Qube Money: Envelope Budgeting Reviews

My husband and I have tried to budget many times in our 20 years of marriage and we end up quitting every time because we don’t have the time. The systems we have tried were a lot of work. We would always fall behind with tracking transactions. Covid 19 has been tough, so we were looking for a budgeting tool. Digital cash envelope banking caught our attention, so we signed up to be beta users. We were lucky to be one of the first groups to join beta. What makes Qube Money work so well is Qube is both our bank and our budget, so we literally spend money from our budget. We see in real-time how our spending choices aligns with our plan. We are seriously winning with our money. In less than 5 minutes per month, we feel organized and in control of our money. The automatic tracking is unbelievable! We are making progress to our goals much quicker than we have in the past. We can’t wait for companion cards. In the mean time we are both logging into Qube with the same credentials and using ApplePay. Qube Money is developing the banking system we have always wanted. When you download QubeMoney make sure you join the Facebook group. The Qube team is awesome. They listen. They are adding new features and improving the interface. I have heard that they have plans to add high yield savings, teen/kid cards, automatic debt elimination... Sorry, I am rambling. I am just so excited about this!

I used to check the bank account several times a day because we were so stressed about money. We live on a budget, and I was always worried that the electric bill money would be spent on eating out, or something like that. We would spend way too much on eating out or something, and only realize the extent of the damage at the end of the month when we held a family budget meeting. We tried cash envelopes and liked the knowledge that things were covered, but cash was cumbersome, not accepted everywhere, and we had to remember to go to the bank right at the start of the month. This is the best of both worlds. You have the cash envelope mentality and peace of mind, but in the digital age. Since we’ve started using Qube, we have not gone over budget once. In fact, we’ve underspent! Our savings account is growing steadily, and our money stress is almost non-existent. It does take a sec to open QubeMoney and the Qube, but you can do that while standing in line at the store. In fact, I prefer it that way because I know my money is always on lockdown. If I do t have a Qube open, nothing is getting through. No more calls from the bank about hackers and fraudulent purchases! Each time you open QubeMoney , you see the real-time balance available, and that keeps you in line. Thank you, Qube!

I have have QubeMoney almost a year. Not really adding to it because I was unemployed. I would add money sparingly like every few months no more than maybe $25 bucks. Never used the card. Fast forward to July/ August 2021 I’m working full time, sending money over from my bank transfer ( the 2-3 business days ) no big deal. But the one time I really needed the instant debit feature to fund my cube to pay a bill with other money inside the cube, my instant debit never showed up! AND you can ONLY do $100. Ugh. The aggravation of this ALL no customer support on weekends, money gone from my chase account $100 (shows it was a cube transaction), my emailed receipt from Qube shows a receipt # and the amount BUT no money has shown up. It now has been over 24hrs and still NO instant deposit. I have not have an issue with the actual card so I will not speak on that.

* I have 3 stars because I really like where QubeMoney can go. I don’t have to link my bank accounts. I like the digital envelopes and the debit card feature but tbh I am currently in process looking for another app with these features and better reviews.

* I have test to be contacted back by customer service via chat (which is where I initially started for help) and I have also sent an email but nothing. It has been over 24hrs.

When my husband and I decided to go back to an envelope systems, we found Qube as the answer to the problems of how impractical actual envelopes can be. It is awesome to have digital envelopes, and makes budgeting for things like Gas, Groceries, Utilities, Gifts, Pets, etc SO much easier because you can add a consistent amount every month, and let it build up in your Qube until you need to use the funds. This consistency is key to managing a budget and Qube makes it much easier than trying to earmark funds in your normal bank account. Can be frustrating when you have poor cell service in a grocery store, does take a long time to deposit money into, and doesn’t yet have mobile check deposit, but the tech team is constantly working on improving QubeMoney and adding features. It has already come a long way since the beginning of 2021, and I am sure it will continue to improve.

