Introducing: Envelope cards
You asked. We delivered.
I have used every modern bank & neobank, and
nothing beats Envelope.
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 
A budgeting app has no business going this hard
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
A budgeting app has no business going this hard
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
Can confirm I very much love Envelope after trying like half a dozen other options.
Dante A.Discord
Eliminates all the hassle.
A.C. App Store
Pretty slick
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
Can confirm I very much love Envelope after trying like half a dozen other options.
Dante A.Discord
Eliminates all the hassle.
A.C. App Store
Pretty slick
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.
Monthly
$5/mo
Unlimited envelopes- Joint accounts
30-day free trial
Annual
$40/yr
- Unlimited envelopes
- Joint accounts
- 30-day free trial
- Fee waived when you spend $5K/year using your Envelope debit card
Latest updates
2025 • 8 articles
Introducing: Auto-lock
Today we’re launching a new optional feature called Auto-lock — designed to keep your spending intentional.
Android Is Now in Beta
Envelope is now on Android, download from the Google Play Store to join the beta.
Mobile Check Deposit
We’re excited to introduce Mobile Check Deposit, making it easier than ever to add funds to your Envelope account.
Fall Update
Launching five of our highest community-requested features.
Envelope Insights
We've added four new charts to Envelope in a major analytics update.
Announcing Envelope Precision: Weekly, Daily, and Percentage Funding
More Envelope funding options are now live in the app.
Protected savings is here, yielding 3.7% APY*
Let's dive into how Protected savings can keep your funds safe, while earning you 3.7% APY*.
Envelope is a fintech company, not an FDIC-insured bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.
*Annual Percentage Yield (APY) of 3.7% is effective as of 6/27/25. This is a variable rate and is subject to change after the account is opened based on the Federal Funds Rate. Fees could affect earnings on the account.
© Copyright 2025 Envelope