So Grateful for Envelope
Finally, a bank that budgets the way I do. Automate your budget, know how much you can spend each paycheck - perfection. Life changing!
Great features. Needs better design
This app has great features for a banking app and budgeting, it is however pretty plain looking.
Harry n
This is the best budgeting app out there. Instead of it just helping you understand where you are spending after you spend it stops you from breaking your budget. Anyone trying to follow a budget should use this app! It will change your life.
Great start, Looking forward to more robust functionality.
I feel like I willed this app into existence, with how perfectly its overall brief meets my needs. Using it BASICALLY works, but I’m hoping for things like Plaid-compatible bank logins, the ability to dictate how virtual cards show up in Apple Wallet, envelope cards being able to accept reverse debits (like an instant Venmo payment, for example)
Still. Even with that, this is a tool I wished existed, and then found out it did. Keep up the good work.
Still. Even with that, this is a tool I wished existed, and then found out it did. Keep up the good work.
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Best banking solution ever for families
Saved our family finances. Best banking and budgeting took for families and individuals. Saved us.
Great so far!
Initially got decline for signup - I tried again a couple weeks later - this time without taking any privacy measures with email or payment, and I got in. So far the experience is great and this has the best tech support imaginable (available with a text). Hoping they implement some kind of instant free transfer, like Zelle, and then this could be my main bank!
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Best Budgeting App I’ve Ever Used!!!
This app is so good… I promote it like the developers are paying me!! This app is a tool the helps you IN REAL TIME budget and think about your spending. A lot of apps you give a projection of what you want to spend or can spend. You normally would set aside money for a, b, c, etc. after that you do the best you can remembering how much is in the budget and so forth. This app goes another step. You actually have features that make you think twice about spending. You keep your money nice and neat in the envelopes. No more surprise transactions because each envelope can have a virtual card. I connect Netflix to it’s on Envelope and fund it accordingly. Amazing app.
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Praise be envelope!
Simple is back, and even better this time.
I’ve been waiting YEARS for the replacement of simple bank and this is it. But it’s cleaner, sleeker and the support is A+++
Please don’t go away.
I’ve been waiting YEARS for the replacement of simple bank and this is it. But it’s cleaner, sleeker and the support is A+++
Please don’t go away.
Hope Restored for Simple/ONE/Monzo/Qube Users Left Hanging
Envelope is a breath of fresh air and a restoration of hope for the multitudes left hanging by the fintech companies of days past. (RIP Simple, Qube, Monzo, or the lost features of ONE).
The app/service is developed by two people genuinely invested in the banking/budgeting experience as former Simple Bank users themselves. They actively seek feedback and build the product around user needs rather than what will make the most money.
Recently when both Qube and Monzo announced their wind down of services in the US, Envelope quickly adjusted their product roadmap/development plans to help the flood of migrating customers, working to make the transition as easy as possible for them.
While there is still work to be done, and some wrinkles here and there, I’ve quickly become a staunch supporter of Envelope and what the team is building.
Best banking/budgeting-in-one app available, no contest.
The app/service is developed by two people genuinely invested in the banking/budgeting experience as former Simple Bank users themselves. They actively seek feedback and build the product around user needs rather than what will make the most money.
Recently when both Qube and Monzo announced their wind down of services in the US, Envelope quickly adjusted their product roadmap/development plans to help the flood of migrating customers, working to make the transition as easy as possible for them.
While there is still work to be done, and some wrinkles here and there, I’ve quickly become a staunch supporter of Envelope and what the team is building.
Best banking/budgeting-in-one app available, no contest.
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Amazing
Ok I never do this. Literally never. But if you are struggling with a budget and want to keep your entire budget all within one app as a simple money manager the old school way with a twist. Simple Ui, native iOS language code, easy to understand. This will help you with your goals to achieve a managed budget that doesn’t manage you. Early direct deposit, savings account with competitive APY, virtual card numbers. It’s everything you want in a bank without the clunky, useless apps your typical bank has.
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Don’t download unless you are just looking for a new bank
Terrible platform, terrible customer service, scam of an app. Not at all like what it appears to be and hard to find that out until after you pay for a subscription. Then once you realize that it isn’t what it appeared to be and you try to cancel you are told no refunds even when it’s the same day. Don’t get unless you are just looking for a new bank and to set everything up through them instead of your established bank oh and are willing to pay fees in the amount of $10 a month of $40 per year for a bank.
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Wonderful App and Developers
The app is everything I’ve hoped for since Qube and One got bought out. And they’re adding new features all the time. The owners Josh and Katelyn are very kind and helpful and are always quick to respond. Definitely work checking out for your budgeting and financial needs.
Signup a little iffy
Looks interesting, but signup process is broken, and support is unhelpful, so the app isn’t accessible.. What can ya say? 🤷♂️
Update: I tried again a couple weeks later - this time without taking any privacy measures with email or payment, and I got in. Let the testing begin!
Update: I tried again a couple weeks later - this time without taking any privacy measures with email or payment, and I got in. Let the testing begin!
Finally found the right App!
Super helpful way to track and plan for expenses, and it’s integrated with an actual bank! Not only that, but the app interface is superb. I tried a few other options before finding Envelope, now my search is over. Highly recommend!
Finally!
Our family has been waiting for a system like this. We’ve tried so many budget apps and they just don’t work like we want them to. This actually acts like an envelope system and it brings so much peace knowing where our money is going.
