Frequently Asked Questions

QUBER is a financial wellness app that helps you take control of your money — plan it with My Budget, and grow it with saving that runs itself. It's available on iOS and Android.

My Budget works in paydays rather than calendar months. You tell QUBER what's coming in and what's going out, and it shows you what needs to stay in your account for your bills and what's genuinely free to spend. You can use QUBER for budgeting alone — no bank connection and no saving required.

When you're ready to save, QUBER moves money automatically from your linked bank account or your pay cheque into the QUBER Vault, a secure digital account offered in partnership with trusted financial institutions:

• Alterna Savings (Canada) — alternasavings.ca

• Fifth Third Bank (U.S.) — 53.com

Since our launch, QUBER users have collectively saved millions of dollars toward their short-term saving goals.

QUBER doesn't stop at showing you where your money went — it helps you change what happens next. Here's how:

• My Budget: A budget built around your pay cycle rather than the calendar. It shows you what has to stay in your account for bills and what's actually free to spend, so a tight period stops being a surprise.

• Employer-sponsored programs: Many users access QUBER through their employer or group, who cover the cost so employees can participate at no charge. Your employer/sponsor organization never has access to your personal financial data.

• Cashback Rewards: Shop through QUBER's partner links and earn real cash automatically deposited into your Rewards. No points, no hoops.

• Monthly incentives (APY) on your balance: Your Vault balance earns monthly incentives (APY) that compound daily.

• Save to Win draws: Every time your Vault balance grows between the contest period, you earn ballots for cash-prize draws held monthly.

• Automation that builds the habit for you: QUBER automatically moves money from your linked bank account (or pay cheque) into your Vault based on your chosen Saving Rules.

• Motivation rooted in behavioural science: Smart nudges, milestones, and streaks keep you saving consistently.

Up to 80% of people who previously struggled to save are still saving regularly after a year.

QUBER is like a lottery, only one you can't lose. When users increase their Vault balance, they earn ballots towards our Save to Win draws and gain the chance to win cash prizes. There is no gambling involved! Even if you don't win the draw, your saving balance has still increased and you're that much closer to reaching your goals.

Two ways. Employers, non-profits and groups pay QUBER a per-member monthly fee to offer QUBER as a benefit, with their own branded Saving Challenges and incentives for their people. Individuals who don't have access through a group can subscribe directly.

That's it. QUBER never sells or profits from your personal information.

Absolutely. Your security is our top priority.

• 256-bit encryption and bank-level protection

• Deposits are insured through our banking partners

• Limited access — we can only move funds you authorize

• No data selling — QUBER never sells or profits from your personal information

When you link your bank, you provide the same limited access as a void cheque or bill payment authorization — nothing more.

QUBER is available to anyone in Canada or the United States.

Many people access QUBER through an employer, non-profit or group program that covers the cost for them. Those programs set their own eligibility rules, so you'll confirm you qualify when you join — usually with a code or a few details from your group.

Don't have a program available to you? You can subscribe to QUBER directly instead. There's no eligibility check and no employer involved.

If you're not sure how to reach your group's program, contact your group administrator or email support@qubersavings.com.

Where you start depends on how you're joining — and it's worth getting right, because the two routes are different.

If your employer, non-profit or group offers QUBER, start in the app:

1. Download QUBER from the App Store or Google Play.

2. Register — a few personal details, and you'll confirm you qualify for your group's program.

3. Verify your email.

4. Link your bank account, then choose how you'd like to save.

If you're joining on your own, start here on the website instead:

1. Pick your plan on our pricing page and create your account in your browser.

2. Set up My Budget while you're there — it takes about five minutes.

3. Download the QUBER app and sign in with the same email. Everything you set up will be waiting for you.

4. Link a bank account whenever you want to start saving. You don't need one to use My Budget.

Why the difference? Sponsored programs verify you against your group, and that happens in the app. Subscriptions are set up and paid for here on the website.

Yes. You can subscribe to QUBER directly — you don't need an employer, non-profit or group program to join.

If your employer does offer QUBER, it's worth checking first: sponsored programs are free to you, and often come with extra incentives.

The app's registration is built around group programs, so it asks you to confirm which employer, non-profit or group you're with. If you're not part of one, there's nothing there for you to select.

To join on your own, create your account here on the website first — pick a plan, sign up, then sign in to the app with the same email. From that point everything works exactly the same as it does for anyone else.

If you access QUBER through an employer, non-profit or group program, they cover the cost and you pay nothing.

Otherwise you can subscribe directly. There are two plans — pay monthly, or pay for the year up front and save. Both start with a free trial, and you can cancel any time.

