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#Qube smart download
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Premium: Individuals get access to many other features not included in the basic package, including access to unlimited cubes and budget automation.Basic: Any person who wants to use the basic or premium features of the Qube Money app.

The accounts are ideal for the following: Qube Money offers four plans with different pricing (ranging from $0-$25 a month) and features. Qube Money is currently only available to U.S.

#Qube smart download

You can get started here.Īfter entering your contact information and selecting a plan/card, you’ll be prompted to download the Qube Money app and begin budgeting. It just takes minutes to apply, and most accounts are approved and opened in a short time.

#Qube smart free

No rewards with the free account: With Qube Money’s debit card, you won’t earn cashback, or other rewards like you do with credit cards or some debit cards.įactors that contributed to the overall rating Account opening.

Must use Qube card: For the system to work, you have to use the provided Qube debit card.

Limited features on the free version: The free plan has lower transfer limits and no automatic transfers from an external account, so you have to manually move money into Qube when it’s time to refund your card.

No worrying if you lose your Qube card as there is never any money on it unless you transfer money from your qube for a purchase.

Fraud protection: The debit card is engineered with the default zero technology.

Through Choice Fin, your accounts are FDIC insured up to the legal limit of $250,000.

FDIC insured: Qube Money has partnered with Choice Fin to offer banking products.

Custom allocation: You can set up custom allocations to have a percentage of each paycheck put into a certain category.

Banking Options: You can choose to link your external bank account or use the Qube Money integrated account.

Once you spend any money, your budget is automatically updated, allowing for real-time financial monitoring.

Real-time financial monitoring: Get immediate updates on spending activity.

However, only W-2 employees with direct deposit are eligible. If you get paid on Friday, you can get paid on Wednesday instead of Friday with Qube Money.

Getting paid 2 days earlier: This helps you get paid 2 days earlier by using a feature called payday 2 days early.

Accurate real-time balances create awareness, transparency, and better communication. The innovative joint bank account provides a way for you to make better financial decisions together.

Couples: Qube money makes managing money with your spouse or partner easy.

Together with this, children get to learn how debits and deposits work at an early age. It is a good tool to give hands-on experience with budgeting and planning ahead.

Families: Parents can help their children help understand how finances work.

Once you set up qubes to represent all of the budget categories, you can transfer funds from the main account to them. Smarter budgeting: Qube Money is the world’s first banking system that helps control spending, eliminate debt and create stronger money habits.Here’s a video explaining how Qube Money works: Qube Money is best for You can use your card to withdraw funds, make purchases, and pay bills through your merchant’s billing program. However It doesn’t offer check-writing capabilities. Qube Money is available for ios and android. This means that you can treat this qube as a regular checking account to spend freely. If you don’t want to open a qube each time to spend, you can use the default open qube, which will have no limits in terms of spending. The debit card is engineered with the default zero technology, which requires a qube category to be opened from your phone to authorize spending. With its digital envelopes, choosing which qube you’re spending from before each purchase automatically limits your spending habits and helps with smarter budgeting. Qube money is more than just a digital bank and budgeting tool – it transforms spending behavior to address poor money habits, which is the root cause of poor financial health. There is a $250 daily ATM withdrawal limit and a maximum withdrawal allotment of 3 per day. You may use any ATM to withdraw money, and Qube Money will reimburse you up to $10 a month automatically.