review in desperation, so take it with a grain of salt. i’ve had envel for many months now and the experience has been fine, mostly seemless. for some reason this week my account started freezing. the balance stays the same and I can’t move my money anywhere. my card won’t work anywhere even though there is supposedly money that’s safe to spend. even worse, my direct deposit isn’t showing up even though my employer has sent it. this is very alarming. and because it’s the weekend I haven’t been able to get any customer support. no one has reached out to explain why my account might be frozen or the app might be nonfucntional, so i’m left in the dark and without access to my money. hence my desperation. my main card is unusable and my income nonexistent for what I imagine to be some technical glitch. please look into this and improve your customer service! until then I really can’t recommend anyone try this bank. **Developer response:** Hi Imani, apologies for the inconvenience. we sent you an email on April 18th as we need to review your identity, we have seen no activity from that email. I'll reply to your incoming chats right now. Please keep all communication in one conversation, that way we can help you much better. Many thanks, The Envel Team ### 1/5 — Don’t bother *2022-04-12, version 3.1* I wish I hadn’t referred anyone to this app. They have my money in limbo. Their core feature does not work. I cannot pay my bills because of an issue with their system, and I was told that they are prioritizing new features over a patch to fix this issue. Meanwhile when I send messages begging for support, I see the message is read (they send read receipts) but I get no response. Imaging begging a banking app to use you’re own money because they failed at the one job the banking app is supposed to get right: showing you your money, and giving you access to that money. I can’t even take my money and go to another banking app, because no one at the company will help me in any way shape or form. Totally unfair **Developer response:** Hey there, Please contact support@envel.ai. They should be able to help you. If you don't receive a reply, please post on our community forum using the email associated with your Envel account, so that I can look up your account and follow up with the support team to assist you. Best, Jacqui ### 1/5 — I'm Loving What I'm Experiencing...So Far *2022-04-08, version 3.1* Definitely gets a 4 star rating from me. I love the functionality, the anesthetics, the continuous feature updates, the way they communicate and stay in touch with their customers, and the "Humor Level" is a unique twist from a banking app. Please, as you guys keep growing and improving, don't change your unique banking style that attracted many of us to your product in the first place. I'm currently using One, Finance and their 1ONE Card as my primary bank because they have one thing that Envel DOES NOT HAVE: VIRTUAL CARDS. They are invaluable. This is the only thing keeping me from making the full switch and jumping in with both feet into the Envel ecosystem. This is one area where the 1ONE card outshines Envel. If they get this feature not only will they get my 5 Star rating, but I'll transition to Envel for all of my banking needs. Keep up the great work. **Developer response:** Hey there! Thank you so much for your feedback, I'm so so glad you are enjoying our features! We are aiming to release virtual cards in the next 4-6 weeks, so hopefully this will earn us 5 stars ;) If you ever have any additional feedback about how we could improve, we would love to hear from you! All the best, Jacqui + the Envel team ### 1/5 — Account Blocked for no reason *2022-03-10, version 3.0.1* I will not recommend this bank to anyone, not even a soul, creating an account is very easy and depositing is as well easy but after depositing $1000 they blocked my account the following day after debiting my ach bank account. That’s very unfair, I mailed them at their official email but got no response, now my account is not active anymore and other Envel users if they want to send money to me, it will say I’m not an Envel user which means this Envel bank is a scam they took my money…….. I will want you people unblock my account and release to me my money. Before I change my review 😡😡😡😡😡😡😡 ### 1/5 — Difficult FinTech company to do business with *2022-01-27, version 2.1.1* Every time I try to schedule an ACH debit using my routing number and account number this bank will never pay it even though I have the money in the account. I waisted money on NSF fees for funds that were in the account. Their application is difficult to use, confusing, and the different envelopes don’t make sense. I can only basically store money can’t use the account to make payments very annoying. I would not recommend this account to anyone there are a number of better options even if you have a Chexsystems record, bad credit , or a non us citizen. **Developer response:** We are sorry to hear