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Banking & Budgeting With Purpose | Qube Money

Banking & Budgeting With Purpose | Qube Money

Qube Money LLC

Download now! Create an account and start spending with purpose today!

4.4 Ratings 197+ Reviews 10K+ Downloads

Ratings & Reviews

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  • Wanna be budgeter Nov 28, 2020

    By servingpeople
    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 the app 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!
  • Mar 1, 2021

    By Jennifer Bundy
    I've been exploring this app and philosophy which I fully support. Can't spend money you don't have! I know they have been working fulltime to get everything functional ASAP. I'm not using mine much yet, as I am waiting for the couples option to go live. My husband and I do all our finances jointly. Really looking forward to the family account to get the kids their cards to help with gas and grocery runs for the family! Suggestion for 5*: multiQube transactions & ach from Qube not cloud
  • No More Money Stress! Nov 29, 2020

    By ~BeckyZ~
    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 the app 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 the app, you see the real-time balance available, and that keeps you in line. Thank you, Qube!
  • Feb 21, 2021

    By blaine smith
    So far it's great just one problem. Everytime I click on a button a little message pops up and says invalid token? Other than that this is a great app and intelligent idea for a banking system I love it and love how it has a whole new aspect to prevent fraud or account theft by having zero money on the card until you open the app and click on what spending cube you want then it loads the money onto your card and after you are done takes the remainder off of your card and puts it back in cube!!
  • Best financing app out there Nov 28, 2020

    By fanaticflashfan
    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 the app 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!
  • Feb 19, 2021

    By Carisa Holden
    It worked perfectly since the first time I used it! Love the way it helps me with impluse buying. I love how it helps me be more accountable in my spending habits. I don't have to worry about unauthorized purchases, and I stay within the limits!
  • Excited to learn and do Feb 17, 2021

    By Saving2021
    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 this app, 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 this app 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.
  • Feb 23, 2021

    By Jonathan Jackson
    5 stars once bill pay comes. I was looking for something like this. I am going to allocate a set of money into qube and let cube divvy it up into different qube accounts and then setup autopay from each cube account(rent, phone, car insurance). It would be cool if each cube had an individual account number. You can step in and replace Simple bank right now.
  • Feels Promising Dec 1, 2020

    By gtgivens
    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 the app is mainly set up with a monthly payday in mind, but I think this will change soon. I’ve heard that the app will grow to support bills easier. A way to manage my account outside of the app 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.
  • Apr 27, 2021

    By michael pinkston
    This is really going to help me. I have always had a hard time sticking to a budget. Expense tracking and the time it takes to keep everything up to date on other budget apps this is a God send
  • Wanna be budgeter Nov 28, 2020

    By servingpeople
    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 the app 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!
  • Mar 1, 2021

    By Jennifer Bundy
    I've been exploring this app and philosophy which I fully support. Can't spend money you don't have! I know they have been working fulltime to get everything functional ASAP. I'm not using mine much yet, as I am waiting for the couples option to go live. My husband and I do all our finances jointly. Really looking forward to the family account to get the kids their cards to help with gas and grocery runs for the family! Suggestion for 5*: multiQube transactions & ach from Qube not cloud
  • No More Money Stress! Nov 29, 2020

    By ~BeckyZ~
    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 the app 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 the app, you see the real-time balance available, and that keeps you in line. Thank you, Qube!
  • Feb 21, 2021

    By blaine smith
    So far it's great just one problem. Everytime I click on a button a little message pops up and says invalid token? Other than that this is a great app and intelligent idea for a banking system I love it and love how it has a whole new aspect to prevent fraud or account theft by having zero money on the card until you open the app and click on what spending cube you want then it loads the money onto your card and after you are done takes the remainder off of your card and puts it back in cube!!
  • Best financing app out there Nov 28, 2020

    By fanaticflashfan
    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 the app 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!
  • Feb 19, 2021

    By Carisa Holden
    It worked perfectly since the first time I used it! Love the way it helps me with impluse buying. I love how it helps me be more accountable in my spending habits. I don't have to worry about unauthorized purchases, and I stay within the limits!
  • Excited to learn and do Feb 17, 2021

    By Saving2021
    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 this app, 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 this app 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.
  • Feb 23, 2021

    By Jonathan Jackson
    5 stars once bill pay comes. I was looking for something like this. I am going to allocate a set of money into qube and let cube divvy it up into different qube accounts and then setup autopay from each cube account(rent, phone, car insurance). It would be cool if each cube had an individual account number. You can step in and replace Simple bank right now.
  • Feels Promising Dec 1, 2020

