Qube Money | Digital Cash Envelopes Banking & Budget App

What is Qube+

Qube+ is an intentional spending system that helps you organize your money around your priorities. It links to your primary checking account so you can organize your plan into Bills, Spend, and Goals, all in one place. Qube+ is not a bank and does not hold your funds.

How does Qube+ work?

Qube+ securely connects to your primary checking account so you can view balances and transactions in one place.You organize your plan into Bills, Spend, and Goals. Pre-Qubing, a core mechanism of Qube+, allows you to record purchases as you make them so your category balances reflect your decisions without waiting for bank transactions to settle.Your money remains in your existing bank account. Qube+ provides structure and visibility, not banking services.

What makes Qube+ different from other apps?

Most money apps focus on tracking transactions after they happen.Qube+ is built around intentional spending. Pre-Qubing is a core mechanism that allows you to record a purchase at the time you make it, so your category balance reflects your decision in the moment, not days later.It’s also designed to be simple and easy to navigate, so organizing your plan into Bills, Spend, and Goals feels clear, not complicated.

Do I need to move my money into Qube+?

No. Your money stays in your own bank account. Qube+ is not a bank and does not hold or move your funds. When you link your bank to Qube+, we securely connect through Plaid to display the balance and transaction information your bank provides, so you can organize your spending without transferring money.

Can I link multiple banks and credit cards?

At this time, you can connect one checking account and up to 10 credit cards in Qube+.This lets you manage everyday spending from your primary checking account while organizing multiple credit cards in one place.

How does Qube+ help me stick to my plan without feeling restricted?

Qube+ provides a system for organizing your money while keeping you in control.You structure your plan into Bills, Spend, and Goals, and Pre-Qubing allows you to record purchases as you make them so your categories reflect your decisions.The result is spending that stays connected to your priorities, without added restrictions.

How fast do transactions show up?

Transaction timing depends entirely on your bank. Some banks send transaction information quickly, while others take longer. Qube+ displays your transactions as soon as your bank provides the data.

Will Qube+ pay my credit card automatically?

No. Qube+ does not make payments or move money, and it is not a bank account. Your credit card payments still happen through your bank or credit card provider. Qube+ simply helps you organize your spending, including setting aside money in a qube for credit card payments, so you can stay prepared when it’s time to pay your bill.