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Qube Money: Envelope Budgeting 4+
Envelope Banking & Budgeting
Qube Money LLC
-
- Free
iPhone Screenshots
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/
What’s New
Version 3.3.0
- New & customizable Overview
- Multiselect Qubeless Transactions
- Voided Check for Bill Qubes
- Premium Passes moved to Profile Screen
- Email Alerts added to Global Settings
- Other improvements and fixes
Ratings and Reviews
Amazing! Needs 6 things :)
I have wanted a bank to do this for so long, and now you guys have done it!!! This just makes sense, I can’t believe this is not banking standard. There are 6 things you guys need to become perfect: #1 you guys need a credit card! I want to use all these features, but I also like using my credit cards. #2 you guys need joint banking options. This is an amazing idea that I’d love to have my wife and I on an account together. #3 if you guys could add assets and stocks into the finance management overview, that would be amazing! #4 if you guys added subscription tracking, this would literally be gold! And lastly, #5 you guys should eventually add some APY’s and saving account returns. #6 finally, this needs to be free, or at least offer a free version with ads. Kinda odd that a budgeting app will cost you to use it when it holds your funds. You guys should be able to make money off of loans, credit cards, and adds if necessary. Just don’t collect our data or track us. If you guys did these 6 things, you would have the best of every app and bank out there with no competition. I would honestly transfer all my funds into this account and use it exclusively. **Update**: Your response to me said that there was a Lite plan for Qube that is free. The Lite plan that you offer as of right now is $8 and you guys don’t offer a free plan as you claim. Thanks for verifying that you do offer joint accounts though :)
Developer Response ,
Thank you for the feedback! Your requests have been shared with the team. We do currently offer joint accounts with a Premium membership. Our Lite membership is free and comes with a limited number of qubes. Thank you for using Qube!
Best budgeting & banking app
I have to give 5 stars here because this app changed the way my wife and I view money and has drastically improved our financial health. We have used Qube for about 2 and a half years now on a lifetime family membership. Before Qube we had very little sense of how much money we were spending and where, and would always overdraft because charges we would forget about would come out after we spent the money that was needed to cover them on something else. We had a budget, but no real way of knowing if we were actually sticking to it. With Qube we are able to see exactly how much money we are spending and on what because we can assign each dollar to specific categories. If one category runs out of funds we can easily shift money around from a different category as well without having to guess. We are also never late on any bills anymore because we fund the Qubes for those first and then never touch those Qubes and don’t have to worry about accidentally spending the money set aside for those expenses. The virtual card and account numbers for bill Qubes also makes it really easy for funds to automatically be withdrawn for bills. I would and have recommended Qube Money to everyone I know! The only caveat I would say is that they are still growing and refining the app so there can be some growing pains, but we have never had any major issues.
Great budgeting tool
The one draw back of this app is you have to open the app in order to spend money, but that’s also the biggest perk too. It makes you think about how much money you have before you buy something. It’s super easy to move money around which has been helpful. It does take a long time for money to transfer from our Bank of America account to Qube but we switched to having money directly deposit and that was a game changer! We get the money a day or two before the money we have directly deposited into BoA.
Going back ti having to open the app to spend money. Most of the time this isn’t that big of a deal. You can technically load the money on your card before you pull into a drive through or get to the check out, so it doesn’t slow you down while you’re trying to check out. Here are the few times I’ve struggled with the card. One time I was doing a little get away in a small town, and I was having trouble getting apps to work on my phone. I couldn’t open the app in order to load money on my card. I had to use a credit card in order to pay for things on that trip. And the second problem has been with gas but now that I’ve figured out the problem, it hasn’t been an issue. Essentially I couldn’t buy gas unless I have $60 in the Qube.
App Privacy
The developer, Qube Money LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- User Content
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Information
- Seller
- Qube Money LLC
- Size
- 226.8 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English, Arabic, Catalan, Czech, Danish, Dutch, Finnish, French, German, Greek, Hebrew, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Polish, Portuguese, Romanian, Russian, Simplified Chinese, Slovak, Spanish, Swedish, Thai, Traditional Chinese, Turkish, Ukrainian, Vietnamese
- Age Rating
- 4+
- Copyright
- © 2021 Qube Money LLC
- Price
- Free
Supports
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