If you’re a Qube Money user, you’ve likely received the troubling emails over the past week. Qube has announced that, starting September 30, 2025, all money movement services will be paused as they search for a new banking partner.

That means:

• Your Qube account at Choice Financial Group will close on September 30th.
• You will not be able to deposit, spend, or transfer money in the app during this pause.
• Any money left after September 30th will be mailed back to you by check within 45 days.

Qube later followed up with news of Qube Plus, a way to use the Qube app alongside your existing banks and credit cards. While this gives users a way to track spending, it does not include Qube’s most unique feature: declining transactions when a digital envelope is empty. That feature will not return until Qube secures a new bank sponsor.

What This Means for Qube Users

This is a major disruption. Users who relied on Qube’s envelope-style budgeting now face the hassle of:

• Moving money out of Qube before September 30th.
• Changing direct deposits and bill payments.
• Waiting indefinitely for Qube’s relaunch with a new partner.

If you have been relying on Qube to manage your budget, this pause is more than inconvenient. It may leave you scrambling to find another solution.

Alternatives to Qube Money

While Qube figures things out, here are three strong budgeting options to consider:

1. Monarch Money

Monarch is one of the best overall budgeting and wealth tracking tools available today. It connects all your accounts in one place and provides powerful reporting, goal-setting, and family-sharing features. Here's our full review of Monarch Money.

2. YNAB (You Need a Budget)

YNAB is a leader in zero-based budgeting and gives users a proven framework to take control of every dollar. It is subscription-based, but many swear by its system for eliminating debt and staying accountable. Here's our full review of YNAB.

3. Crew ⭐ Best Qube Alternative

Crew combines banking with digital envelope budgeting, very similar to Qube but without the headaches. It offers:

• No subscription fees
• A higher APY on savings
• Tap-to-pay
• Family-friendly money management with spending “pockets”

If you liked Qube for its envelope budgeting approach, Crew is the closest match and, in many ways, an upgrade. Here's our full Crew review.

Qube Money News FAQ

After learning about this upsetting news, Qube users might have some questions. We tried to capture a few of them below for quick reference and we'll add more as the story continues to unfold.

Is Qube Money shutting down?

Not permanently. Qube Money is pausing all money movement services starting September 30, 2025, while they transition to a new banking partner. Users will still be able to log into the app, but they will not be able to deposit, spend, or transfer funds.

What happens to my money if I don’t withdraw by September 30?

Any funds left in your Qube account after September 30, 2025 will be returned to you by check within 45 days through Qube’s former bank partner, Choice Financial Group.

What is Qube Plus?

Qube Plus is a new version of the Qube app that allows you to connect your existing bank accounts and credit cards. It gives you the ability to track spending and allocate money into Qubes, but it does not include Qube’s signature feature of declining transactions when envelopes are empty.

Final Thoughts: Is Qube Money Shutting Down?

So, is Qube Money shutting down? Not permanently. But as of September 30th, 2025, its banking services will be offline and users will need to find alternatives until a relaunch happens.

If you do not want to wait, start exploring Monarch, YNAB, or Crew today. Of these three, Crew stands out as the best Qube replacement, giving you the same envelope-style budgeting experience with stronger banking features.

For more tools to manage your money wisely, check out our list of the best budget apps for families.

---

Are you a Qube Money user? What is your plan?

Please let us know in the comments below.

---