    By gtgivens
    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 the app is mainly set up with a monthly payday in mind, but I think this will change soon. I’ve heard that the app will grow to support bills easier. A way to manage my account outside of the app 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.
  • Apr 27, 2021

    By michael pinkston
    This is really going to help me. I have always had a hard time sticking to a budget. Expense tracking and the time it takes to keep everything up to date on other budget apps this is a God send
  • Issues with Customer Service Feb 23, 2021

    By Asvmd
    I was really excited to get started with Qube after coming from Simple. The features that are being rolled out quickly seem great. Unfortunately, the same can’t currently be said for the customer service. I suspect they outgrew their capabilities with all the new Simple customers coming over. My account was locked for suspicious activity for 10 days. I reached out every 48 hours and did not get any response until 7 days after it was locked and the response did not contain any useful information. The account was unlocked today, but it’s too little too late for me. I’m not willing to gamble having no access to my money for the services that they offer. It’s a shame and hopefully improves as the company grows.
  • Apr 6, 2021

    By Anthony Jenkins
    The worst they hold instant deposits from cash app for 24-48hrs when it's suppose to be instant because that's what I paid for
  • It works because you can’t actually use the card for ANYTHING May 7, 2021

    By Treadytread
    The card works about 50% of the time when you open a cube. Why? Multiple support tickets and no one seems to know. Do you enjoy having your card show as NSF when you are in a restaurant, having already eaten? (Really happened- with 4 kids.) What about when you can't get money out of an ATM in a foreign country? (This literally happened as well.) I drove to a gas station on fumes and Qube only allowed me access to 20 cents from my entire bank account (the nice gas station attendant loaned me $5 to get enough gas to get home and retrieve my Credit Card.) Not having access to my money was a DAILY occurrence. The solution - chat support only. You can chat away between the hours of 8am and 6pm MST. Are you stranded after 6pm MST? Well, maybe you can wash dishes at the restaurant because even though you have thousands in your checking account you can not access your money, and no one is there to help you. Look, they're still a young company. Not having your card work once is a mistake I can overlook. When it happens a dozen times in a matter of weeks, I'm the idiot for remaining a customer. Don't touch them with a 50 foot pole. We're moving on.
  • Feb 27, 2021

    By Pamela Gutierrez
    Downloaded the app haven't been able to link my bank account it keeps saying "Relink account " in red letters and can't add a profile photo either.

No reviews available

No reviews available

  • Wanna be budgeter Nov 28, 2020

    By servingpeople
    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 the app 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!
  • No More Money Stress! Nov 29, 2020

    By ~BeckyZ~
    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 the app 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 the app, you see the real-time balance available, and that keeps you in line. Thank you, Qube!
  • Feb 21, 2021

    By blaine smith
    So far it's great just one problem. Everytime I click on a button a little message pops up and says invalid token? Other than that this is a great app and intelligent idea for a banking system I love it and love how it has a whole new aspect to prevent fraud or account theft by having zero money on the card until you open the app and click on what spending cube you want then it loads the money onto your card and after you are done takes the remainder off of your card and puts it back in cube!!
  • Best financing app out there Nov 28, 2020

    By fanaticflashfan
    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 the app 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!
  • Feb 19, 2021

    By Carisa Holden
    It worked perfectly since the first time I used it! Love the way it helps me with impluse buying. I love how it helps me be more accountable in my spending habits. I don't have to worry about unauthorized purchases, and I stay within the limits!
  • Excited to learn and do Feb 17, 2021

    By Saving2021
    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 this app, 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 this app 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.
  • Apr 27, 2021

    By michael pinkston
    This is really going to help me. I have always had a hard time sticking to a budget. Expense tracking and the time it takes to keep everything up to date on other budget apps this is a God send
  • Finally in control! Apr 15, 2021

    By Josh the Architect
    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 the app 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 this app has improved my finances. I’ve told everyone I love and care about to use Qube. The future is brighter with Qube.
  • Apr 10, 2021

    By roy flaaen
    Great app but honestly just need to hurry up and aloe for multi people for it's a great company great support and heck helped my faimly budget to save money but to have to work off only one card makes it hard
  • Makes your money behave Feb 5, 2021

    By Not John Galt
    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.
  • Mar 1, 2021

    By Jennifer Bundy
    I've been exploring this app and philosophy which I fully support. Can't spend money you don't have! I know they have been working fulltime to get everything functional ASAP. I'm not using mine much yet, as I am waiting for the couples option to go live. My husband and I do all our finances jointly. Really looking forward to the family account to get the kids their cards to help with gas and grocery runs for the family! Suggestion for 5*: multiQube transactions & ach from Qube not cloud
  • Feels Promising Dec 1, 2020