To declare my bias upfront: I have dreamed of a “digital envelope” budgeting system for YEARS. Even going so far as trying to decipher if I could create one myself. So I am Qube’s target audience to a T and certainly not everyone will be.

That being said- I am amazed at how well it works. I open the Qube and 5 seconds later make a transaction and it goes through without a hitch. I was a bit nervous to use it for the first time in a checkout line, but I trust it wholeheartedly now.

I had some issues with setup, but customer service was able to solve my issue right away. I do wish the methods for depositing money were simpler, but it is a fully-fledge bank account so there’s only so many ways to do it, and yes each of them do charge a fee. Nevertheless, I am willing to pay a small fee at the beginning of every month for my initial deposit in order to have all of my budget handled in such a clean way. The free basic plan also is the perfect amount of complexity and simplicity for me, so I am a happy customer.

TL;DR:
- works great for what it’s meant to do (budgeting decisions made BEFORE a purchase)
- depositing money can be a bit tough and incurs a fee in almost every method
- card does feel a bit cheap. I expected a tech-y company to have a metal card, but that’s a small personal preference

9/10 recommend.

First off QubeMoney is by far the closest concept to cash envelopes (obviously lol). I transitioned from using cash envelopes to using Qube and I honestly might never go back. However, one issue I noticed as many other users mentioned is the time it takes transfers to complete. I would get paid every two weeks on Friday but have to start adding to my Qube cloud on Monday that week for it to be there by next Monday after I get paid. So if that could be shortened down to 1-3 business days that would really help alot because too much can happen in the 3-5 (definitely 5) business days that it takes to get to the cloud. Also I love the idea of debit deposits but really a fee? After it takes 5 days to submit now for instant there’s a fee lol. Anyways, other than those issues I love QubeMoney and can’t wait to see what this unfolds into great potential. Cheers!

I got to say that there is a lot of stuff out there that help with financing but NOTHING out there is better then QUBE!!! I have tried other financing apps but they have all not worked for me. I hate saying no to my wife but with using qube if my wife asks me for something I ask her to check her qube. If there are funds in it then she can get it, if not then she can’t. I no longer have to feel bad for saying no to my wife to getting something as QubeMoney can do it for me. Keeps track of spending as you spend and makes you choose what qube to pull the funds from which makes it so if you want to overspend you must pull out money from a different qube BEFORE you purchase. With people not taking cash this is the future for the employees method of budgeting! I would recommend it to everyone and anyone. SO with the cost!

Happy to have been a beta tester with Qube. Developers are friendly and quick to implement improvements where needed. I really love the idea that my money is not going to be touched until I open a qube (bucket/envelope). Apple Pay was recently implemented, which is great. I want some additional features, like automatically moving money to different Bills on Paydays. I get paid every two weeks, so I really want something that will really budget for me and move my funds and leave what is leftover in my cloud fund. Right now QubeMoney is mainly set up with a monthly payday in mind, but I think this will change soon. I’ve heard that QubeMoney will grow to support bills easier. A way to manage my account outside of QubeMoney on a website will also be nice. Qube is like a breath of fresh air that is much needed in be banking space. Glad to see them moving closer to being out of beta.

I have never written an app review, but I’d like to share my appreciation of Qube’s customer service and tech support. They are super friendly, totally responsive, and 100% committed to meeting the needs of the customer base. After a few emails back and forth, a pair in the tech support suggested that we meet on zoom to help my husband with the issue he was having with his phone. Not only this, but they agreed to meet hours after the business day for convenience.

Who does that? The same type of people who would reply to that last review, with specific plans on the updates the reviewer said he’d like to see!

The reimbursement of ATM fees and the review/balance of my transactions (resulting in a credit) are also unexpected customer-focused practices of Qube.

The Qube app and its virtual cash envelope concept is unlike any other. It unique in allowing you to proactively spend according to your budget, rather than just classify expenditures after the fact. It has transformed the spending habits of me and my family. That in itself is the reason I will be a customer for a long time. But the customer service is what makes me feel like a “valued customer”....a term that many companies, unfortunately, throw around disingenuously.

