Qube Money: Envelope Budgeting

Qube Money: Envelope Budgeting

Envelope Banking & Budgeting

1.6K ratings
256 reviews
Free

Details

  • Released
  • Updated
  • November 26, 2020
  • September 2, 2026

Features

Qube Money: Envelope Budgeting screenshot #1 for iPhone
Qube Money: Envelope Budgeting screenshot #2 for iPhone
Qube Money: Envelope Budgeting screenshot #3 for iPhone
Qube Money: Envelope Budgeting screenshot #4 for iPhone
Qube Money: Envelope Budgeting screenshot #5 for iPhone
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Qube Money: Envelope Budgeting screenshot #7 for iPhone
Qube Money: Envelope Budgeting screenshot #8 for iPhone
Qube Money: Envelope Budgeting screenshot #9 for iPhone
Qube Money: Envelope Budgeting screenshot #10 for iPhone
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About

This app combines digital banking with a cash envelope budgeting system. It automatically divides your funds into separate digital accounts, allowing you to spend with purpose and track transactions in real-time. Enjoy enhanced security with a unique card authorization system.

Digital envelope budgeting
Automated money splitting
Real-time transaction tracking
Purposeful spending control
Secure card authorization
Peer-to-peer payments
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What users say

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What's New in Qube Money

4.17.8

September 2, 2026

- Improved bank linking during onboarding, especially for Chase accounts. - Bill due dates now display on the correct calendar day. - Pre-Qubes are grouped by date for easier browsing. - Transaction corrections now show the updated amount immediately. - Improved the first-launch experience and overall app stability.

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User reviews

Game changer for our family finances

Qube allows my wife and I to look at our budget anytime AND give us real-time comparison of our spending in relation to our budget. A fantastic tool!!!

It really makes money a tool to achieve our goals rather than an obstacle.

We just needed a 10 second pause

Qube Money has revolutionized my approach to spending. It’s just what we needed. It turns out all we needed was a short pause before we spent money, 10 seconds at the most to see how much money we had left in each budget ‘Qube’.

Love it! Keeps me feeling in control

Love it! Keeps me feeling in control of my spending. I am saving money each month now while feeling in complete control of my money. It is wonderful

Uniquely powerful

Qube has cracked the code on getting emotions (the primary motivator in money decisions), goals (the rational side), and the greater purposes we hope for to line up. The rational work up front gives the emotions effective guard rails to work with so the ultimate purposes are achieved. Feel the rush of financial freedom; gain momentum for your goals; curb your emotional appetites and let tech do the heavy lifting for all of it. Our family could never find the right solution until Qube. Highly recommend.
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Amazing app that changes thinking about money

We have been using Qube Money for over a year now and can’t imagine life without it. It teaches you how to spend the money you have, which gives you FREEDOM to do and buy things you want, all without the guilt. You and your partner have access to the Qubes and balances in real time. It’s been a game changer for us! There are different subscription levels to meet your needs and all are affordable and comparable to other budgeting apps that don’t do what Qube does. You’ll save that and more!
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Developer apps

User experience

🐞

Reported Bugs

3 issues

Account freezing/locking issues

Bug

Delayed/missing fund transfers

Bug

Debit card functionality problems

Bug

Requested Features

5 requests

Automatic fund allocation

Feature

Desktop/web app option

Feature

Higher deposit limits

Feature

Zelle/mobile check deposit

Feature

Savings/investment integration

Feature

FAQ

What does Qube Money do?

Qube Money is a mobile banking app that integrates a digital cash envelope budgeting system. It automatically splits your deposited funds into separate digital accounts, called 'qubes,' to create purpose behind every dollar. You can then spend directly from these qubes using a linked debit card.

How does the spending security work?

The app features a unique 'Default Zero' technology. Before you can spend with your Qube Card, a specific category or 'qube' must be opened from your phone. This, combined with smartphone security features, makes it very difficult for unauthorized users to access and spend your funds.

Is Qube Money free to use?

Based on the provided information, Qube Money is offered as a free application. It provides banking services through Choice Financial Group Inc. and is FDIC insured. Opening an account with them will not impact your credit score.

How do I get started with Qube Money?

Getting started involves three main steps: first, deposit money into your Qube Cloud. Second, create and fund your personal 'qubes' for different spending categories. Finally, you can begin spending with complete control and transparency, with the app automating transaction tracking.

What are the benefits of using the envelope system digitally?

Digitally managing your budget with envelopes eliminates the need for physical cash, spreadsheets, or manual entry. It offers real-time tracking of where and when you spend, automatically organizing transactions within their designated 'qubes' for better financial clarity and control.