The MINDFUL BANKING™ app for Real Life

Spend with purpose. Save with clarity. Live in control.

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Qube is a financial technology company, not a bank. Deposits are held by Choice Financial Group, Member FDIC. The Qube Money card is issued by Choice Financial Group, pursuant to the license from Visa.

Your Toolkit for Mindful Banking™

FDIC insured

Your money is safe with Qube—funds are held with our FDIC-insured partner bank and protected up to $250,000 per depositor.

Pay bills

Use virtual card or account numbers to pay bills with peace of mind, keeping the rest of your money safe from unauthorized charges.

Subscription controls

Never pay for unwanted subscriptions again. Easy monitoring. Pause subscription payments in-app.

ATM fee reimbursement

With Qube Premium and Family, access cash without worrying about charges. Reimbursements limits apply. ¹

Get paid early

Set up direct deposit and get your paycheck up to 2 days early!

Joint accounts

Manage money together. Achieve your goals.

Family accounts

Real bank accounts for kids—with direct deposit, a debit card, and automated allowance. Get real-time notifications and help them build mindful money habits early.

No fees

No overdraft. No minimum balance. No foreign transaction fees. ²

Banking That Prevents Mindless Spending

Create multiple categories and unlock funds only when you’re ready.

Spend in Alignment

Create custom categories so that every dollar supports what matters most to you.

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Spend with Confidence

Pause before you spend. Our system helps you turn impulse into intention by asking you to choose a spending category before making a purchase.

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Less Stress, More Clarity

Know where your money’s going — and feel calm and in control.

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Virtual Card Numbers

Use virtual card numbers for bills and subscriptions to keep your main card secure and easily manage or cancel payments anytime.

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Tap to Spend

Start growing in half the time with an all-in-onewebsite builder - no more long hours spent on the boring stuff!

Real Stories from the Qube Community

reviews
4.6
(1,600)
Dantheman41018
5 days ago
Love
Love it
DrDeflowerMe
May 6
Best money app out there
Honest review, my wife and I were struggling with money and this app helped us budget in a really effective way. We now are on our way with an emergency fund and living off last months paycheck!
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laurschlot
May 1
Best app to keep you on a budget
Love this app! Helps keep us on a budget. We use this account for groceries, out to eat, gifts, personal spending etc. Prior to Covid we were using the envelope system and cash. However when everyone stopped taking cash, we were struggling to find a solution to help keep on a budget. Qube is perfect for that. Our qubes are basically digital envelopes. I always know how much we have to spend when we go out to eat or when it’s time to buy a birthday gift. Qube has changed our lives!
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FAQs

Qube is a digital cash envelope system that stops mindless spending before it starts. Unlike traditional budgeting tools that track spending after it happens, Qube makes you choose a category before every purchase—helping you stay intentional in the moment.

Qubes are digital spending categories (like envelopes). You move money into them ahead of time—groceries, eating out, etc.—and must open the right qube before you spend. If no qube is open, the card won’t work

Yes. Your money is stored with an FDIC-insured banking partner and protected with bank-level encryption and security protocols.

Yes! Qube is built for individuals, couples, and families. You can share qubes, automate allowances, and get real-time spending updates across accounts.

Yes. You can add your Qube card to Apple Pay and Google Pay for secure tap-to-pay functionality.

Qube offers simple pricing based on your needs. You can view plan details and what’s included on our plans page.

Because most apps track your spending. Qube actually changes it—helping you build better habits by interrupting the mindless spending cycle before it begins.

Join the thousands of customers banking mindfully with Qube

Join Qube

Spend with purpose. Save with clarity. Live in control.