Fold: Bitcoin Personal Finance

3.6
1.71K reviews
100K+
Downloads
Content rating
Everyone
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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
Updated on
Feb 11, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 6 others
This app may collect these data types
Personal info, Financial info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.6
1.67K reviews
Christopher Brian
December 2, 2024
I see a lot of people complaining that rewards have gone down. Earth to sad boys: it's a deflationary technology. Duh the rewards are going to go down. The percentage of reward is denominated in dollars and cents, which is then used to buy sats which are less to the dollar as the price rises. This app is a great way to do a little saving. Quick transfers IME. Excellent customer service. It takes some learning like everything about BTC. I love it and will use it for as long as possible.
9 people found this review helpful
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Christian Hubbs