Qube Money | Budget + Banking

381 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
Mar 4, 2024

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

Ratings and reviews

368 reviews
March 1, 2024
A great app. Transferring was a breeze and support has been helpful every step of the way. It has the features I need and I look forward to giving it 5 stars as they continue to develop and improve the app. Edit: Every update has been more and more helpful. It runs itself once things are setup and it feels much more secure than my other banks. Love it so much.
5 people found this review helpful
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Joshua Davidson
January 29, 2024
Found some "lorem ipsum" in the direct deposit form section at the bottom + the form won't submit. ⭐⭐⭐⭐⭐ Love this service despite having to pay for it. I've been able to see my overall money in the bank increase by 🤯 A LOT 🤩 with qubing and automating my budget, very much like I used to with the old "Simple" bank/app. (Although, it's not as robust / takes some setup, trial & error and getting used to.) - ⭐ Also, scrolling gets stuck. Like I'll scroll down, but can only scroll back up so far.
5 people found this review helpful
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Joe Tumminello
January 16, 2024
This is the next generation of banking! I really like that it controls your money; if there's a certain category that you're out of money on your budget, it just declines the debit card. Most banks just let the payment go through and then charge an overdraft fee. It's like having several bank accounts (like envelopes). Qube is different for the better!!
8 people found this review helpful
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What's new

Qube Money v3.1.1 (163)

- Supports Auto-Allocation. Turn it on from the Web App.
- Dark Mode Fixes
- Onboarding 1.2
- General bug fixes and improvements

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