For the most updated information on Qube Money's Plan offerings and prices, visit our pricing page.
We are comparable or more affordable in cost to other common digital envelope budgeting platforms and apps, but very few tools come with an actual bank account and a debit card! Qube is the only one with default zero technology where you have to choose where to spend from before your purchase. So, most are simply just charging you to organize and track your money in their platform after the fact. A Qube Money membership gives you so much more, for the same price or less.
From time to time, Qube Money may run promotional offers and/or referral-based incentives that can reduce account fees. These rates are subject to availability and the terms disclosed for the associated offer.
Fees Schedule
| Lite | Premium | Family | |
| Expedited Card Shipping | $25 | $25 | $25 |
|
Joint Account Add a Companion. |
No | Yes | Yes |
|
Authorized Users Give cards to your kids, teens, a nanny, babysitter, or grandparent. Your kids and/or other authorized users will only see their own account and qubes. |
No | No |
Up to 5 authorized users, plus a companion, for a total of 7 users are included on your Family plan.
You may add more authorized users after the first 5 at $2.99/authorized user/month. |
|
ATM Fees Reimbursement Qube allows you to use any ATM of your choice, however some ATM networks charge a fee for use. |
No ATM Reimbursement | Qube will reimburse any charged ATM fees up to $10 per month |
Qube will reimburse any charged ATM fees up to $10 per month |
|
ATM Transaction Fee |
$3.00 | $0.00 | $0.00 |
| Card Replacement Fee | $8.00 | $0.00 | $0.00 |
|
Outgoing Bank Transfer Fee When transferring money from Qube to another bank and the transfer is initiated from Qube. |
$1.00 per transfer | $0.00 | $0.00 |
|
Returned Item Fee When money was being transferred from another bank to Qube and the external bank pulls bank the money (normally due to insufficient funds at the origin bank) |
$25.00 | $25.00 | $25.00 |
|
Stop Payment Fee When you contact Qube Support to stop a payment already in progress and Qube is able to successfully stop it. |
$10.00 | $0.00 | $0.00 |
|
Wire Transfers |
Not Available | Not Available | Not Available |
|
Premium Card Designs |
$5.00 | $5.00 | $5.00 |
|
Add Money via Personal Debit Card |
We will charge a fee of up to 1% of the transaction amount charged for loading your Card Account via domestic personal debit card. This fee will be deducted from the transaction amount. Exact fee will be displayed in app. | We will charge a fee of up to 1% of the transaction amount charged for loading your Card Account via domestic personal debit card. This fee will be deducted from the transaction amount. Exact fee will be displayed in app. | We will charge a fee of up to 1% of the transaction amount charged for loading your Card Account via domestic personal debit card. This fee will be deducted from the transaction amount. Exact fee will be displayed in app. |
|
Add Money via Personal Credit Card |
We will charge a fee of up to 3% of the transaction amount charged for loading your Card Account via credit card. Additional fees from your credit card issuer may apply. This fee will be deducted from the transaction amount. Exact fee will be displayed in the mobile application. | We will charge a fee of up to 3% of the transaction amount charged for loading your Card Account via credit card. Additional fees from your credit card issuer may apply. This fee will be deducted from the transaction amount. Exact fee will be displayed in the mobile application. | We will charge a fee of up to 3% of the transaction amount charged for loading your Card Account via credit card. Additional fees from your credit card issuer may apply. This fee will be deducted from the transaction amount. Exact fee will be displayed in the mobile application. |
How are additional qubes charged on a Lite plan?
The Lite plan includes 3 qubes at no cost. Some default qubes like the "Amazon" bill qube and "Emergency" goal qubes are not counted. When you try to create a 4th qube, you will have the option to continue or cancel.
An additional qube is counted and will be charged on the 1st of the month for the previous month if:
- It is listed on the Monthly Report.
- It was created and not deleted before the last day of the month (even if it had no transactions).
- it was created and deleted before the last day of the month, but had a transaction in it. An Internal Transfer is considered a transaction.