    By gtgivens
    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 the app is mainly set up with a monthly payday in mind, but I think this will change soon. I’ve heard that the app will grow to support bills easier. A way to manage my account outside of the app 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.
  • Budget Game Changer Mar 31, 2021

    By dzinegal
    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!
  • Mar 1, 2021

    By CJ Page
    I am moving all my banking fully into Qube Money. I absolutely LOVE the idea and the Dev team is hard at work. 5 Stars once ACH is added to Bill Qubes and we get access to Mobile Check Deposits.
  • Feb 10, 2021

    By Ashley Brandt
    Great start to what I think will be an amazing budgeting app. Not all the features are live yet but I hope they will be soon, making this a 5 star app. We have already seen savings using the basic plan over the last 2 months. Can't wait to have this be our only full-service bank in the future!
  • Jan 16, 2021

    By Heather Talbot
    This is the best digital envelope app, because the money is actually in there! I don't have to keep track of transactions to record into an app later. Minus one star because i feel like the transferring money isn't as intuitive as it could be, but i think it will get better as it continues in development.
  • Feb 23, 2021

    By Jonathan Jackson
    5 stars once bill pay comes. I was looking for something like this. I am going to allocate a set of money into qube and let cube divvy it up into different qube accounts and then setup autopay from each cube account(rent, phone, car insurance). It would be cool if each cube had an individual account number. You can step in and replace Simple bank right now.
  • I want to like it. Feb 12, 2021

    By Daesha :)
    I really want to like this app. It’s in the early stages. It’s a little expensive to use right now and inconvenient. Depositing money to actually use it comes as a headache. There’s a $250 limit you can deposit with a 4% charge (that’s $10 for $250). On top of that, you can only use it once per day so it forces you to make multiple deposits on the instant deposit. They have options to use ACH transfer but the last time I did, it took nearly 5 days to deposit money and of course money needs to be used before then. It becomes tied up. I see that this app can be great things but right now I can’t say that it’s the most convenient option.
  • Jan 30, 2021

    By Poky Plays
    Good concept but the idea that you constantly need your phone on you to make a purchase, killed it for me and not being able to just lock your card to an envelope until you pull it off or move it to another one isn't ideal to me.
  • Issues with Customer Service Feb 23, 2021

    By Asvmd
    I was really excited to get started with Qube after coming from Simple. The features that are being rolled out quickly seem great. Unfortunately, the same can’t currently be said for the customer service. I suspect they outgrew their capabilities with all the new Simple customers coming over. My account was locked for suspicious activity for 10 days. I reached out every 48 hours and did not get any response until 7 days after it was locked and the response did not contain any useful information. The account was unlocked today, but it’s too little too late for me. I’m not willing to gamble having no access to my money for the services that they offer. It’s a shame and hopefully improves as the company grows.
  • Apr 6, 2021

    By Anthony Jenkins
    The worst they hold instant deposits from cash app for 24-48hrs when it's suppose to be instant because that's what I paid for
  • It works because you can’t actually use the card for ANYTHING May 7, 2021

    By Treadytread
    The card works about 50% of the time when you open a cube. Why? Multiple support tickets and no one seems to know. Do you enjoy having your card show as NSF when you are in a restaurant, having already eaten? (Really happened- with 4 kids.) What about when you can't get money out of an ATM in a foreign country? (This literally happened as well.) I drove to a gas station on fumes and Qube only allowed me access to 20 cents from my entire bank account (the nice gas station attendant loaned me $5 to get enough gas to get home and retrieve my Credit Card.) Not having access to my money was a DAILY occurrence. The solution - chat support only. You can chat away between the hours of 8am and 6pm MST. Are you stranded after 6pm MST? Well, maybe you can wash dishes at the restaurant because even though you have thousands in your checking account you can not access your money, and no one is there to help you. Look, they're still a young company. Not having your card work once is a mistake I can overlook. When it happens a dozen times in a matter of weeks, I'm the idiot for remaining a customer. Don't touch them with a 50 foot pole. We're moving on.
  • Feb 27, 2021

    By Pamela Gutierrez
    Downloaded the app haven't been able to link my bank account it keeps saying "Relink account " in red letters and can't add a profile photo either.

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Banking & Budgeting With Purpose | Qube Money

Banking & Budgeting With Purpose | Qube Money