Great job, Qube Team!

My wife and I have been using QubeMoney/bank as our primary bank for just under a year now and it has changed our financial lives! It’s still fairly new and small so there are obviously kinks that continue to need to be worked out and features that our constantly being added.

We struggled with controlling our finances and budgeting for the first nine years of our marriage, and it was always a difficult conversation, but Qube Money has changed that. We love being able to designate our money to the categories and items it needs to go to, such as bills, when we first get paid, so we don’t spend it on something else and are left to wonder how we are going to pay for bills first and other items that come up.

Using QubeMoney for everyday purchases does take some getting used to, as you have to open a qube before you spend, but we got the hang of it quickly, and it’s even kind of fun now.

I would highly recommend QubeMoney to anyone that hasn’t been able to control their spending or find a budget that has worked for them, and have already to several family members. All I would say is to be patient with them as they continue to grow.

I have not had any issues that others had with rudeness. Everyone is nice however they are never available until about 8 hours later when they are not needed. I usually have to google to find answers to what I need.
I have not issues using the card but to get my card funded is a pain. I usually have to wait 3-5 days to have the card funded. If those days land over the weekend then it takes longer. I am using this for a cash envelope method and while I am waiting I need the money so it really messes with my budget. You can do external transfers from you bank but my bank charges a minimum of 28 to do that. There is an option to get it funded by your debit card but I always get a message that is not available at this time. I do not understand why they do not have zelle? This would help tremendously.
I had some issues with the card not working when I get gas. I normally had to go inside and prepay then it might work. To me this whole thing is too risky when I work hard for my money.

My husband and I have always been pretty good with our money. We pay off the credit card every month and don’t go crazy with spending too much. But we have only “really” budgeted a few times in our marriage. We are excited to learn more about making money behave and actually sticking with the budget. Since we have been using QubeMoney, it has been so nice to put money in our Qubes and NOT have to worry about paying off a credit card. The money automatically leaves the account after we make a purchase and it is fun to see where we are spending our money. We are really excited to use QubeMoney to give ourselves permission to spend money and not feel quilty about it and to also see how much we are saving for future adventures with our family.

Qube is a game changer when it comes to budgeting. Tracking has been my downfall, so I love that I can see where I’m at in real time. It has really helped me be more intentional with my spending and think about where it comes from and what I’m left with. I know that’s a Budgeting 101 concept, but Qube has made it possible to put it into action and save time. It no longer feels overwhelming.

Customer service has also been really helpful and prompt in getting back to me when questions have come up. I can tell this company really cares about its customers and takes feedback seriously. There’s room to grow and they know that and are working hard.

I’m really looking forward to the upcoming features and I know my family members can’t wait to get their cards and get in on the action!

Great enough app that literally makes me terrified to ensure I’m paying all my bills on time, and unable to access Qube inside a concrete store that doesn’t have WiFi like Home Depot is sort of embarrassing when you’ve gone over the 30 min mark. Still haven’t figured out how to use the projected amount to spend later.

Do have two suggestions:

Ability to be able to tick off your bills as paid for the month when it goes to the merchant automatically. I’m a checklist person and even though there’s the transactions shown and whatnot, between switching money between accounts and figuring out if your bill has been paid to the merchant would just be a nice touch.

Having an annual budget shown over the previous months to see when certain bills change and we can prepare for that (eg when gas and electric goes up more in winter, but having an idea of when by looking over the past history).

It’s been helpful for sure. Def keeps me from spending any money and that’s probably a really good thing.