about your experience. Please note that each Envelope has individual ACH details. What might have happened is that you used the account details for the income account or another Envelope which had insufficient funds. We realize that is far from an ideal solution and therefore we are working hard on a new account structure which will come soon. Please send an email to support@envel.ai with the email that was used in the Envel account and we can have a look at your account details and potentially help you out with NSF fees. Looking forward hearing from you. Many thanks, The Envel Team. ### 1/5 — Closed Account Without Reason *2022-01-14, version 2.0.20* I woke up one morning to a message from a chatbot via the Envel Bank app stating my account has been closed and they no longer wish to have me as a customer. No reasons given. No warning. No way to get the money I had in my checking account back. This is the last time I trust a bank created by people who don't even know what a bank is. ### 4/5 — Budgeting at its finest! *2021-09-30, version 2.0.9* Envel has the bones and the structure to be great. It really takes the guessing out of budgeting for you. The Ai is intuitive, but does need work for people who deposit a lot of cash. It has the future to be the new SIMPLE. IT lacks basic functions like Apple Pay, which we all have become accustom to. In due time this app will be the best. ## Most critical reviews (10 lowest-rated) ### 1/5 — WORST I’ve ever seen! *2023-02-16, version 3.4.1* 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. ### 1/5 — Beware of this Company *2023-01-03, version 3.3.1* 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. ### 1/5 — I closed my account for lack of needed features. I’m still being bothered by Envel *2022-11-21, version 3.3.0* 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. ### 1/5 — Good in theory, abysmal in practice *2022-11-18, version 3.3.0* 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. ### 1/5 — Are you kidding? *2022-11-09, version 3.3.0* Believe what you may have heard about bad customer service at Envel. They appear to be drastically understaffed. Put some money in because I’m looking for an alt now thar One is going to heck, and the deposit took oddly long. Once it was in, my account was locked with no explanation. Then, finally, after I reached out, someone told me there was something more they needed to verify me. Couldn’t get the link to work, so I put it away until I could get to it with my next pay cycle. Never mind, though, because a week after the link is sent, customer service says they can no longer offer me their services. Seriously? I’m baffled. Would love to rate how the envelope budgeting works, but I never even got to the point of being able to try it before I was booted from the system. If you’re running from One or another broken fintech and looking for a spry financial service that actually functions and let’s you budget the way you want to (RIP Simple), Envel looks good, but the people pulling the levers have some serious issues. Skip this one. ### 1/5 — Couldn’t care less about new users *2022-10-27, version 3.2.5* I tried to sign up but run into a bug. I emailed support and didn’t hear back until a week later. They told me it was fixed only to find out it wasn’t. Ive been following up with them for weeks but never heard back. At least let me know that you’re still working on the issue. Anyhow, seems to be run by a bunch of Ivy League snobs how couldn’t care less about their customers. ### 1/5 — App crashes during account registration *2022-10-20, version 3.2.5* The only downside to forcing users through one method of account creation is that if it breaks, we have no other way to sign up. Running iOS 16 on iPhone 14 Pro, app crashes for each method of SSN verification selected when pressing radio button then continue. Forces start over at ID photos. Annoying, and probably a good indication of the app to follow. Hard pass. ### 1/5 — Ruined our honeymoon *2022-09-04, version 3.2.4* The day of our wedding my app was locked. Support said I was “using a VPN to login which was why it locked.” I was not using a VPN. I checked, double-checked, googled for hidden iPhone VPN settings, nothing. All support said was “stop using a vpn.” support said the card still could access the funds so i said “fine, I know how much is in the account so I’ll deal with getting back into the app when we get back from the honeymoon.” First day of the honeymoon card gets declined. Support says nothing. No help. No way to figure out why. Just $4500 of our honeymoon money inaccessible to us. Envel is a great concept but this is peoples *money* and *livelihoods*, not some fun game y’all are playing with. Listen up Envel—either take seriously the fact that you are screwing with peoples lives and fix yourself or close down. Don’t touch Envel unless you are ok randomly losing access to all your money. Terrible support. Terrible app. Terrible company. ### 1/5 — DO NOT USE THIS