Software Alternatives & Reviews

Wise VS Qube Money

Compare Wise VS Qube Money and see what are their differences

Wise logo Wise

Currency exchange Banks and other providers could charge you up to 5% in hidden costs when sending ...

Qube Money logo Qube Money

Qube Money is the #1 new budgeting app on a mission to digitize cash envelopes! Create a budget in minutes and start spending with purpose. Download the app today and start organizing your finances.
  • Wise Landing page
    Landing page //
    2023-09-02
  • Qube Money Landing page
    Landing page //
    2023-09-08

Qube Money is a fintech startup company located at the base of silicon slopes in Pleasant Grove, Utah.

Qube Money’s new app combines its digital cash envelope budgeting method with a full banking suite. This unique banking experience puts intention at the core of each transaction making it easy for Americans to make purposeful decisions about their budgets in real-time.

The app modernizes the outdated envelope budgeting system of previous generations by digitizing budgets into “qubes”. Consumers then set limits for different qube budgets, like groceries, clothing, and entertainment. 

A physical Qube Money debit card gives shoppers access to their pre-budgeted qube funds. This unique budgeting app helps consumers avoid overspending. When money in a qube is insufficient, shoppers are empowered to make in-the-moment budgeting choices about a purchase.

The app is engineered to support a variety of budgeting dynamics in the household. Couples can choose Qube Companion Cards to strengthen financial transparency and keep open communication about shared budgets. Qube Money also offers an effective tool for families to track spending across different family members. With the help of Kid Cards, parents and children learn about responsible spending habits together. 

Qube Money will be available to qualifying customers in the U.S. To learn more about the innovative app, visit the Qube Money website.

Wise

Website
wise.com
Pricing URL
-
$ Details
-
Platforms
-
Release Date
-

Qube Money

$ Details
freemium $8.0 / Monthly (Premium User)
Platforms
iOS Android
Release Date
2021 January

Wise videos

TransferWise Review - 3 Must Knows (2020)

More videos:

  • Review - TransferWise in detail
  • Review - Transferwise Review

Qube Money videos

Digital Cash Envelope Budgeting System

More videos:

  • Review - Qube Money Review
  • Review - Qube Money Preview: A Digital Cash Envelopes Solution?
  • Review - Budgeting Apps: Qube Money Review [Digital Envelope System] 💵
  • Review - Honest Review - Qube Money - Jerad

Category Popularity

0-100% (relative to Wise and Qube Money)
Online Payments
100 100%
0% 0
Personal Finance
0 0%
100% 100
Money Transfer
100 100%
0% 0
Financial Planner
0 0%
100% 100

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Wise and Qube Money

Wise Reviews

Best money transfer apps of 2021
TransferWise does also offer Business pricing, which adds in extra features that are free, including the ability to receive money in EUR, USD, GBP, PLN, AUD and NZD currencies without charge. However, this comes with a 0.33%-3.56% fee to convert currencies. The supporting TransferWise debit Mastercard comes free too, with the same currency conversion fee of 0.33%-3.56% plus...
Top 7 Wise Alternatives
Wise’s Multi Currency Account (review) and associated Wise card (review) (which works great as a travel money card) are especially useful to expats who need banking features in a new country to pay rent, buy groceries, or receive money like a local (Wise offers international bank details in 10 currencies).
Source: transumo.com
5 Safe Money Transfer Alternatives to Wise
As a money transfer service, Wise (formerly known as TransferWise) is a transparent and easy to use option. But if you’re making an international money transfer, it can be worth looking at some of Wise’s competitors to see which is the best option for you.
Source: www.exiap.com
Cross-border fintech startup Airwallex raises $100M at a valuation of over $1B
For now, the backing of its investors is allowing Airwallex to grow its business without needing to focus on making money. That’s proven tricky for some fintech companies — such as TransferWise and Europe’s challenger banks — but Zhang is confident that when that changes, his company will have little trouble being sustainable.
Source: techcrunch.com

Qube Money Reviews

  1. Life changing app

    Qube Money is the first app that has become my primary banking and budgeting app all in one place! I may be a little bias because I work for the company, but seriously, it's an incredible app.