Finally. The best budgeting app/bank!
I absolutely love Envelope, after the close of Simple “Bank” I had been searching high and low for a comparable replacement. The idea is basic, but it works so well- I love being able to set goals, build envelopes, and have funds set aside and automatically taken out of the right place each month.
The team at Envelope has a transparent roadmap, always adding new features, and really thinking them through so they work well.
I’m highly impressed and can’t wait to see where they go!
The team at Envelope has a transparent roadmap, always adding new features, and really thinking them through so they work well.
I’m highly impressed and can’t wait to see where they go!
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Amazing Banking App
I moved to Envelope after being disappointed with the way my old bank was constantly changing their app’s features. I bit the bullet on Envelope’s annual fee on a leap of faith, and thankfully found the most important features I’ve been looking for in this app. I’m not just satisfied with Envelope, but elated.
Here’s what I love. You can color code each envelope. There are specific fields where you can specify the due date and amount due for each envelope. You can drag and drop your envelopes to re-sequence them. Each envelope can have a virtual card. There are seemingly unlimited envelopes and virtual cards. You can order a checkbook. You can set each envelope to be allocated a certain amount of funds, either by date or by paycheck.
I understand this app is rather new and some features are still in development. The following are the features that I would still love to see — I was a little disappointed that I didn’t see them mentioned on the development roadmap on Envelope’s website, but I’m hoping they may be introduced in 2026 or 2027.
You can only link one external bank account (would love if this were at least 2-3). You can’t instantly add money from external bank accounts via Apple Pay (this can be incredibly convenient when in a pinch). After searching online, I found there’s no fee to withdraw at Allpoint ATMs, but there’s nowhere in the app to see where nearby Allpoint ATMs are located; there’s an Allpoint app that does this, but it would be nice for this map to be integrated within Envelope. Most importantly to me, there is no Protected Overdraft amount. With funds being split among so many discrete accounts, it would make this app perfect if something like $100 were able to be overdrawn from the main checking account without Overdraft Fees. I would even pay more for this feature, so would hope that it might one day be introduced at least as a sort of ‘premium’ feature.
Edit: changing rating from 5 to 3 stars because the envelopes have no account numbers. Any bills that you have can only be paid out of the main checking account. This basically makes the pockets unusable unless your only goals are setting money aside and paying bills via virtual card.
Edit 2: thank you so much for clarifying! This is amazing and the best app I’ve ever used.
Here’s what I love. You can color code each envelope. There are specific fields where you can specify the due date and amount due for each envelope. You can drag and drop your envelopes to re-sequence them. Each envelope can have a virtual card. There are seemingly unlimited envelopes and virtual cards. You can order a checkbook. You can set each envelope to be allocated a certain amount of funds, either by date or by paycheck.
I understand this app is rather new and some features are still in development. The following are the features that I would still love to see — I was a little disappointed that I didn’t see them mentioned on the development roadmap on Envelope’s website, but I’m hoping they may be introduced in 2026 or 2027.
You can only link one external bank account (would love if this were at least 2-3). You can’t instantly add money from external bank accounts via Apple Pay (this can be incredibly convenient when in a pinch). After searching online, I found there’s no fee to withdraw at Allpoint ATMs, but there’s nowhere in the app to see where nearby Allpoint ATMs are located; there’s an Allpoint app that does this, but it would be nice for this map to be integrated within Envelope. Most importantly to me, there is no Protected Overdraft amount. With funds being split among so many discrete accounts, it would make this app perfect if something like $100 were able to be overdrawn from the main checking account without Overdraft Fees. I would even pay more for this feature, so would hope that it might one day be introduced at least as a sort of ‘premium’ feature.
Edit: changing rating from 5 to 3 stars because the envelopes have no account numbers. Any bills that you have can only be paid out of the main checking account. This basically makes the pockets unusable unless your only goals are setting money aside and paying bills via virtual card.
Edit 2: thank you so much for clarifying! This is amazing and the best app I’ve ever used.
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Simple Banking finally has a long awaited replacement.
An up and coming financial godsend based around envelope budgeting. Support is top tier for being such a small team. This is an early access app so there is work to be done. But I’m happy to be part of it. Worth it.
Actually awesome
As someone who’s failed a lot of budgets… this is the one that is sticking, because there is essentially no work required from me once I set everything up. Yes, it’s still in development and has a few quirks, but all of the features are great. This app has genuinely helped me decrease my stress about finances by 80%. Cheers to the devs.
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Simple Bank Revival
If you remember Simple Bank and miss all the tools and features it offered to make your financial life easier, download Envelope. I searched high and low for alternatives after it closed. I bounced between numerous different Neobanks and financial tools that never filled the void that Simple Bank left, until I found Envelope. I’ve now been an Envelope user for a couple years now and it is only getting better. Ironically, I’m beginning to enjoy Envelope more than I ever did Simple. The road map is public and the team is relentless in executing their vision. Additionally, the team at Envelope has made it a point to make sure they are profitable by implementing a small monthly subscription charge ($5) if you end up not spending to a certain threshold in a given month. Simple Bank as amazing as it was created a great product with the idea they’d figure out how to generate profit later, which was part of their downfall. In any case, I believe Envelope will be around for a long time and it’s only going to get better.
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