Envelope is a financial technology company, not a bank. Banking services provided by Pacific West Bank, Member FDIC.

Banking perfected

Stop juggling multiple apps and switch to a banking platform built for personal budgeting. Flexible and effortless budgeting is finally here.

Envelope in 90 seconds

⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I have used every modern bank & neobank, and
nothing beats Envelope
Z. Vinman App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Beautiful app. Holy crap it’s so nice.
E. V. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Every corner of the app just feels like it cares about your family’s financial wellbeing.
Garry Tan, CEO, Y Combinator
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
This app is SLICK!
R. B. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I have used every modern bank & neobank, and nothing beats Envelope
Z. Vinman App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Beautiful app. Holy crap it’s so nice.
E. V. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Every corner of the app just feels like it cares about your family’s financial wellbeing.
Garry Tan, CEO, Y Combinator
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
This app is SLICK!
R. B. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I’ve used over 15 banks and all the budgeting apps to find a simple and automated way to manage finances. I feel like someone finally got it right.
W.S. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
It's like I met Simple's hotter sister!
W.S. Discord
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
My wife and I have tried a lot of things (traditional banks, YNAB, and Zeta) and have seen what overly complicated is. The Envelope app is enjoyable to use, and that's saying something.
W.S. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Pretty slick
Tech Crunch
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I’ve used over 15 banks and all the budgeting apps to find a simple and automated way to manage finances. I feel like someone finally got it right.
W.S. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
It's like I met Simple's hotter sister!
W.S. Discord
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
My wife and I have tried a lot of things (traditional banks, YNAB, and Zeta) and have seen what overly complicated is. The Envelope app is enjoyable to use, and that's saying something.
W.S. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Pretty slick
Tech Crunch

Useful notifications

You can control what types of notifications you get and when.

Flexible budgeting

Need a percentage of your paycheck for one bill and a set amount for another? Easily done with Envelope.

Physical & virtual

Instantly have access to your account with a virtual card, perfect for paying online bills or expenses.

Available

Money can be moved to envelopes on your schedule, leaving you your available-to-spend amount which we call “Available“.

Simply tap it to reveal your total balance and more.

Secure from the start

With Envelope, you can request a new virtual card number, lock your account from being used, and request a physical card at anytime.

Joint accounts

Share the responsibilty for reaching your goals and paying expenses.

Track spending

Not sure about your budget? Track spending across your account and on individual envelopes to adjust your balance accordingly.

With Envelope, you’re always in control.

Latest updates

2024 • 3 articles

Envelope Insights

We've added four new charts to Envelope in a major analytics update

Product update
New feature

Announcing Envelope Precision: Weekly, Daily, and Percentage Funding

More Envelope funding options are now live in the app

Product update
New feature

Protected savings is here, yielding 4.55% APY*

Let's dive into how Protected savings can keep your funds safe, while earning you 4.55% APY*

Product update
New feature