Envelope is a fintech company, not a bank. Banking
services provided by Pacific West Bank, Member FDIC.
Deposit insurance covers the failure of an insured bank.
4.7 / 5
Be better
with money
A budgeting app with a built-in checking account, so your money stays organized and managing your finances feels effortless.
Trusted by
+
families and individuals
Envelope is a fintech company, not a bank. Banking
services provided by Pacific West Bank, Member FDIC.
Deposit insurance covers the failure of an insured bank.
TechCrunch
Favorite Startups
TechCrunch
Favorite Startups
Hundreds of
5-star reviews
Y Combinator
Selection
Hundreds of
5-star reviews
Y Combinator
Selection
TechCrunch
Favorite Startups
Hundreds of
5-star reviews
Y Combinator
Selection
Full-service banking meets effortless budgeting.
No syncing.
No spreadsheets.
Just clarity.
Budgeting
Organize your account
into envelopes
🏠 Mortgage
🥕 Groceries
🍿 Entertainment
⚡️ Utilities
🍼 Daycare
💻 New computer
☂️ Rainy day
Budgeting
Organize
your account
into envelopes
🏠 Mortgage
🥕 Groceries
🍿 Entertainment
⚡️ Utilities
🍼 Daycare
💻 New computer
☂️ Rainy day
Budgeting
Organize your account
into envelopes
🏠 Mortgage
🥕 Groceries
🍿 Entertainment
⚡️ Utilities
🍼 Daycare
💻 New computer
☂️ Rainy day
Powerful features
Everything works together to make money management effortless, transparent, and firmly in your control.
Create envelopes
Keep your finances organized with simple or advanced envelopes that flex to match how you budget and spend.
Organize your spend
Assign your card and ACH transactions to envelopes
Visualize your expenses
Visual charts help you understand where your money goes and how it changes over time.
Move money between envelopes
Envelope balances are updated in real time
Spend with intention
Select an envelope before you swipe so every purchase aligns with your budget.
Automation.
Security.
Control.
Everything works together to make money management effortless, transparent, and firmly in your control.
Create envelopes
Keep your finances organized with simple or advanced envelopes that flex to match how you budget and spend.
Organize your spend
Assign your card and ACH transactions to envelopes
Visualize your expenses
Visual charts help you understand where your money goes and how it changes over time.
Powerful features
Everything works together to make money management effortless, transparent, and firmly in your control.
Create envelopes
Keep your finances organized with simple or advanced envelopes that flex to match how you budget and spend.
Organize your spend
Assign your card and ACH transactions to envelopes
Visualize your expenses
Visual charts help you understand where your money goes and how it changes over time.
Solutions for every stage of life
Solutions for every stage of life
Whether you’re just getting started or optimizing every dollar, Envelope gives you the clarity and control you need to move forward with confidence.
Whether you’re just getting started or optimizing every dollar, Envelope gives you the clarity and control you need to move forward with confidence.
Individual or joint accounts
Individual or joint accounts
Individual or joint accounts
Share the budgeting journey with joint or individual accounts.
Share the budgeting journey with joint or individual accounts.
First time budgeting
First time budgeting
First time budgeting
Take control of your finances with the power of envelope budgeting.
Take control of your finances with the power of envelope budgeting.
Financial power user
Financial power user
Financial power user
Powerful envelope options for optimal control, insight, and clarity.
Powerful envelope options for optimal control, insight, and clarity.
Useful insights
Useful insights
Track and control
your spending
Track and control
your spending
Optionally, add a virtual card to any envelope, proving a way to directly spend only the funds in that envelope; Perfect for fixed payments like rent, utilities, or Netflix.
Optionally, add a virtual card to any envelope, proving a way to directly spend only the funds in that envelope; Perfect for fixed payments like rent, utilities, or Netflix.
