In our next update, envelopes in your budget can have their own virtual card. That means more control, more security, and zero overspending.
We call them Envelope cards — a per-envelope virtual card that’s automatically tied to your budget.
What are Envelope cards?
Envelope cards are virtual debit cards you can generate directly from any Envelope in your account. Each card is automatically tied to that Envelope’s balance, which means:
No overspending – the card limit equals the money in the Envelope.
Auto-adjusting limits – as you fund or spend from the Envelope, the card’s limit updates in real time.
Ultimate clarity – every purchase is automatically assigned to the right budget.
In other words: your budget is the limit.
Why use them?
For the advanced budgeter who wants ultimate control and security, Envelope cards turn your budget into infrastructure.
Instead of one catch-all card, bills get their own lane. Your phone plan, electric bill, or subscription bundle can’t pull from the wrong place, and they can’t spend more than you’ve set aside. And when you’re done with a service? Delete the card. No messy updates. No surprises.
Think of Envelope cards as a tool, not a requirement. Use one for subscriptions, a second for utilities, or go all in and give every bill its own lane*. It’s completely up to you. And if you’re happiest with the simplicity of single debit card? That’s still there too, working exactly as before.
Examples in real life
Subscriptions: Put Netflix, Spotify, and iCloud all on a “Subscriptions” Envelope card. If you cancel, just delete the card.
Utilities: Create a monthly “Bills” card for electricity, internet, or water. The card limits adjust each month as you fund the envelope.
Insurance: Keep car or renters’ insurance on its own card so you always know those payments are covered.
Phone Plan: Assign your wireless bill to a dedicated card. It will only draw from what you’ve budgeted.
Streaming Bundles: Disney+, Hulu, Max? Group them on a single card for entertainment, separate from essentials.
How to get started
Update your app to our latest version tomorrow.
Open any envelope in the app
Tap edit
Toggle Virtual card on
Start using your new card anywhere VISA debit is accepted.
With so many new people joining Envelope this month — including countless former Qube customers — we knew we had to deliver this feature fast. We want to give a quick shout-out to our friends at Pacific West Bank. While this feature has been on our roadmap for some time, they worked in lockstep with our team to take a well-thought-out feature and move it into production in just three business days. That kind of responsiveness is rare in banking, and it’s exactly why we’re so proud to partner with them.
Envelope is a fintech company, not an FDIC-insured 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 Money 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.
Annual Percentage Yield (APY) of 3.7% is effective as of 6/27/25. 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.
*During this initial launch, per-envelope cards have a limit of 20 per account. Contact support if you have a use case that requires adding more.