Do not waste ur time everything is all fine until something goes wrong and you need their assistance first of all they never answer the phone they respond to emails whenever they feel like it I had some fraudulent activity on my account and instead of shutting my card down in sending me a new one like normal banks would do be completely locked me out of my account and allow the cardTo continue to stay on so whoever has my card continued using it they have a long dispute classes at the clean room for you provisional credit after the first 10 days that’s if they feel like giving it to you .Long story shortI’ve been like out of my account for three months while they do their investigation just two days ago I was told that the investigation was ruled in my favor but my account is now closing and I still l have yet to receive my fundsThese people are rude disrespectful and racist if you ask me but that’s a whole Nother topic

I’ve had a budget since college. The problem though, is I always had to track every expense and then allocate it to a specific budget, only to realize, once again, I was over budget somewhere. The Qube system is brilliant! I can see exactly how much $$ I have left for each of my budget items, so I know exactly how much I have to spend, which put me AHEAD of my expenses, instead of behind.

The absolute simplicity of QubeMoney and system is incredible. I will plan to use this for as long as I plan to spend money. I can’t be thankful enough for how much QubeMoney has improved my finances. I’ve told everyone I love and care about to use Qube. The future is brighter with Qube.

I was so excited about this company. But they really let me down. They froze my account without giving me a reason and haven’t gotten back to me. They initially said they would explain why my account was frozen within 2 days. On day 3 I sent an email and was told I would get a response within 24 hours. Nothing. Sent another email. Nothing. My husband sent a Facebook message and was told they would get back to us ASAP. Still nothing. I’m so sad. The worst part is we had to borrow money from my parents because we couldn’t access our money in QubeMoney . I had high hopes for this. Once I get my money out, I won’t be using QubeMoney anymore.

UPDATE: the customer service team is so bad! They are sending me rude and unhelpful responses. They are acting like I should know what’s going on and it’s my fault. We contacted the Better Business Bureau for help. Hope they can help us get our money back!

As someone who has struggled with my budget and spending due to impulsiveness and memory issues, I’ve longed for a digital version of envelope budgeting for years. I assumed that it didn’t exist, but after a quick Google search recently, Qube entered my life. I’m about to get my first direct deposit this week into my account and I’m so excited to start funding my Qubes!

Something I would love to see, and that I think might already be in the works, is a way to organize my spending and bill qubes into categories and priority level. I’ve already given a five star rating, but that feature would make this the perfect budgeting app for me.

So, I’m not gonna lie. I have spent nearly 20 years using spreadsheets, different software programs, different methods, and never found anything that truly helped me keep track of a budget in an intentional manner. It was always set the budget, and then at the end of the month check to see how close I came… Not really the best way to do it.

And then… I found Qube Money. All I can say, is give every dollar a job and know where each dollar is going BEFORE you spend it. This is the way budgeting was meant to happen, and I’ve saved nearly $1000 in the first month that I used it exclusively for all my spending. Thank you! Thank you!

We have been trying to use QubeMoney for about 6 months, as a couple and frankly I am not ready to get away from the ease of a credit card. Introducing qubeless! I want a budget, my wife wants a budget, but the cash envelope philosophy takes real commitment, qubeless helps me, the less committed one, be a better team member, and all my transaction can have accountability and a home. I love it. As we grow in our ability to budget qube has us covered. I highly recommend QubeMoney to help you lead a financially fuller life. The new features are great, and obviously the qube team is listening. Keep the great upgrades coming.

Finally a budgeting app that keeps you from overspending money. Other apps track spending after you spend it. Too late. Still othersforce you to input information like you are counting calories. Too much work. With Qube you divide up your money into qubes (like cash envelopes). You have to check your qube to see if it has money before you can spend it. If your qube is empty, you can’t spend in that category. You’ll be spending hundreds of dollars less every month without even trying. This is THE killer app when it comes to financial apps. Goodbye Mint.

If you are looking for a better “cash” envelope and budgeting system, here it is! Our family follows Dave Ramsey’s Baby Steps, but we also travel for a living. Traveling can make obtaining the cash for our envelopes very inconvenient and even costly. The cash envelopes have also been a hassle because if I have the grocery envelope but I need my husband to pick up a few groceries, he can’t do that without messing up our budget or me having to rearrange a lot of stuff. Qube eliminates those issues for us and we are so excited to be replacing our cash envelopes with QUBES!!!

