Qube Money: Budgeting App Review
Qube Money isn't available on Finder right now.
- Fee
- $0 per month
- APY
- N/A
- Minimum deposit to open
- $0
Our verdict
An app with digital envelopes and a $0 membership option.
Qube Money is a budget app with a debit card that utilizes the envelope budgeting method — without needing to use actual cash or physical envelopes. The main perk with Qube Money is its “Qubes,” and you get three with the $0 Lite plan. The Qubes are the digital envelopes you use for envelope budgeting, which you add money to, and then use those categories to load your debit card so you’re directly spending from your budget. If you want to add more people to Qube, you’ll have to upgrade to the Premium plan for $12/month or the Family plan for $19/month. Also, Qube Money doesn’t accept cash, check or ATM deposits, and it doesn’t support wire transfers.
Best for: Couples or families looking to envelope budget digitally.
Pros
-
$0 plan option
-
Digital envelope budgeting
-
$0 overdraft fees
-
Tons of functionality
Cons
-
Upgrade to paid plan for more Qubes
-
Doesn’t accept cash, ATM or check deposits
-
No wire transfers
-
Lite plan limitations
Qube Money plans and cost
Qube Money has three plans to choose from, ranging from $0 per month to $19 per month.
| Plan | Cost | Features |
|---|---|---|
Lite | $0 |
|
Premium |
| Everything in Lite, plus:
|
Family |
| Everything in Premium, plus:
|
What we like about Qube Money
Qube Money is a fintech company whose deposits are held by Choice Financial Group. Choice Financial Group also issues the Qube Visa debit cards. So, while Qube isn’t a bank itself, it does have a bank partner to offer FDIC-insured banking services.
Envelope budgeting
Qube is, first and foremost, a budgeting app. Its functionality is designed around budgeting and its subaccounts.
Similar to SoFi’s Vaults or Ally Bank’s Buckets, Qube Money has “Qubes,” which are subaccounts to sort your spending and savings. Sorting money like this is usually called the envelope budgeting method, which is an old budgeting technique that involves sorting all your cash into physical envelopes to organize spending, such as $1,000 for rent, $200 for utilities and so on.
With Qube Money’s base plan Lite, you get up to three Qubes. You can choose which budget categories are assigned to which subaccounts, such as groceries, gas or travel. Then, you add your money to the Qubes. In the app, you select which Qube will fund your Qube Debit Card. This means that you’re directly spending within and from your preset budget.
Go Premium for a joint account option
If you have a spouse you’d like to add to Qube, you’ll have to go with the Premium plan for $12 monthly (or $108 annually to save $36 per year).
The Premium plan lets you add a joint user and gives you unlimited Qubes. You’ll also get subscription management tools, up to $10 in monthly ATM reimbursements, free outgoing fund transfers, zero stop payment fees and free card replacements.
Multiple funding options
Qube isn’t a physical bank, so you’ll have to go with electronic funding methods. Luckily, Qube is pretty flexible. You can fund your Qube account using the following methods:
- ACH transfer via direct deposit or bank account
- Card deposit from linked external account
- Third-party app funding, such as PayPal, Cash App or Apple Cash
Depending on the funding method, fees may apply. For example, Qube charges up to 1% of the transaction amount for funding your Qube account via an external debit card.
Where it falls short
If you just want to try Qube Money on your own, there’s no cost for the Lite plan. It’s basic, but you won’t have to commit to a monthly fee.
However, Lite plan members will have to deal with more miscellaneous fees than those with Premium or Family memberships. For example, fees included with the Lite plan include a $3 ATM transaction fee, a $1 outgoing bank transfer fee, an $8 card replacement fee and a $10 stop payment fee. With the Premium and Family plans you don’t have to worry about any of those fees we just listed.
Additionally, Qube has a lot of funding options, but it’s still missing ATM deposits and mobile check deposits. And since it’s not a brick-and-mortar bank, you can’t deposit cash anywhere, either.
Qube fees and access
| Type of fee | Fee details |
|---|---|
Monthly service | $0, $12, or $19 depending on plan |
Opening deposit | $0 |
ATMs |
|
Debit card fees |
|
Overdraft or nonsufficient funds | $0 |
Other fees |
|
Compare other budgeting apps
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Qube customer reviews and ratings
| BBB accredited | No |
|---|---|
| BBB rating | B+ |
| BBB customer reviews | 4.25 out of 5 stars, based on 28 customer reviews |
| Customer reviews verified as of | 04 March 2025 |
Qube Money doesn’t have a Trustpilot profile, but it receives decent feedback on the Better Business Bureau (BBB), which is pretty rare. Most customers of banking products only leave reviews on the BBB if they’ve had a negative experience, so that’s nice to see.
The most common complaint among positive and negative reviews is slow transfer times. A few customers say they paid for expedited card shipping but didn’t receive their cards for over a week, and a handful report unresponsive customer service.
Positive reviews are more common, though. One customer says they haven’t any issues with moving funds around and that the app worked as expected, acknowledging the negative complaints and reviews Qube has received. However, they say they can’t leave their primary bank since Qube doesn’t offer checks and that Qube’s transfers are only fast with small amounts.
On the budgeting side of things, customers report the app works just as intended. Many customers love the envelopes that help put their spending in perspective, couples say the joint account helps both partners stay on the same page and several more report they’ve been able to save money thanks to the app’s seamless budgeting system.
What do people on Reddit say?
Checking account ratings
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★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
Qube Money is not currently available on Finder
Have you considered SoFi Checking and Savings?
Earn up to 3.80% APY on savings by meeting deposit requirements or by paying the SoFi Plus subscription fee every 30 days, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
- 0.50% APY on checking balance
- Up to 3.80% APY on savings
- $0 account or overdraft fees
- Get up to a $300 bonus with direct deposits of $5,000 or more
Frequently asked questions
Your reviews
Bethany Finder
Banking editor
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