# Qube Money: Envelope Budgeting — Envelope Banking & Budgeting

> Digital envelope banking and budgeting app with real-time tracking and secure spending. (iPhone/iPad app by Qube Money LLC.)

- Source: https://appshunter.io/ios/app/qube-money-envelope-budgeting/id1542093769 (this page in markdown: same URL + `.md`)
- Developer: [Qube Money LLC](https://appshunter.io/developer/1541787593)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.60/5 from 1,605 App Store ratings · 248 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 170 MB
- Languages: American English, Arabic, Catalan, Czech, Danish, Dutch, Finnish, French (France), German (Germany), Greek and 20 more
- Released: 2020-11-26
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/qube-money-envelope-budgeting/id1542093769/reviews.md

## What is Qube Money?

BUDGET + BANKING in one easy app. It's banking 2.0

Forget the pen and paper, the spreadsheets, the physical cash and envelopes, the reconciliation, the manual entry, and the inaccurate transaction reporting.

Stop worrying about losing an envelope full of cash, losing your wallet, or having your card lost or stolen.

Qube Money is going where no other budgeting app has gone before—bringing a digital version of the cash envelope system to a proprietary banking platform.

It’s not just a budgeting app, but a full-suite banking and peer-to-peer payments app, too.

QUBE YOUR BUDGET

Qube Money is a mobile banking app that automatically splits your money into separate digital accounts, creating purpose behind every dollar.

SPEND WITH PURPOSE

Choose which qube you’re spending from before each purchase, automatically limiting your spending habits. Each qube controls the available funds ready to spend with your qube debit card.

REAL-TIME BUDGETING

Qube Money automatically keeps track of precisely what, when, and where you spent—no more trying to remember what goes where—it’s already organized in your qubes.

A WHOLE NEW LEVEL OF SECURITY

The Qube Card is engineered so that you're the only one who can use it. Default Zero technology requires a category to be opened from your phone before you can spend with your card. All the advanced security technologies on today’s smartphones make it virtually impossible for someone to get into your phone and your apps. This is a whole new level of security.

HOW QUBE MONEY WORKS

  1. Deposit money into your Qube Cloud
  2. Create and fund your personal qubes
  3. Spend with complete control and transparency
  4. Automate tracking

DOWNLOAD THE APP TODAY!

Qube Money bank account services are provided by Choice Financial Group Inc and are FDIC insured.

Opening a Qube Money account will not affect your credit score.

LOVE QUBE MONEY?

Your feedback is what keeps us going!

Please take a moment to rate our app.

Find a bug? Please send an email to support@qubemoney.com. We’re happy to help!

To learn how Qube Money protects your private data, please visit  https://qubemoney.com/privacy-policy/

## Key features

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

## What do users think of Qube Money?

Overall sentiment: positive

**Pros**

- 🚀 Streamlined budgeting
- 🔒 Fraud protection
- 👍 Intuitive envelope system
- 💡 Digital cash envelope alternative
- 👍 Helps control spending
- 👍 Keeps finances organized
- 👍 Improved financial awareness

**Cons**

- 🐛 Slow money transfers
- 🔒 Difficulty accessing funds
- 🐛 Buggy app performance
- 🔒 Poor customer service
- 💰 High monthly fees

**Commonly reported bugs**

- Account freezing/locking issues
- Delayed/missing fund transfers
- Debit card functionality problems

**Most requested features**

- Automatic fund allocation
- Desktop/web app option
- Higher deposit limits
- Zelle/mobile check deposit
- Savings/investment integration

## Recent user reviews (10 of 248)

All indexed reviews: https://appshunter.io/ios/app/qube-money-envelope-budgeting/id1542093769/reviews.md

### 2/5 — Was great

*2026-07-15, version 4.9.7*

Then they lost their bank partnership for an undisclosed reason and now it’s a lot of manual labor. I’d rather just keep physical envelopes of cash instead if I have to track everything manually anyway.

### 3/5 — Struggling with the new system

*2026-05-30, version 4.9.1*

First and foremost I am aware that Qube is in beta and making changes. I do not expect it to be fully polished or bug free.

My wife and I have loved using Qube to budget and save money. I know the Qube team has had to make a lot of adjustments to the budgeting system due to changes in banking partnership. We have been eagerly waiting for Qube to be back up since the service had to pause and make changes.

