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

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.


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.

Goals achieved

Set a target amount or date and Envelope will do the work for you based on your schedule.

And at any time, you can move money instantly between envelopes, including back into Available.

Latest updates

2024 • 2 articles

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