Savings App

The Challenge: Save $40 a month and get up to $100 in incentives

The QUBER Savings App can help you to start an emergency fund, even if you receive income support or AISH, live in subsidized housing, are a single parent or otherwise living on a low income. Our participants have already saved over $250,000. Join the Momentum Savings Challenge on QUBER and get cash rewards for saving!

Winning at life starts with small steps. The QUBER app works by automatically withdrawing money from your bank account and setting it aside (like a pre-authorized debit). As your savings add up, you may find you have enough to go back to school, purchase a home, start an emergency fund, or plan for your family’s future.

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

Video thumbnail how to sign up for the Momentum Savings Challenge Courtney

Join the Challenge >  |   Frequently Asked Questions >

Saving is Winning Contest button

What incentives can I get and when?

Each month you save $40 (maximum 10 months), you’ll earn cash incentives totaling $100

+ 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

By the end of the challenge, you’ll have emergency savings that will help you to feel less stressed about money.

Who can join the Momentum Savings Challenge?

  • Anyone who lives in Calgary and area
    (Airdrie, Cochrane, Chestermere, Okotoks, Stoney Nakoda, Morley, Tsuu T’ina, Siksika, etc)
  • Is 17+ years of age
  • Is currently living on a low income (your household income is below this cut off chart, before tax)

Anyone can use QUBER, free, regardless of income. However, your gross income (before tax) must meet the below cut off to earn rewards from the Momentum Savings Challenge.

Household SizeMonthlyYearly
1 person$ 3,105.71
$ 37,268.57
2 persons$ 3,866.44$ 46,397.33
3 persons$ 4,753.33$ 57,039.95
4 persons$ 5,771.13$ 69,253.50
5 persons$ 6,545.56$ 78,546.67
6 persons$ 7,382.21$ 88,586.48
7 or more persons$ 8,219.05$ 98,628.58


How do I join?

  1. Download the QUBER app
  2. Select Group Savings Challenge (the purple, or second button)
  3. Choose Momentum from the list of challenges
  4. Set your savings preferences and start saving! Each month you save $40 you will earn different cash incentives
Google Play - download QUBER     App store - download QUBER



Need more information before starting, or some guidance to get the app set up? Let us know and we’ll be in touch!

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Momentum’s Saving is Winning Contest

Momentum's Saving is Winning Contest square
First, sign up for the Momentum Savings Challenge on the QUBER app. After you have completed (or stopped) the challenge, you can still get rewards for saving!

To find the contest, open QUBER and tap the 3 lines in the upper left. Tap, “Save to Win”, then, “Join Another Contest” and select Momentum. You will be asked a few eligibility questions before joining. Watch our how to join video to learn more.

Keep saving with QUBER, and every month that you increase your QUBER Vault balance by $40, you will be entered into a draw for $50 from Momentum. Read our contest rules and regulations, here.


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 automatically withdrawn from your bank account bi-weekly or monthly (you choose!) and moved to the QUBER bank account, the QUBER Vault, for safe keeping. Each time you reach pre-defined challenge milestones, you will earn incentives. View your incentives balance in QUBER.

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.

If you've already installed the QUBER app, read our QuickStart Guide.

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 who support our organization. Learn more about our funders here.

QUBER is a Canadian fintech company and recent winner of the Desjardins Fintech Challenge in 2020.

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

If you are worried that you might not have money in your bank account for your next savings withdrawal, you can skip a withdrawal (watch how to video by clicking here). 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.

What are QUBER Jars?

There are many different ways to save on QUBER. The Momentum Savings Challenge is one way. Setting up a QUBER jar is a different way. What you save in a QUBER jar will not count towards your Momentum Savings Challenge.

We recommend that you avoid using jars until you have completed our challenge. Our most successful savers focus on one thing at a time. However, if you've already set up a jar and want to pause it, watch this video to learn how.

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 the QUBER app to start the Savings Challenge now!

Quickstart guide - Momentum Savings Challenge

Already downloaded QUBER? Read our QuickStart Guide, to learn all the features available in the Momentum Savings Challenge.

Read our Terms and Conditions
Read our Privacy Policy
Read our Saving is Winning Rules and Regulations


If you’re not quite ready to join yet, sign up for our Savings Challenge emails instead.

For technical support, email QUBER support.
For questions about the Momentum Savings Challenge on the QUBER app, email us.

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