Qube Money | Budget + Banking

281 reviews
Content rating
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About this app

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


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.


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.


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.


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


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.


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/

2020 Qube Money LLC. All Rights Reserved.
Updated on
Jan 30, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
Data can’t be deleted
281 reviews
January 25, 2023
Pretty challenging to set up. Tutorials guiding button clicking are cumbersome and annoying as hell. Plan for a few weeks for transfers to come in and cards to arrive, and set the transfers to repeat to keep it funded. Expecting a learning curve the first month of use. Buttons are jumbled on Pixel 2: can open cubes, but not close them. Might be best to interact via the website. Was surprised to get a welcome text from their customer service agent. Pretty impressed by that.
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Denae Bates
October 11, 2021
This app is easy to use. Qube is constantly being made more user friendly (warning, make sure you update the app to get the benefits of the updates, don't be a ding dong like me). I really like how I can combine my budget and envelopes into one technologically advanced system (seriously, find me another app that tracks my spending per area, so I don't have to think about it!). The current issues I've had are probably due to user error. I'm overall very happy with this app.
10 people found this review helpful
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Chris Busath
February 22, 2022
I loved the envelope system, but it was hard to stick with because it's more convenient to use cards. This app is the envelope system with cards. Incredible! Love it! Helps you be accountable to your budget before you spend, rather than after it's too late. The developers seem like a great team, interested in further developing this app which is also great news!
10 people found this review helpful
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What's new

Qube Money v2.5.1 (128)

- Give $10, Get $10 card.
- Your Card is on the way notification on Overview.
- Report Damaged Card and Lost/Stolen allows you to choose a custom card design and shipping options.
- Time for a new card is now supported.
- General bug fixes and improvements

Learn how to use the new features at https://support.qubemoney.com/hc/en-us