Features
Everything you need to replace
your checking account
Engineered by former Robinhood and Apple Card team members
Early Direct Deposit
Get paid up to two days early, so your money is available when you need it.*
High APY Savings
Grow your savings faster with a competitive interest rate.*
Physical & Virtual Cards
Use your physical card anywhere or create virtual cards for secure, flexible spending.
Fee-free ATMs & Deposits
Withdraw cash or deposit nationwide without paying ATM fees at qualifying AllPoint+ ATMs.*
Checkbooks
Order checks when paper payments are still required from participating vendors.
Mobile Check Deposit
Deposit checks with your camera on iOS. (Coming soon to Android)
Incoming & Outgoing Wires
Send or receive domestic wires directly through your account for fast, reliable transfers.
FDIC insured
Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC.
Features
Everything you
need to replace
your checking account
Engineered by former Robinhood
and Apple Card team members
passionate about personal finance.
Early Direct Deposit
Get paid up to two days early, so your money is available when you need it.*
High APY Savings
Grow your savings faster with a competitive interest rate.*
Physical & Virtual Cards
Use your physical card anywhere or create virtual cards for secure, flexible spending.
Fee-free ATMs & Deposits
Withdraw or deposit without paying ATM fees at qualifying AllPoint+ ATMs.
Checkbooks
Order checks when paper payments are still required from participating vendors.
Mobile Check Deposit
Deposit checks with your camera on iOS. (Coming soon to Android)
Wire transfers
Send or receive domestic wires directly through your account for reliable transfers.
FDIC insured
Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC.
Features
Everything you need to replace your checking account
Engineered by former Robinhood and Apple Card team members
Early Direct Deposit
Get paid up to two days early, so your money is available when you need it.*
High APY Savings
Grow your savings faster with a competitive interest rate.*
Physical & Virtual Cards
Use your physical card anywhere or create virtual cards for secure, flexible spending.
Fee-free ATMs & Deposits
Withdraw cash or deposit nationwide without paying ATM fees at qualifying AllPoint+ ATMs.*
Checkbooks
Order checks when paper payments are still required from participating vendors.
Mobile Check Deposit
Deposit checks with your camera on iOS. (Coming soon to Android)
Incoming & Outgoing Wires
Send or receive domestic wires directly through your account for fast, reliable transfers.
FDIC insured
Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC.
"Every corner of the app just feels like it cares about your family’s financial wellbeing."
Garry Tan, Y Cobinator
"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
"I have used every modern bank & neobank, and nothing beats Envelope."
Z Vinman, App Store
"It's changed my life. My wife and I have almost paid down $100k in debt over two years using it."
Joseph A., Discord
"A budgeting app has no business going this hard."
R.B., App Store
"Pretty slick"
TechCrunch
"Can confirm I very much love Envelope after trying like half a dozen other options."
R.B., App Store
"Every corner of the app just feels like it cares about your family’s financial wellbeing."
Garry Tan, Y Cobinator
"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
"I have used every modern bank & neobank, and nothing beats Envelope."
Z Vinman, App Store
"It's changed my life. My wife and I have almost paid down $100k in debt over two years using it."
Joseph A., Discord
"A budgeting app has no business going this hard."
R.B., App Store
"Pretty slick"
TechCrunch
"Can confirm I very much love Envelope after trying like half a dozen other options."
R.B., App Store
"Every corner of the app just feels like it cares about your family’s financial wellbeing."
Garry Tan, Y Cobinator
"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
"I have used every modern bank & neobank, and nothing beats Envelope."
Z Vinman, App Store
"It's changed my life. My wife and I have almost paid down $100k in debt over two years using it."
Joseph A., Discord
"A budgeting app has no business going this hard."
R.B., App Store
"Pretty slick"
TechCrunch
"Can confirm I very much love Envelope after trying like half a dozen other options."
R.B., App Store
Frequent questions
How is Envelope different from YNAB, CoPilot, and Monarch Money?