On the website, not in the app. Signing up, changing or cancelling your plan, updating your card and viewing your billing history all happen at qubersavings.com — sign in and open your account page.

The app is where you do your budgeting and saving. It won't show you billing details or let you change your plan, so if you're looking for those in the app, you're in the wrong place rather than missing something.

Yes — 14 days, on either plan. You won't be charged until it ends, and you can cancel any time during the trial at no cost.

You can check exactly when your trial ends, along with your next billing date, on your account page here on the website whenever you like.

The free trial is a one-time introductory offer. If you cancel and come back later, your subscription starts straight away.

No. You can subscribe and start building your budget without connecting a bank account at all.

You'll only need to link one when you want to start moving money into a Saving Jar or a Challenge.

Anything to do with your subscription is handled here on the website rather than in the app. Sign in on qubersavings.com, open your account page and choose Manage Subscription — that takes you to our payment provider, where you can cancel in a couple of clicks. There's no notice period and no cancellation fee.

Your access carries on until the end of the period you've already paid for. Annual plans aren't refunded partway through, so if you're on the yearly plan you'll keep full access right up to your renewal date.

Your money stays yours. Once your access ends you can still sign in and cash out everything in your Vault back to your linked bank account — you just won't be able to add to it or start new goals.

Nothing is locked up, and there's no penalty for cashing out.

You don't lose access. If a card payment doesn't go through, your subscription moves into a retry period and your account carries on working exactly as before — a failed payment is not the same as cancelling.

To sort it out, sign in at qubersavings.com, open your account page and choose Manage Subscription to update your card. Card details aren't handled in the app.

If the payment is never settled, the subscription will eventually end — and even then your money stays yours and you can cash out your Vault in full.

Your employer's program takes over and you stop paying us. We'll cancel your subscription at the end of your current billing period, and you'll carry straight on in the employer program with everything you've saved intact.

Annual plans aren't refunded for the remaining months, so if you know your employer is about to offer QUBER, it's worth waiting before you renew.

Yes — all three, exactly the same as members on an employer program. Your Vault balance earns monthly incentives (APY), growing your balance earns you Save to Win ballots, and QUBER Cashback works the same way it does for everyone else.

Yes. Subscribers get access to QUBER-funded Saving Challenges that pay a cash incentive when you complete them, alongside all the personal Saving Jars and Saving Rules.

Only if your employer offers it. Payroll deduction has to be set up between QUBER and your employer's payroll team, so some sponsored organisations have it and others don't — your group administrator can tell you whether yours does.

Everyone else saves from a linked bank account, and that's how most QUBER members save. If you subscribe on your own there's no employer payroll to deduct from, so this is how it works for you too.

It does the same job either way. Set your Saving Rule to run the day before you're paid — transfers take a day or two to process, so the money comes out just as your pay lands, before you've had a chance to spend it.

My Budget plans your money around your pay cycle rather than the calendar month. You tell QUBER when you get paid, what's coming in, and what regular bills you have — and it works out what needs to stay in your account so nothing bounces.

Setup takes about five minutes. Open the My Budget card on your Dashboard, or find My Budget in the main menu.

You don't need to connect a bank account to use it, and you don't have to be saving with QUBER either.

Keep in Your Bank is the amount that needs to stay in your account right now to cover what's coming — your bills for this pay period, your share of any bills being saved up for, and whatever is left in your spending envelopes.

It's the number that's hardest to work out for yourself, which is why it's the one QUBER leads with. Compare it against your actual bank balance and the difference is your real room to spend.

That's your plan for the pay period, not a running balance.

QUBER works it out from your income, minus your bills, your saving transfers and anything set aside in spending categories or goals. Then it stays put — it doesn't count down as you spend. That's why it's shown as an approximate figure with 'if you've stuck to your plan' underneath it. It only moves when the plan itself changes: you add a bill, a spending category, or a goal.

If your commitments add up to more than your pay, it changes to tell you you're short for the period instead.

So it's a guide to how much room the plan leaves you, not a live balance. To know where you stand right now, use Keep in Your Bank and compare it against your actual bank balance.

That's bill smoothing, and it's working as intended.

When a bill's timing doesn't line up with your pay cycle, QUBER spreads its cost across your pay periods. A $600 annual insurance bill on a biweekly plan shows as about $23 set aside each period. A monthly bill on a weekly plan is split across the weeks in that month.

So the amount you see each period is the portion you need to set aside now, not the full bill. Your money isn't missing — it's being planned one pay period at a time, so the bill never lands on a single cheque.

Weekly, every 2 weeks, twice a month, monthly, and irregular. Pick the one that matches how you're actually paid when you set up.

