Fold: Bitcoin Personal Finance

Fold, Inc

About this app

Buy, sell, and send bitcoin**; premium members pay no fees. Pay bills with your account and routing numbers.* Get up to 1.5% back on eligible bills. Earn bitcoin on everyday expenses. Earn extra bitcoin back on rotating card linked offers and popular gift cards.

Take control of your personal finances with Fold: the currency you prefer and the banking features you need.*

BUY, SELL, AND SEND BITCOIN
- Buy, sell, and send bitcoin with no fees.**
- Automate bitcoin buys with round-ups and DCA (auto-stack).
- Get paid in up to 100% bitcoin.*

PAY BILLS
- Pay all your bills with your Fold account and routing numbers.*
- Earn up to 1.5% back on your biggest expenses like mortgage, rent, and credit cards. Conditions apply.

EARN BITCOIN ON EVERY SHOP
- Get started for free with a Fold Visa Prepaid Debit Card, the original bitcoin rewards prepaid debit card. Terms and conditions apply.
- Earn bitcoin back on every eligible purchase.
- Earn extra bitcoin back on exclusive categories and merchants.****

ENJOY BANKING FEATURES
- Direct deposit into your Fold Card account and get paid up to 3 days early. Delays may apply.
- Get paid in up to 100% bitcoin.
- No international or ATM withdrawal fees.****


EARN EXTRA BITCOIN BACK ON CARD LINKED OFFERS
- Earn extra bitcoin back on category and merchant offers.****

EARN BITCOIN BACK ON GIFT CARDS
- Earn extra bitcoin back when you buy popular gift cards on the Fold App.

INSURED CUSTODY
- Your USD may be FDIC Insured.*
- Your bitcoin is BitGo Insured.***



*The Fold Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A.. Inc. Visa is a registered trademark of Visa, U.S.A., Inc. All other trademarks and service marks belong to their respective owners. Fold is a financial services platform and not a FDIC insured bank. The Fold Card is issued by Sutton Bank, Member FDIC. If you have a Fold Card, accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Coverage limit is subject to aggregation of all of the account holder's funds held at Sutton Bank.

**Fees may apply. Bitcoin involves certain risks and may lose value.Fortress Trust provides Bitcoin services. See Terms of Use: https://fortresstrust.com/terms-of-use.

***Insurance Policy covers copying and theft of private keys, insider theft or dishonest acts by BitGo employees or executives, and loss of keys. You can learn more here: https://www.bitgo.com/resources/insurance/.

****Fold+ subscribers pay zero added fees when making ATM withdrawals and when buying bitcoin on Fold; standard network fees might apply.

*****Available to Fold+ subscribers.

For full terms and conditions of our Fold Card and rewards program, see the Terms and Conditions, Fold Visa Prepaid Debit Card Agreement and Spinwheel Official Rules at www.foldapp.com/legal.

Fold App
11201 N Tatum Blvd, Ste 300, #42035, Phoenix AZ, 85028

Ratings and reviews

Funding your debit card with your own money to buy the things you'd already be buying.. and earn Bitcoin? Yes please. The wheel is fun, constant updates. I'm happy to be a Fold user. Edit - still cool to get Bitcoin back on your purchases but the rewards are so down, you have to be a major spender every month if you want to get your money worth from the subscription fee. Seriously, like over $5k per month spending to be worth it. Good while it lasted i guess.

Edit: This app used to be amazing. I mean amazing. They really took care of their customers. Now you get one spin a day for paying $100 per year. They keep nerfing the amount of sats for everything. No more spins for buying gift cards and the amount you get per card has been seriously reduced. Not to mention it takes a full week to deposit. I have referred so many people and sung their praises for about 2 years now. I might just cancel it after all this nonsense. Just a pain now. No gain.

Enjoyed using the app for years. Unfortunately have to rate 1-star until you folks fix this. Card is missing. I can't access my account, I've tried to reset my password with multiple emails addresses, including the one that tells me that I recently changed my password. Customer service claims they can't find my account when I've given you my Fold Card number and have verified recent purchases. Edit: You have asked me for my referral code so this can be escalated. I cannot log-in to access that!

What's new

Good news, everyone!
We squashed some bugs and improved overall app performance.

Happy Stacking,
-The Fold Team