Unlike other budgeting apps that connect to an external account, Envelope accounts come with a checking account* built in. This means there's no syncing and all bank account data is instantly available for you to manage and budget. This also means Envelope users can save over $100 per year† by switching to Envelope. *Banking services provided by Pacific West Bank, Member FDIC. †$100+ per year in savings assumes a user with an annual YNAB membership is swapping to a comparable Envelope membership and qualifying for the waived fee.
Why isn't Envelope free?
Charging a fair price allows us to focus on what we do best while giving you the reassurance that we’ll never sell your data or promote unrelated products just to make money. Still don't want to pay the membership fee? Since Envelope generates revenue the same way banks do, the annual fee can be waived when you spend $5,000 or more per year with your Envelope debit card. That's less than the average American spends on groceries. This means Envelope users who choose the annual membership can save over $100 per year vs competitors like YNAB, Copilot and Monarch—all while enjoying a premium, transparent experience.
How do you make money?
Envelope makes money on membership fees, account balances, and debit card transactions which is why you can earn a year of Envelope when you spend more than $5,000 in a 12 month span starting with your start date. We take sustainability very seriously and never release features that compromise our ability to stick around long term.
How do I create an Envelope account?
Get started by downloading the iOS or Android app. To sign up for an account, you'll need your name, address, phone number, email address, date of birth and SSN. In some cases, we may ask you to provide additional information or documents to confirm your identity, but only when it’s absolutely necessary. If you are looking to open a joint account with a partner, you will also need their information as well. It only takes a few minutes to apply, and most accounts are approved and opened the same day, if not immediately.
Can I try Envelope before I subscribe?
Yes! The app has a built in demo mode where you can create your envelopes and simulate charges and deposits.
What does "Envelope is not a bank" mean?
Envelope gives you a modern banking experience through an app, without being a bank itself. When you sign up for Envelope, you receive a checking account provided by our partner bank, PWB. You use Envelope to manage your money, budget, and move funds, but PWB is the bank that actually holds your deposits behind the scenes. So when we say “Envelope is not a bank,” we mean that Envelope is the technology layer and app experience, while our partner bank is the regulated financial institution that stores and safeguards customer funds. This is similar to how other fintechs work, like Chime and Current. *Banking services provided by Pacific West Bank, Member FDIC.
Frequent questions
How is Envelope different from YNAB, CoPilot, and Monarch Money?
Unlike other budgeting apps that connect to an external account, Envelope accounts come with a checking account* built in. This means there's no syncing and all bank account data is instantly available for you to manage and budget. This also means Envelope users can save over $100 per year† by switching to Envelope. *Banking services provided by Pacific West Bank, Member FDIC. †$100+ per year in savings assumes a user with an annual YNAB membership is swapping to a comparable Envelope membership and qualifying for the waived fee.
Why isn't Envelope free?
Charging a fair price allows us to focus on what we do best while giving you the reassurance that we’ll never sell your data or promote unrelated products just to make money. Still don't want to pay the membership fee? Since Envelope generates revenue the same way banks do, the annual fee can be waived when you spend $5,000 or more per year with your Envelope debit card. That's less than the average American spends on groceries. This means Envelope users who choose the annual membership can save over $100 per year vs competitors like YNAB, Copilot and Monarch—all while enjoying a premium, transparent experience.
How do you make money?
Envelope makes money on membership fees, account balances, and debit card transactions which is why you can earn a year of Envelope when you spend more than $5,000 in a 12 month span starting with your start date. We take sustainability very seriously and never release features that compromise our ability to stick around long term.
How do I create an Envelope account?
Get started by downloading the iOS or Android app. To sign up for an account, you'll need your name, address, phone number, email address, date of birth and SSN. In some cases, we may ask you to provide additional information or documents to confirm your identity, but only when it’s absolutely necessary. If you are looking to open a joint account with a partner, you will also need their information as well. It only takes a few minutes to apply, and most accounts are approved and opened the same day, if not immediately.
Can I try Envelope before I subscribe?
Yes! The app has a built in demo mode where you can create your envelopes and simulate charges and deposits.
