![]() ![]() 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. I had some issues with setup, but customer service was able to solve my issue right away. I was a bit nervous to use it for the first time in a checkout line, but I trust it wholeheartedly now. I open the Qube and 5 seconds later make a transaction and it goes through without a hitch. That being said- I am amazed at how well it works. So I am Qube’s target audience to a T and certainly not everyone will be. Even going so far as trying to decipher if I could create one myself. To declare my bias upfront: I have dreamed of a “digital envelope” budgeting system for YEARS. * 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. 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 3 stars because I really like where QubeMoney can go. I have not have an issue with the actual card so I will not speak on that. It now has been over 24hrs and still NO instant deposit. 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. 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. Qube money reviews full#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. I would add money sparingly like every few months no more than maybe $25 bucks. Not really adding to it because I was unemployed. 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. If I do t have a Qube open, nothing is getting through. In fact, I prefer it that way because I know my money is always on lockdown. 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, we’ve underspent! Our savings account is growing steadily, and our money stress is almost non-existent. Since we’ve started using Qube, we have not gone over budget once. You have the cash envelope mentality and peace of mind, but in the digital age. 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. ![]() 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 live on a budget, and I was always worried that the electric bill money would be spent on eating out, or something like that. I used to check the bank account several times a day because we were so stressed about money. I have heard that they have plans to add high yield savings, teen/kid cards, automatic debt elimination. They are adding new features and improving the interface. Qube money reviews download#When you download QubeMoney make sure you join the Facebook group. Qube Money is developing the banking system we have always wanted. In the mean time we are both logging into Qube with the same credentials and using ApplePay. The automatic tracking is unbelievable! We are making progress to our goals much quicker than we have in the past. ![]() In less than 5 minutes per month, we feel organized and in control of our money. We see in real-time how our spending choices aligns with our plan. 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 were lucky to be one of the first groups to join beta. Digital cash envelope banking caught our attention, so we signed up to be beta users. Covid 19 has been tough, so we were looking for a budgeting tool. We would always fall behind with tracking transactions. The systems we have tried were a lot of work. 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. ![]()
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