I’ve been waiting on QubeMoney for 3 years as they kept improving it and I am already so impressed with Qube Money. It’s quick and easy to use from in person transactions to online purchases. I’ve been a financial coach and have helped people address the behavior around money and this makes having a boundary around simple with no complicated tracking.
I can tell you that the customer service is stellar and this company has so much integrity. You won’t be sorry to be an early adopter because it’s only going to keep improving.

I had been having trouble managing my food budget because I have been using budget envelopes while also using my debt card for online food purchases and grocery pick up service. I couldn’t tell how much I was actually spending on food without doing an audit. Enter Qube. I use my Qube card and account for all food purchases, from meals out to vending machine snacks, meal delivery service payments, groceries and loading my Starbucks card. Now I have all of my food purchases in one place. Thanks for bringing the envelope system into the digital world.

All other apps have you spend and then track your spending by allocating your expenses, but Qube gives you the virtual experience of using cash envelopes so that there is a limit to your spending. Love it! Easy to use. Quick. Tons of features - and a ton more to come. Whenever I’ve reached out to the developers they’ve been very responsive. I’m continually impressed by how versatile QubeMoney is. In a month or so it’s going to replace my bank and be the only source for bill pay, budgeting, and savings. The real deal!

At first, I thought Qube Money was a budgeting app. Actually, Qube Money is a full-service digital bank that does budgeting right.

In less than two months, Qube Money has changed the way I think and feel about money. It’s so simple. 1. I plan my money 2. I check my plan before each purchase. Then, I spend from my plan. Because I spend from my plan, everything is real. When I spend a dollar it is gone and I can see that in real time. This allows me to stick to my plan and achieve my goals in my fast paced life. This is brilliant.

We have tried budgeting for years and always throw our hands up frustrated with the process! We were either trying to carry around cash in envelopes or budget for money that we didn’t actually have in our bank account yet. Not anymore. Finally a cutting edge budgeting software that allows you to budget the money that is in your account now and use an electronic envelope system. We love it! Thank you, Qube, for taking the frustration out of budgeting!

QubeMoney is gonna be number 1 for those wanting to budget and win with money in no time. It give you all the tools to simply budget and spend according to your budget. Have you ever wished you could practice the cash envelope system but without having to carry around cash or fear you may lose it?? Well this is the perfect app for you. It brings that philosophy into the 21st century with a designated visa debit card that spends and debits from whatever category you assign.

QubeMoney is the perfect addition to any budget. It’s a digital version of the cash envelope system. I loved the idea behind cash envelopes but I hated dealing with cash. QubeMoney solves that.

Other budget software tracks it doesn’t train. Your money is spent before you even realize you're over budget on apps like Mint. With Qube, you know exactly how much you have left in your budget before you swipe your card.

This is a game changer for money management.

Qube money brings cash envelopes into an electronics banking environment. I’ve used several budgeting apps and programs over the years, and this is different. It really requires you to think about a purchase before you make it, not after. If you’ve been looking for an electronic option to manage your budget, this is the solution. QubeMoney is early in development, so I expect it will only get better over time.

Qube Money is a budgeting game changer! I’ve been trying to budget for years when I heard about Qube. QubeMoney makes it so much easier to stick to your budget because you can instantly see how much money you have left to spend on a category and then literally cannot spend more than that. It’s really helping me make decisions when spending money instead of me just regretting frivolous expenses later.

This was QubeMoney I’ve been looking for. I don’t use physical cash too often these days. I track my bank account digitally and create budgets digitally.

What I find lacking from most budgeting apps and software is the accountability. You set the budget, but nothing keeps you from accidentally going over. Qube Money does. It allows you to create digital “envelopes” called Qubes which keeps you in budget. It literally doesn’t let you go over on your Qube.

I also love the default zero. Now if the unfortunate happens and I leave my card somewhere I can rest assured that my money is safe.

I’ve loved using Qube Money so far and can’t wait till the spouse and kids accounts get added so I can fully budget the family money through Qube.