Getting started with Envelope

Join over 2,200 people on Discord and help shape Envelope for the better

Join over 2,200 people on Discord and help shape Envelope for the better

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Locking your card

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Locking your card

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Budget settings

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Funding options

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Envelope options

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Envelope security

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Envelope notes

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Frequent questions

What is Envelope? How is it different than Chime, CoPilot, Monarch Money?

How will Envelope stay in business? How do you make money?

Why isn't Envelope free? Can I earn my membership fee back?

How do I add my card to Apple Pay or Android Wallet?

How do I create an Envelope account?

Can I try Envelope before I subscribe?

Will Envelope make me rich?

Frequent questions

What is Envelope? How is it different than Chime, CoPilot, Monarch Money?

How will Envelope stay in business? How do you make money?

Why isn't Envelope free? Can I earn my membership fee back?

How do I add my card to Apple Pay or Android Wallet?

How do I create an Envelope account?

Can I try Envelope before I subscribe?

Will Envelope make me rich?

Frequent questions

What is Envelope? How is it different than Chime, CoPilot, Monarch Money?

How will Envelope stay in business? How do you make money?

Why isn't Envelope free? Can I earn my membership fee back?

How do I add my card to Apple Pay or Android Wallet?

How do I create an Envelope account?

Can I try Envelope before I subscribe?

Will Envelope make me rich?

Frequent questions

What is Envelope? How is it different than Chime, CoPilot, Monarch Money?

How will Envelope stay in business? How do you make money?

Why isn't Envelope free? Can I earn my membership fee back?

How do I add my card to Apple Pay or Android Wallet?

How do I create an Envelope account?

Can I try Envelope before I subscribe?

Will Envelope make me rich?

Unlock your financial future.

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©2025 Envelope Money

Envelope is a fintech company, not a 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.

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payroll provider. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.

*Annual Percentage Yield (APY) of 3.28% is effective as of 10/30/25. 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.

Unlock your financial future.

App Store

Play Store

Home

Features

Roadmap

Support

Contact

©2025 Envelope Money

Envelope is a fintech company, not a 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.

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payroll provider. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.

*Annual Percentage Yield (APY) of 3.28% is effective as of 10/30/25. 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.

Unlock your financial future.

App Store

Play Store

Home

Features

Roadmap

Support

Contact

©2025 Envelope Money

Envelope is a fintech company, not a 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.

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payroll provider. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.

*Annual Percentage Yield (APY) of 3.28% is effective as of 10/30/25. 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.