Savings App

The Challenge: Save $40 a Month for 10 Months & Get Up to $100 in Incentives

The QUBER Savings App can make saving money possible, even if you’re living on a low income. Have you struggled to save? Don’t know where to start? Join the Momentum Savings Challenge on QUBER and get cash rewards for saving!

The Challenge: Save $40 a Month for 10 Months & Get Up to $100 in Incentives
Success often starts with small steps. If your dreams include going back to school, a new home, an emergency fund, or anything else, this app is designed to help you and your family save for the future.

Momentum has been supporting Calgarians save money for than 20 years. We are now partnering with QUBER to offer this Challenge for free and make the habit of saving even easier.

Join the Challenge | Frequently Asked Questions


What incentives can I get and when?

For each month you save $40, you’ll earn up to $100 in cash incentives

+ Starting bonus, get this right away just for signing up ($5)
+ Saving boosts, each time you move money ($50 total)
+ 3-in-a-Row boosts, when you move money 3 times in a row ($30 total)
+ Completion bonus ($15)

= $100


Who can join the Momentum Savings Challenge?

  • Anyone who lives in Calgary and area
  • Is 17+ years of age
  • Is currently living on a low income (your household income is below this cut off chart, before tax)
Household SizeMonthlyYearly
1 person$ 2,642.60
$ 31,711.20
2 persons$ 3,289.90$ 39,478.80
3 persons$ 4,044.50$ 48,534.00
4 persons$ 4,910.60 $ 58,927.20
5 persons$ 5,569.50$ 66,834.00
6 persons$ 6,281.40$ 75,376.80
7 or more persons$ 6,993.50$ 83,922.00


How do I join?

  1. Download the QUBER app
  2. Select Group Savings Challenge, then Momentum
  3. Complete the eligibility questions to get started
  4. Start saving! Each month you save $40 you will earn different cash incentives
Download the QUBER Savings App on the google play store.Download the QUBER Savings App on the Apple App Store.




What QUBER users are saying

“I always thought saving was important. I’m glad there’s an app to do this and I don’t have to do anything to it.”

“As a student on a low income it can be hard to save. This app helped me. I could access financial help without needing to take time to participate in a Momentum program.”


Frequently Asked Questions

How does the QUBER app work?

The QUBER savings app is free to download. When you sign up for the Momentum Savings Challenge on QUBER, your bank account will be linked in the app securely. Money will be withdrawn from your bank account bi-weekly or monthly (you choose!) and moved to the QUBER bank account, the QUBER Vault, for safe keeping. Once you reach pre-defined challenge milestones, you will automatically earn incentives.

Click here to view our QUBER demo video if you are a new user.

Click here to view our  QUBER demo video if you are already a QUBER user.


Is this a scam? Where do the incentives come from?

We are a Registered Charity. Since 1999, Momentum’s Matched-Savings Programs
have empowered people who are living on low incomes with limited  assets. The funding for this program is from our financial partners listed at the bottom of this page.

When do I receive my Challenge incentives?

The starting bonus is earned as soon as you join the Savings Challenge. All other  incentives that are tied to withdrawals from your bank account will be earned 5 business days after the money starts to transfer to the QUBER Vault.

Can I stop the Savings Challenge once I've started it?

Stop the Challenge by clicking, “Cashout”. You can then choose to “Cashout & Quit’.  Or choose ‘Cashout and Continue” which transfers your savings and incentives to your linked account, but you can still continue the Challenge.

If you are worried that you might not have money in your bank account for your next savings withdrawal, you can skip a withdrawal. First, open QUBER and navigate to the Momentum Savings Challenge. Under the Details section, you will see ‘Next withdrawal’ with a date. Look for the ‘Skip withdrawal’ link. This will skip the next withdrawal and automatically continue with the next withdrawal. Please note, by skipping a withdrawal, you may lose out on some incentives.

BE AWARE: if QUBER attempts to withdraw money that is not available in your account, you are at risk of paying a Non-Sufficient Funds (NSF) fee to your bank. NSF fees can be upwards of $50.

Who can I talk to if I need help?

For technical questions about the QUBER savings app, please email and
for questions about the Momentum Savings Challenge, email


Download QUBER to start the Savings Challenge now!

Download the QUBER Savings App on the google play store.Download the QUBER Savings App on the Apple App Store.



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