    🏁 Competitors: YouNeedABudget
    👍 Pros:    Easy to use|Customer support|Great ui|Quality|Excellent features|Accurate

The Best Personal Finance Budget Software with Apps (In 2020)
Cons: The fact that you are unable to use your Qube Money debit card if you do not have your phone available could be problematic. Qube Money recommends taking a separate pay card to alleviate this concern.
Source: ptmoney.com
Top 15 Budget Apps to Make Your Personal Finance Goals Easy
Another budgeting app that uses the envelope system model is Qube Money (formerly known as Proactive Budget). Qube simplifies budgeting by splitting your money into several digital accounts, giving every dollar a job.

Social recommendations and mentions

Based on our record, Wise should be more popular than Qube Money. It has been mentiond 24 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Wise mentions (24)

  • Which bank in vietnam have the lowest fee for overseas remittance?
    I don't think you need to be a holder of both. I put my mom on my Wells Fargo account and she sent to my account. There is also https://wise.com/us/ . This one I have used to send to someones account in Vietnam. It does have slightly higher fee. But it goes straight into their account. From Wells Fargo I would have to go and get USD then exchange it to Vietnamese currency. Source: 10 months ago
  • We are happy to welcome you to Auction 88 — Coins of The World.
    They invoice in Euros (Czech Republic) so also be aware of fees on payments. I've successfully used TransferWise (https://wise.com/us/). Source: 11 months ago
  • Recommend me a first credit card with 0 foreign tx fee
    It's not a credit card. It's just a way to convert currency w/o a fee. https://wise.com/us/. Source: about 1 year ago
  • Renting an apartment without a US Bank account?
    Get a Wise account. Open one in your local currency, and one in US currency. I was doing that for the first few months. Source: over 1 year ago
  • My New Client Is Asking Me For My Bank Info
    I’ve used Wise for bank payments from international clients before: https://wise.com/us/ that way you’re not giving them your actual bank info but the process is similar on the client’s end. Source: over 1 year ago
View more

Qube Money mentions (11)

  • MX and Chase not updating?
    I saw this app - https://qubemoney.com/ . Sounds like what you’re describing. Source: 5 months ago
  • Why Verizon, AT&T and T-Mobile Want to Access Your Bank Account
    It is not clear in the article who will keep debit cards as accepted forms of payment. At least for mobile providers who will still offer debit for payment in the future, you do not have to provide your bank account number. Though you do lose out on credit card benefits like points/rewards and the ease of disputing charges. For those whose mobile providers will switch to only using bank account numbers for... - Source: Hacker News / 8 months ago
  • Introducing the Qube Rewards Blockchain Community
    This page is managed by individual Qube Rewards Node Owners who are part of the Qube Rewards and Qube Money community. For more information about Qube Money (the company), please visit their website at qubemoney.com. Source: about 1 year ago
  • I'm finally switching to a cash based budget!
    Forgot a link for anyone interested: https://qubemoney.com/. Source: over 1 year ago
  • Qube Money
    Has anyone heard of Qube Money? I have been a YNAB user for 7-8 years but this bank/budget has peaked my interest. The main pain point with YNAB is entering transactions manually or trying to get auto import to work which rarely does. Qube automatically does this because it is the bank and the budget connected. Anyone has experience with this ? Why or why. not? Source: over 1 year ago
View more

What are some alternatives?

When comparing Wise and Qube Money, you can also consider the following products

Bill.com - Bill.com provides ACH payments processing, automates your accounts payable and accounts receivable processes.

YouNeedABudget - Personal home budget software built with Four Simple Rules to help you quickly gain control of your money, get out of debt, and reach your financial goals!

Zoho Invoice - 100% free online invoicing software for small businesses.

Mint - Free personal finance software to assist you to manage your money, financial planning, and budget planning tools. Achieve your financial goals with Mint.

The Invoice Machine - The Invoice Machine is an online invoicing service with a simple and elegant user interface.

Money Tracker Pro - K-Tech Systems - experts in the world of .Net