APP! Its a scam! *2022-08-06, version 3.2.3* I received my card on a Saturday. I went on vacation on Wednesday. They blocked my card from working for no reason. I was stuck in the mountains with no money for food, gas, or supplies. They sent an email saying I need to verify my identity. I did what they asked. Then they asked me to verify transactions. Im like what?!!!! Next thing I know they deactivated my account and took all my money! All of it! I was stranded with no money. They said it would go to the bank account I linked. But I never linked a bank account. I had JUST gotten the account. Then they told me I would get a check in the mail. We are talking over a thousand dollars GONE! Just disappeared! I am emailing Apple, FDA, and everybody I know to report this company as a scam. Do not download this app. They will mess you up! ### 1/5 — Beware- cannot access funds *2022-07-31, version 3.2.2* I transferred in $900 and my card continues to decline. I have lost access to the app and have no way of managing my account. I have contacted support 4 times and they have never responded. I have no access to my funds for any of my bills and there is no other option to contact support besides the way I did. It is over a week now without access and no response to help me. I thought I was going to like this app but they have taken $900 and do not respond to messages for help. Do not download, there are multiple other legit online banks. ## Most praised reviews (10 highest-rated) ### 5/5 — Love this app *2022-04-06, version 3.1* There is still progress to be made, but far better than any other banking option available today ### 5/5 — Will Update After Using It For a While *2022-02-18, version 2.1.2* Right now this will be 5 stars due to just the aesthetic of the app. I'm switching from Bella Banking because of the once good and quick customer service isn't the best now adays. I am always have trouble saving or having the will to save for various things and end up not having enough for emergency funds and such. I like the autopilot idea, and I'm planning on doing a Disney Land trip in August so I'll see if I can stick to a budget to have the alloted amount I want in there each month. **Developer response:** Hey there, Thank you so much for your wonderful review! We've done a lot of work on our UI/UX, and are so glad you like the aesthetic of the app. We wish you the best of luck in saving for your trip to Disney Land, you can do it! Best, Jacqui ### 5/5 — Awesome bank! And amazing company! *2021-09-11, version 2.0.7* Envel is changing the banking world. The way the app helps you save money and organize things is amazing! Also they really listen to their users. If you have a problem or suggestions they will actually listen and implement them as necessary. Give them a try you will be pleasantly surprised! ### 5/5 — The Best Banking App! *2021-09-10, version 2.0.7* I was happy that Envel launched around the time Simple was closing down. Envel is one of the few apps that allows you to bucket your money into different envelopes for budgeting. It also have one of the cleanest user interfaces. I hope it helps others organize their financial lives like it has done for me. ### 5/5 — Great User Interface! *2021-09-10, version 2.0.7* The interface is awesome, especially for a banking app. They make personal finance something you don’t have to loathe! Excited to see all the additional features that they add on overtime ### 5/5 — Wow *2021-09-10, version 2.0.7* I’ve been with Envel since March an funded my account the beginning of April.. There’s been some gaps in-between on bugs and some inaccuracies towards this app but the team actually listens pulling thru with discord channels to reach multiple support unlike other traditional banks this one is definitely a game changer on managing your money accordingly… I’ll be looking to more updates on down the road… ### 5/5 — New Banking *2021-09-10, version 2.0.7* This is an app and bank that is super convenient with some plans to make it even more innovative. I look forward to the plans they’ve mentioned and seeing how much better making banking experience can be. The ability to change between accounts with one card is so awesome! ### 5/5 — Good features *2021-09-10, version 2.0.7* Great experience and user friendly app. Envelope budgeting system is intuitive and really valuable. Love the Goals capability - and the Autopilot features take the work out of saving! ### 5/5 — Great experience for me *2021-09-10, version 2.0.7* This bank has been doing really great for me. Their customer service is great and they work their absolute best to resolve the issue you may have. Definitely recommend to give it a chance. ### 5/5 — Amazingly happy *2021-09-10, version 2.0.7* This is a great app that allows you to customize just about everything. A real meaning to digital banking envelopes. You are allowed to set goals and the A.I does the rest. An awesome app. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*