Envelope: Budgeting & Banking 4+

The best bank EVER thus far!

It was only one review but to future users: This is a FINTECH BANK. If you’re not looking for a bank with an envelope budgeting system, this bank is not for you so don’t be rating it poorly because you can’t understand what it is. Now onto the review:

I’ve been with Envelope Money since it was just starting super bare bones as a beta tester and now alpha tester. I have had many banks including Simple and One which, if you had them, you know how badly we got burned. So jumping into another fintech wasn’t an easy decision but I cannot tell you how happy I was to have made the jump! This bank is built on community feedback and are committed to transparency and customer satisfaction. It is unlike any other banking experience I’ve ever had. As a neurodivergent person, an envelope system is integral to my financial success. The founders of Envelope Money have been consistently communicative and dedicated to app improvement since day one. I don’t know how they do it! I am thankful for have found EM and I hope traditional banks take note and learn a thing or two!

A bank for people who like to budget. Made by former Simple bank employees!

Envelope has truly transformed the way I manage my money! The budgeting feature, or “envelopes,” has made it so simple to allocate my funds, balance my budget, and even work my way out of debt. I used to struggle with the single number most bank apps show, but Envelope breaks everything down in a way that’s easy to follow and gives me full control over where my money is going.

What’s even better is that all the budgeting features, like the individual envelopes, are built directly into the app. No more needing to rely on third-party apps to manage my budget outside of my bank—it’s all in one place, which makes life so much easier!

Envelope was created by former employees of the bank “Simple,” so if you loved Simple, you’ll love Envelope even more! The user-friendly design and intuitive features really feel like an upgraded experience.

One of the standout features is their Discord channel, where you can vote on new features and even connect with the actual team behind Envelope—it’s great to feel like they’re listening to their users. Plus, the built-in savings account with a 4.55% APY is such a game changer for growing my savings effortlessly.

I can’t recommend this app enough for anyone who wants a simple and effective way to manage their money and keep track of every dollar. Envelope has made a real difference for me, and I know it would for others too!

Developer Response ,

Thank you for your fantastic review! We're thrilled to hear that Envelope has transformed your money management and that you love our budgeting features and integrated savings account. It's great to know you're enjoying our Discord channel and feel connected to our team. Your feedback means a lot to us, and we appreciate your recommendation! If you have any more suggestions, don’t hesitate to reach out.

Wow!

I don’t leave reviews but envelope deserves a good 10 stars for being so seamless. After simple banks shut down I looked everywhere for a simple envelope like banking that’s easy and automated. Envelope has hit almost every check mark for me for being effortless and easy. I’m finally back to the budgeting style that works best for me without having multiple budgeting apps that complicated it for me even further. I love that the discord page for envelope is so interactive, the developers are always updating and communicating features and plans with users that make you feel like your a part of the team. Honestly the only hiccup for me is feeling like it could end like how simple banking was pulled out of nowhere. I’m really excited for the future of this banking and budgeting app that after months of testing out and putting a percentage of paycheck’s this week I’ve fully committed.