Comparison

SpendNotes vs Qube Money

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SpendNotes

Easily track daily income and expenses with an intuitive interface. Organize transactions, set budgets, and monitor financial goals. Offers detailed analytics and customizable PDF reports for better financial control.

Highlights
  • Track expenses and income
  • Organize transactions by account
  • Create custom categories
  • Set daily, weekly, monthly, yearly budgets
  • Define saving goals
  • Finance overview with charts and tables
  • Detailed analytics and PDF reports
Features
Read full description

متوفر باللغة العربية. يوفر التقويم الهجري. SpendNotes is here to help you manage your spending with the least amount of effort. With this application we pursued to provide easy and beautiful way to track and view your daily income and expenses, so you can control your financial life better. SpendNotes provide very intuitive interface to do all of that, it also supports the latest feature from Apple in iOS 13 "Dark Mode". With SpendNotes, we guarantee not to save any of your data in our servers, nor use any of that for any kind of marketing analysis, so you can rest assured that no one else owns your data but you. Features include: 1. Tracking Track your expenses & income. 2. Accounts Organize your transactions into separate accounts according to their source or nature. 3. Categories Select a category for the tracked items. 4. Custom Categories Create custom category for tracking items. 5. Budgets Define budgets to control expenses over day, week, month, year or over a specific date range. 6. Saving Goals Define goals to better plan and save for you future expenses. 7. Finance Overview Intuitive chart and table for the summary of your finance over tracked periods. 8. Analytics Delve into many charts and diagrams that shows the very details of your transactions. 9. Planned Tracking Define plans to track recurring expenses & incomes, or to be paid at specific time in future. 10. PDF Reports Customize and export detailed reports of your finances in PDF format. All users have access to most of features offered by the app, And we offer an In-App purchase product "Plus", with which user can have access to the following features: 1. Define unlimited amount of accounts. 2. Define unlimited amount of budgets. 3. Define unlimited amount of saving goals. 4. Define daily, weekly & yearly budgets, in addition to monthly ones that is offered for free. 5. You can use iCloud to sync between your devices from Apple. 6. You can attach photo to your tracked items. 7. Define plans with more options to track recurring and upcoming items. 8. Export reports of your expenses in PDF format. Credits: Icons & illustrations by Icons8

About

Qube Money

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.

Highlights
  • Digital envelope budgeting
  • Automated money splitting
  • Real-time transaction tracking
  • Purposeful spending control
  • Secure card authorization
  • Peer-to-peer payments
Features
Read full description

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/

Screenshots

SpendNotes4 screens
Qube Money4 screens

Verdict

The call

The clearest difference is in-app purchases: Qube Money at none against SpendNotes's 2. Qube Money also leads on review sentiment (86% vs 69%) and ratings volume (1.6K vs 406). On price, rating, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SpendNotes sells 2 in-app purchases, starting at $4.99 per 3 months. Qube Money asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for SpendNotes against 4.6 for Qube Money. Both are backed by a comparable volume of ratings — 406 and 1.6K respectively. Written reviews are what separate them: 69% of SpendNotes's written reviews are positive against 86% of Qube Money's.

UpkeepUpdate frequency

SpendNotes ships an update every 3 weeks, Qube Money every 2 weeks. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
SpendNotes versus Qube Money: the parameters behind the verdict, then further details
ParameterSpendNotesQube Money
PriceFreeFree
Rating4.8 (406 ratings) — better4.6 (1.6K ratings)
Positive reviews69.2% of reviews86.1% of reviews — better
Number of ratings4061.6K — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size15 MB170 MB
Age rating4+4+
DeveloperSuhaib Al-AbsiQube Money LLC

Customer experience

SpendNotes

All ratings406 ratings
Positive94.8%
Neutral1.5%
Negative3.7%
Written reviews26 reviews
Positive69.2%
Neutral7.7%
Negative23.1%

Qube Money

All ratings1,606 ratings
Positive90.6%
Neutral1.8%
Negative7.6%
Written reviews259 reviews
Positive86.1%
Neutral2.3%
Negative11.6%

User reviews

SpendNotes

From 406 App Store ratings

What we love

  • 👍 Easy to use and track spending
  • ⭐️ Excellent for financial management
  • 💰 Inexpensive subscription/purchase
  • ✨ Highly customizable
  • 💯 Best app of its kind

Room to improve

  • 🐛 Glitching during purchase
  • 🤔 Some features not fully understood
  • ⚠️ Widget issues after update
  • 💸 Lifetime purchase price steep
  • ❌ Inability to track category totals over time (initially)

Qube Money

From 1.6K App Store ratings

What we love

  • 🚀 Streamlined budgeting
  • 🔒 Fraud protection
  • 👍 Intuitive envelope system
  • 💡 Digital cash envelope alternative
  • 👍 Helps control spending

Room to improve

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

Bugs and requests

SpendNotes

Reported bugs

3 issues
  • App boots off when trying to purchase full version
  • Widgets not showing properly after update
  • Developer not responding to emails

Requested features

8 requests
  • Add a 'debts' section
  • Add 'deposit', 'withdrawal', and 'savings' categories
  • MAC compatibility
  • Set budgets on a biweekly basis
  • Add multiplication and division to the calculator
Show 3 more
  • Create sub-categories for expenses and income
  • Option for lifetime free access via sharing
  • Change currency within the app

Qube Money

Reported bugs

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

Requested features

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

In-app purchases

2 purchases

SpendNotes

Subscriptions2
  • SpendNotes Plus - 3 Months$4.993 Months
  • SpendNotes Plus - Yearly$14.991 Year
None

Qube Money

No in-app purchases

Questions

Is SpendNotes free?
SpendNotes is free to download, with in-app purchases available.
Is Qube Money free?
Qube Money is free to download, with no in-app purchases.
Which has better reviews, SpendNotes or Qube Money?
SpendNotes is rated higher. SpendNotes averages 4.8 out of 5 from 406 ratings, while Qube Money averages 4.6 from 1.6K ratings.
Do SpendNotes or Qube Money have ads?
Neither SpendNotes nor Qube Money shows ads.
Which is updated more often, SpendNotes or Qube Money?
SpendNotes ships an update every 3 weeks, and Qube Money every 2 weeks. Most recently, SpendNotes was updated on November 7, 2026 and Qube Money on November 3, 2026.

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