If your income varies, choose the irregular option — your plan runs in monthly periods and you enter what you actually earned at the start of each one.

You can change your pay frequency or payday later from your budget settings, and QUBER recalculates your future periods for you.

One-off bills for a single upcoming expense, or recurring ones — weekly, every 2 weeks, twice a month, monthly, quarterly or annually.

Add a bill from My Budget and it's factored in straight away. When a bill is paid, mark it as paid and your numbers update immediately. You can edit or delete any bill from the menu beside it.

Yes. When you add a large quarterly or annual bill, you can start a Saving Jar linked to it. A small amount goes into the jar each pay period so the money is there when the bill arrives — instead of it landing all at once.

Yes. Your active Saving Rules come out of your account on a predictable schedule, so My Budget counts them alongside your bills. That way what you see is everything leaving your account, not just your bills.

Round-ups and small saving rules are the exception — they move unpredictable amounts, so they can't be scheduled like a bill. If you use them, My Budget will remind you to keep a small buffer in your account to cover them.

A Saving Jar puts money aside toward a goal — it grows your savings. My Budget looks after your everyday account — it tells you what to keep there so nothing bounces.

They work together: My Budget can link a Jar to a big bill so you're saving for it in advance.

No. My Budget works entirely from what you enter — you add your bills and mark them paid yourself, and everything works without a bank connection.

You'd only link a bank account if you want to start moving money into a Saving Jar or a Challenge.

Four things catch most cases:

• Check every regular bill has been added — a missing one throws the whole period off.

• Mark bills you've already paid as paid.

• If you earn irregularly, make sure you've entered your income for this period.

• Remember that monthly, quarterly and annual bills are spread across your pay periods, so each period shows a portion rather than the full amount.

If it still doesn't look right, get in touch at support@qubersavings.com and we'll take a look with you.

No. My Budget is included — there's no separate charge for it.

If you're on an employer, non-profit or group program, they cover your QUBER access and My Budget comes with it. If you subscribe directly, it's part of your subscription.

The QUBER Vault is your secure digital account where your savings live. Money from your Primary Bank Account or pay cheque is safely transferred into your Vault, where it earns incentives and qualifies for Save to Win draws. You can cash out any time — no fees or penalties.

Your Primary Bank Account is the bank account where QUBER withdraws money to transfer to the QUBER Vault as you are saving. It is also the account that money gets deposited into when you cash out of the Vault. We recommend making your Primary Bank Account the account where your paycheck gets deposited.

In order to get your QUBER account set up, you'll need to link a valid external bank account (this will be known as your Primary Bank Account). To do so, you'll need to provide your online banking username and password through Plaid during the onboarding process when prompted. Alternatively, you can upload a void cheque or bank deposit form through the app.

Starting April 1, 2024, the annual percentage yield for Incentives Earned on the Vault may change. Incentives Earned on the Vault are applicable to active Vaults only. For the Vault to be active, you must have made at least one (1) successful deposit to the QUBER Vault from your linked Primary Bank Account within 180 days.

Current Rate Information can be found in the QUBER mobile app at the bottom of the Rewards screen. At our discretion, we may change the rate of Incentives Earned on the Vault at any time. There are no maximum or minimum rate limits.

Incentives Earned on the Vault is compounded daily and credited to the Vault monthly. If you close your account before the monthly payout, you will not receive any incentives accrued during the month that the account is closed.

We use the Daily Balance Method which applies a daily periodic rate to the Vault balance that has accrued in the Vault each day. Only money that has cleared the 5 day hold and is in 'Received' state applies to the Vault balance.

Primary Bank Account transfers: When your savings reach at least $10, QUBER transfers funds from your Primary Bank Account to your Vault. Transfers typically take 1–2 business days to process and an additional 5 days to reconcile. You'll receive notifications at the start and end of the transfer.

Payroll transfers: Your transfer from payroll will happen on every paycheque — once the deduction is transferred from your company to QUBER, the funds are made available to you and your balance is updated accordingly.

QUBER doesn't charge a fee to move money in or out of your Vault, and there's no penalty for cashing out.

The one exception is the Failed Transfer Fee, which applies if a transfer fails for insufficient funds more than once in a 12-month period. See Fees & Limits below.

Separately, your own bank may charge you transaction or NSF fees depending on your account type — those are your bank's charges, not QUBER's.

Tap Cash Out from any Saving Jar or Challenge to move funds from your Vault back to your Primary Bank Account. Funds usually arrive within 1–2 business days.

You can update your Primary Bank Account by first going to 'Settings', then 'Bank Details'. In 'Bank Details', click the 'Edit' button beside Primary Bank Account. If you have money in your Vault, you will proceed through a manual verification process.