Now that it is back and in beta we have been testing it out. 

Originally, your money would be stored in Qube, you would allocate it between envelopes (Qubes), and you would select one before it would let you spend on your Qube card. It was intuitive, easy to use, and effective for budgeting.

Now without a banking partner Qube is unable to have money stored in the app. You report transactions manually based on your spending between debit and credit cards.

These new steps and changes have been a point of frustration for us. I have been trying to take time learning the new system. I am fairly tech literate but have been struggling to budget with this the same way I used to.

As a customer, it’s hard to not compare the new system to how it used to work. It has been a little disappointing because the way it used to work was the perfect budgeting solution for us.

Are these just growing pains? We will find out. The team has proven they can make something great, so I feel it is worth keeping up with the progress of this beta.

### 2/5 — Good Concept but SO MANY ISSUES

*2026-05-27, version 4.9.0*

I will update if it turns out to just be lack of knowledge with the app.

That being said, I spent about 5 hours yesterday trying to figure things out.

First issue is preplanning for a future month/period. Theres no way to do this on mobile, and it’s honestly annoying. Not everyone has access to a computer, which is what I had to do my preplanning.

With May almost finished, I’m not going to start with May, that’s just silly since I’m officially broke until the 1st. I’m starting in June.

Well, there have been issues even on the computer as well. For example, all of the default categories. Not everyone had Amazon or Hulu or Spotify, and yes, you can edit them, but even editing all the defaults there were still extras cluttering things up. Archive them, right? Wrong. Tried to archive them and there was an error saying they don’t exist.

I’m going to keep it for at least the 15 day free trial, but I will not be renewing until I know how it works or determine it’s too much work to deal with the bugs.

I have a computer, but I don’t have WiFi and have to use my phone hotspot. There’s only so much of that with my plan, so I’d rather not pay for an app, pay for extra hotspot…just to do everything on the computer. I should be able to do most, if not all, from my phone.

Compared to EveryDollar, there are a few things computer/browser exclusive, but it’s small things like renaming groups or deleting extra groups.

Everything else is accessible on both the app and the browser, just those two things that are browser exclusive.

Like I said, I’m gonna give it til the end of the 15 day trial, but I, so far, hate this app due to all the bugs.

Also, I’m only able to connect the one account. Like I have 2 checking with the same bank, and 2 savings. I was only able to connect one checking, and an error showed up saying my credentials were correct but my account was ineligible. How is one checking at a bank eligible but the other checking isn’t?

In addition, I already have money towards my savings goals, from previous months, but I’m not able to add that current balance. It makes me start at $0 saved, which is annoying.

### 1/5 — Update: BEWARE lost thousands of dollars and custom service was horrible

*2026-03-21, version 4.8.2*

Current: 
BEWARE!!! 
I still have yet to see resolve from my case from the shut down of this app and the loss of their banking partner.  In the shutdown we had several thousand dollars in our account and when closing out Qube said we had negative transactions and basically stole our money.  I’m posting this here because others should be careful when engaging and maybe this will actually get someone to respond to me as a human not an AI

Former: 

We’ve been using Qube and are former Simple / One Finance Users and use Qube in conjunction with Every Dollar and Dave Ramsey’s approach to budgeting. This app does everything we need it to do and we can’t stop talking about it and sharing this with others. It’s made budgeting more enjoyable and effective!

### 4/5 — Loved it. Until…

*2026-03-15, version 4.8.0*

Qube Money was everything I needed to help me budget correctly and save. I never was able to successfully until I found this app. I loved the bank card tied to the app that would allow you to only approve transactions that you plan for. No unexpected surprises. No overdraw.

Then in October/November of 2025 when they lost their banking partner, I had to move my money out (everyone did) with the promise of them returning with another backer within a couple months. I had put myself on the waitlist on day 1. However, still to this day I am on the waitlist list. So I have given up and moved on.

I have been using Envelope as an alternative and have been happy with the results.

### 4/5 — Good app! One suggestion

*2026-01-28, version 4.2.1*

I haven’t used the new version yet since I don’t have access but this is my experience from my use before it was shut!

