Qube Money: Envelope Budgeting

Current: BEWARE!!! I still have yet to see resolve from my case from the shut down of this app and the loss of their banking partner. In the shutdown we had several thousand dollars in our account and when closing out Qube said we had negative transactions and basically stole our money. I’m posting this here because others should be careful when engaging and maybe this will actually get someone to respond to me as a human not an AI Former: We’ve been using Qube and are former Simple / One Finance Users and use Qube in conjunction with Every Dollar and Dave Ramsey’s approach to budgeting. This app does everything we need it to do and we can’t stop talking about it and sharing this with others. It’s made budgeting more enjoyable and effective!

Qube Money was everything I needed to help me budget correctly and save. I never was able to successfully until I found this app. I loved the bank card tied to the app that would allow you to only approve transactions that you plan for. No unexpected surprises. No overdraw. Then in October/November of 2025 when they lost their banking partner, I had to move my money out (everyone did) with the promise of them returning with another backer within a couple months. I had put myself on the waitlist on day 1. However, still to this day I am on the waitlist list. So I have given up and moved on. I have been using Envelope as an alternative and have been happy with the results.

I haven’t used the new version yet since I don’t have access but this is my experience from my use before it was shut! It is so useful being able to organize things and I don’t mind if it’s not the fastest! The only problem I have is that it’s not fully offline? I love kind of in the middle of nowhere and the city is very small often I don’t have good reception so when I want to pay for something it just doesn’t open or let me pay, I was told there’s a way to make a small amount offline? But I know this is a tall order but I really wish that the whole app would work offline!