If a transfer fails because there wasn't enough money in your linked bank account, your first time in any 12-month period is free. If it happens again within that same 12-month period, a Failed Transfer Fee of $10 currently applies. QUBER doesn't automatically retry a failed transfer, so this fee won't stack up from repeated attempts.

It depends on why it failed, and there are two quite different reasons.

If the transfer failed because there wasn't enough money in the account, the first time in any 12-month period is on us. You'll get an email letting you know, and nothing else changes. Any time after that in the same 12-month period, a Failed Transfer Fee applies and we pause everything moving money into your Vault until it's settled — scheduled transfers, round-ups, and one-off transfers you start yourself. Cashing out is never paused for this.

If your bank account itself can't be used — it's been closed, frozen, the name doesn't match, or your bank has sent us updated details — we pause transfers until you give us an account we can use. There's no fee for this, because nothing went wrong on your side of it.

In both cases we don't retry the transfer that failed.

Money contributions and cash withdrawals are in your control. If you'd rather a transfer didn't go ahead, the best thing is to pause the Saving Jar or Saving Challenge in the app before the Saving Rule runs.

Cashing out isn't affected.

This means your Primary Bank Account can't be used to move money any more. Usually the account has been closed or frozen, the name on it doesn't match your QUBER account, or your bank has sent us corrected details.

Give us an account we can use instead. In the app, open the paused message and tap Update bank details — that takes you straight to the right screen. Your saving starts again automatically once the new account is verified, which usually takes a day or two.

One thing worth knowing: change your Primary Bank Account, not your transaction source. They sit near each other in Bank Details and it's an easy mix-up — changing the wrong one leaves your transfers paused.

Depending on the problem, cashing out may be paused too. If it is, sorting out your bank account restores that as well.

There's no fee for this kind of pause.

No. We never automatically retry a failed transfer. That's deliberate — it's what stops one short balance in your bank account turning into a run of failures and fees.

If you want to make up the deposit once things are settled, you can start a one-time transfer yourself whenever you're ready.

You can sort this out yourself from the app — you don't need to wait on anyone.

Open QUBER and you'll see a 'Your transfers are paused' screen above your goals. Tap 'Email me how to fix this' and we'll send you a secure link to settle the Failed Transfer Fee. Your transfers switch back on automatically as soon as the payment goes through.

If the email doesn't arrive, check your junk folder — or email support@qubersavings.com and we'll help.

Two things to know once you're back up and running:

• Saving picks up from your next scheduled transfer. Anything missed while you were paused isn't made up afterwards.

• If you switched any goals off in the meantime, you'll need to switch them back on yourself.

No. Once your saving is back on, it picks up from the next scheduled transfer — we don't go back and catch up the ones that were missed.

If you'd like to close the gap, add a one-time transfer for whatever amount suits you.

Yes, always. A pause only stops money moving into your Vault. Your money stays yours and you can cash out any time, with no fee and no penalty.

It can. If a scheduled challenge deposit is missed while your saving is paused, that deposit can lose its matching incentive — the same as any other missed deposit.

If you're partway through a challenge, it's worth settling things quickly so you don't miss the next one.

It's a rolling 12 months rather than a calendar year — we look back over the previous 365 days.

So if the last failed transfer we covered for you was more than a year ago, your next one is covered again.

Yes, it's charged per failed transfer. In practice that means one fee per failure at most, because we never retry a transfer that's already failed.

Yes. The first time a transfer fails in a 12-month period, we email you to say we've covered it and to explain what happens if it happens again.

If a second one fails in that same period, we email you again to confirm the fee and let you know your saving is paused.

Yes. The Failed Transfer Fee applies to everyone who saves from a linked bank account, whether you joined through an employer or group program or subscribed on your own.

It's separate from any fee your own bank charges you for a failed transaction. Some sponsored programs reimburse their members for their bank's fee — check your program's terms, or ask your group administrator.

Nearly every failed transfer comes down to the same thing — the money wasn't in the account on the day the transfer ran. A few habits make that much less likely.

• Check My Budget. It adds up your bills and your upcoming QUBER transfers into a single figure — Keep in Your Bank — which is what needs to stay in your account right now. As long as your balance sits above that number, your transfers have room to land.

• Lower the amount on a Saving Rule if it's stretching you. Saving a smaller amount consistently beats missing one.

• Pause a Rule or a Jar for a period rather than letting a transfer fail. Pausing is free, there's no fee, and you can restart any time.