It is so useful being able to organize things and I don’t mind if it’s not the fastest! The only problem I have is that it’s not fully offline? I love kind of in the middle of nowhere and the city is very small often I don’t have good reception so when I want to pay for something it just doesn’t open or let me pay, I was told there’s a way to make a small amount offline? But I know this is a tall order but I really wish that the whole app would work offline!

### 1/5 — Money locked

*2025-09-30, version 3.6.2*

I tried multiple times to transfer my money out and all of them got reversed. Now my login is dead and I can’t get ahold of anyone. DO NOT RISK IT with this app.

### 1/5 — Why

*2025-09-28, version 3.6.2*

Why aren't you taking new users

### 1/5 — Disappointed

*2025-09-24, version 3.6.2*

The last month has been an absolute disaster. You’re unprofessional and disorganized. I am so done with this amateur app.

### 1/5 — Unorganized Company

*2025-09-20, version 3.6.2*

I was using Qube money to save money each week, and it was going well for awhile. That was until I received a message from the banking company Qube was using saying that all money needed to be moved out because they were no longer going to be partnering with the app. I did as I was instructed and have been trying for a month to close this account with zero help from anyone at customer service. I have taken all the steps they have sent me and yet they still charge me even though I have written them multiple times in a month stating I would no longer like to subscribe to their service. This is more of a hassle than it was ever helpful and I would not recommend.

## Frequently asked questions about Qube Money

### 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.

## Version history (last 5 releases)

### 4.17.2 — 2026-08-24

- Report a problem from past transactions when something looks wrong.
- After creating a qube, the button is Fill this Qube Now.
- Pre-Qubes list rows show the date.
- Create Account says Verify Your Email.
- Report a Problem titles stay readable in dark mode.
- Opening Profile no longer crashes.
- The last tab you used stays selected.
- Transaction dates match your local calendar day.

### 4.12.0 — 2026-07-20

- New Action Center cards walk you through setup after signup.  allocate money, Pre-Qube, connect a credit card, and take a one-tap product tour that opens and clears itself when you’re done.
- Email and SMS links to your account now open in the app and sign you in automatically when you’re already logged in.
- Search when choosing a Qube, so it’s easier to find the right one.
- Stronger passcode rules.
- Fixes for preapproved payments (edit button visibility and closing the open Qube after payment) and for the account standing screen when switching into an account that needs attention.

### 4.9.7 — 2026-06-04

Fixed:
- users couldn't connect their bank if the bank used OAuth to connect to Plaid.
- finishing signup in the browser didn't sign you into the app (stuck on the login screen).
- the welcome screen and Face ID prompt kept appearing after every logout.
- switching to an account that needed attention showed a cut-off screen instead of the full account-standing flow.
- Action Center items on the home screen could be cut off or hidden.
- Debt qubes now appear on the Funding screen.
- Action Center now shows items from all of your accounts, not just one.
- Action Center buttons and links work more reliably, including secondary buttons and web links.
- Funding list now sorts qubes with the same balance alphabetically by name.

### 4.9.1 — 2026-05-28

Features:
- Added date section headers to "Review Automated Decisions"
fixed:
- double label on allocation page
- action center handling multiple cards
- allocation page balance sort
- action center button tap no longer covered by cell tap
- couldn't click on scheduled transfer
- Fixed crash on reqube
- Due date not advancing if it's in the future

### 4.9.0 — 2026-05-14

Features:
- Added Support for "Review Automated Decisions" 
- Reqube from a qube details screen
- Removed pop-up asking about advancing due date, always advances. 
- Added "Import Bills" card to help new users get started with Bills. 
- Users can now dismiss certain action center items (x in the top right)
- Improved Goal Qube Details view
- Hide the "Categorize Transactions" bars and others when they are empty
Fixes:
- Fixed an issue where multi-select on qubeless would overlap with the Qube Icon
- Removed legacy orange checkmark on overview
- Fixed Dark Mode issues
- Fixed an issue where due date wouldn't advance if it was in the future
- Removed old ACH language on Qubeless page

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## More apps by Qube Money LLC

- [Switch Reward Card](https://appshunter.io/ios/app/switch-reward-card/id1628099305)

All apps by Qube Money LLC: https://appshunter.io/developer/1541787593

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*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 2026-08-26.*