What does "Envelope is not a bank" mean?
Envelope gives you a modern banking experience through an app, without being a bank itself. When you sign up for Envelope, you receive a checking account provided by our partner bank, PWB. You use Envelope to manage your money, budget, and move funds, but PWB is the bank that actually holds your deposits behind the scenes. So when we say “Envelope is not a bank,” we mean that Envelope is the technology layer and app experience, while our partner bank is the regulated financial institution that stores and safeguards customer funds. This is similar to how other fintechs work, like Chime and Current. *Banking services provided by Pacific West Bank, Member FDIC.
Frequent questions
How is Envelope different from YNAB, CoPilot, and Monarch Money?
Unlike other budgeting apps that connect to an external account, Envelope accounts come with a checking account* built in. This means there's no syncing and all bank account data is instantly available for you to manage and budget. This also means Envelope users can save over $100 per year† by switching to Envelope. *Banking services provided by Pacific West Bank, Member FDIC. †$100+ per year in savings assumes a user with an annual YNAB membership is swapping to a comparable Envelope membership and qualifying for the waived fee.
Why isn't Envelope free?
Charging a fair price allows us to focus on what we do best while giving you the reassurance that we’ll never sell your data or promote unrelated products just to make money. Still don't want to pay the membership fee? Since Envelope generates revenue the same way banks do, the annual fee can be waived when you spend $5,000 or more per year with your Envelope debit card. That's less than the average American spends on groceries. This means Envelope users who choose the annual membership can save over $100 per year vs competitors like YNAB, Copilot and Monarch—all while enjoying a premium, transparent experience.
How do you make money?
Envelope makes money on membership fees, account balances, and debit card transactions which is why you can earn a year of Envelope when you spend more than $5,000 in a 12 month span starting with your start date. We take sustainability very seriously and never release features that compromise our ability to stick around long term.
How do I create an Envelope account?
Get started by downloading the iOS or Android app. To sign up for an account, you'll need your name, address, phone number, email address, date of birth and SSN. In some cases, we may ask you to provide additional information or documents to confirm your identity, but only when it’s absolutely necessary. If you are looking to open a joint account with a partner, you will also need their information as well. It only takes a few minutes to apply, and most accounts are approved and opened the same day, if not immediately.
Can I try Envelope before I subscribe?
Yes! The app has a built in demo mode where you can create your envelopes and simulate charges and deposits.
What does "Envelope is not a bank" mean?
Envelope gives you a modern banking experience through an app, without being a bank itself. When you sign up for Envelope, you receive a checking account provided by our partner bank, PWB. You use Envelope to manage your money, budget, and move funds, but PWB is the bank that actually holds your deposits behind the scenes. So when we say “Envelope is not a bank,” we mean that Envelope is the technology layer and app experience, while our partner bank is the regulated financial institution that stores and safeguards customer funds. This is similar to how other fintechs work, like Chime and Current. *Banking services provided by Pacific West Bank, Member FDIC.
Monthly or yearly options
$10/mo
A complete banking solution with no annual commitment.
$40/yr
Fee waived when you spend $5,000/yr. with your Envelope card.
Works with your budget, not against it
Individual or joint accounts
Unlimited envelopes
Virtual & physical card
Envelope virtual cards
Spending insights
Fee-free ATM network
Monthly or yearly options
$10/mo
A complete banking solution with no annual commitment.
$40/yr
Fee waived when you spend $5,000/yr. with your Envelope card.
Works with your budget, not against it
Individual or joint accounts
Unlimited envelopes
Virtual & physical card
Envelope virtual cards
Spending insights
Fee-free ATM network
Monthly or yearly options
$10/mo
A complete banking solution with no annual commitment.
$40/yr
Fee waived when you spend $5,000/yr. with your Envelope card.
Works with your budget, not against it
Individual or joint accounts
Unlimited envelopes
Virtual & physical card
Envelope virtual cards
Spending insights
Fee-free ATM network