• Time your Rules to your pay. Setting a transfer to run the day before payday works well — it takes a day or two to process, so it comes out as your pay arrives rather than at the thinnest point of your pay cycle. If your pay date moves, update your Rules to match.

My Budget is there to help you see a tight period coming, not to promise one won't happen. It works from the bills and transfers you've set up, so it can't know about a surprise expense or a pay cheque that arrives late — checking your account balance around your transfer days is still the surest way to stay ahead of it.

It helps a lot, but it can't stop one on its own.

My Budget shows you Keep in Your Bank — your bills and your upcoming QUBER transfers added up into one figure that needs to stay in your account. That's the most useful number you can have, because it's the part that's hard to work out for yourself.

What it can't do is see your bank balance, or know about spending you haven't planned for. So it tells you what to stay above — checking that you're actually above it is still down to you.

Yes — the current minimum is $10 per transfer from your linked bank account into your QUBER Vault.

Yes. You can currently transfer up to $3,000 a day from your linked bank account into your QUBER Vault, and cash out up to $10,000 a day from your Vault back to your linked bank account.

QUBER Cashback Rewards let you grow your savings by earning money back on everyday purchases. When you shop through QUBER's cashback partners, you earn real cash rewards that are automatically added to your Rewards — helping your balance grow even faster. It's simple, automatic, and keeps your savings working for you.

1. Browse Cashback offers in the QUBER app.

2. Shop with participating retailers online through the provided QUBER links.

3. Earn Cashback automatically — a percentage of your purchase is tracked and credited to your Vault once the store confirms your order.

4. Watch your Rewards grow!

When you shop through QUBER, we track your purchase directly with the store. Your Cashback will appear in your QUBER balance once the store confirms your order, which typically takes 30–90 days. Stores need time to confirm that purchases weren't cancelled, returned, or refunded.

Not all purchases qualify for Cashback. Each partner store sets its own exclusions and eligibility criteria, such as:

• Certain product categories, gift cards, or subscriptions

• Purchases made using other discounts or promotional codes

• Items cancelled, returned, or refunded

To earn Cashback, always:

• Start your shopping journey from the QUBER app using the provided links

• Complete your purchase in the same session

• Review offer details in the app to see any store-specific terms

If a purchase doesn't qualify, you may see it marked as "ineligible" in your Cashback activity.

Join your employer's Saving Challenge to follow an easy, automated schedule and earn extra rewards. You'll save money consistently, earn Save to Win ballots, and receive monthly Vault incentives (APY). QUBER offers many other saving challenges to choose from that align with your financial journey.

Create flexible, personalized Saving Jars for any goal — an emergency fund, a trip, or a new home. You decide how much, how often, and how you want to save. Each Jar contributes to your Vault balance and overall savings progress.

Saving Rules tell QUBER when and how to move money into your Vault:

• When I spend — save a little with every purchase

• When I get paid — automatically save from deposits

• When I reach my fitness goal — link Fitbit® to reward your progress

• Calendar-based — save on a schedule

• Budget Challenge — spend less than planned and save the difference

Linking your transaction history unlocks advanced Saving Rules like "When I Spend" and "When I Get Paid."

You'll see Tap to Save cards recommended for you on your Dashboard; when you tap on a card, the amount of money specified on the card will be moved to your specified Saving Jar that day. This is a one-time transfer of money to your Saving Jar.

Absolutely. You can pause, edit, or delete any Rule or Jar/Challenge anytime. You're always in full control of your money.

You can do a one-time transfer of money into your Jar/s, at any time — add a new Saving Rule and choose 'Do a one-time transfer'.

You can reset your password within the app. From the Main Menu, select 'Settings', then 'Profile'. There, you will find a button to change your password.

We're sorry to see you go and would love to know how we can improve. To delete your QUBER account, you will first need to cash out any money you have in your QUBER Vault. If there is money in transit to the Vault, you will have to wait until it reaches the Vault, then cash out and wait for it to return to your bank account. Once all your money has been cashed out, you can either send us an email at support@qubersavings.com or go to Settings → Delete Account in the app to start the process.

Note: Deleting the QUBER app from your phone will not delete any active Saving Jars, Rules or Challenges associated with your account.

From the Main Menu, select 'Settings'. You will see the button to enable/disable Touch/Face ID.

From the Main Menu, select 'Settings'. You will see the button to enable/disable Notifications.

📧 support@qubersavings.com

💬 Live chat: qubersavings.com

📞 1-833-237-5195

QUBER is available in Canada and the United States.

QUBER is available in English.

We would love to hear your ideas! We have exciting enhancements planned and are always looking for feedback from our users. Please send your request to contactus@qubersavings.com and we'll be in touch!