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Fold: Bitcoin Personal Finance

Fold: Bitcoin Personal Finance

Buy btc and earn daily rewards

2.3K ratings
291 reviews
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • November 18, 2019
  • August 26, 2026

Features

Developer

Fold
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Fold: Bitcoin Personal Finance screenshot #1 for iPhone
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Fold: Bitcoin Personal Finance screenshot #5 for iPhone
Fold: Bitcoin Personal Finance screenshot #6 for iPhone
Fold: Bitcoin Personal Finance screenshot #7 for iPhone
Fold: Bitcoin Personal Finance screenshot #8 for iPhone
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About

Manage your dollars and bitcoin seamlessly. Buy, sell, and send bitcoin with no fees for premium members. Earn bitcoin rewards on everyday expenses, bills, and gift cards. Enjoy banking features like early direct deposit and insured custody for both USD and bitcoin.

✓Buy, sell, and send bitcoin
✓Pay bills with account and routing numbers
✓Earn up to 1.5% back on bills
✓Earn bitcoin on everyday purchases
✓Earn bitcoin back on gift cards
✓Early direct deposit
✓FDIC and BitGo insured custody
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What users say

Summarized from real user reviews of Fold. Based on 2.3K reviews and a 4.2/5 average, it highlights the 6 positives and 6 negatives reviewers mention most about this Finance app.

Positive things

  • 💳Great debit card
  • 🎉Fun and exciting rewards system
  • 💰Excellent way to earn Bitcoin
  • 🤝Responsive and helpful customer service
  • 🔒Secure platform
  • 🔁Constantly improving and evolving

Negative things

  • 🕰️Slow ACH deposit processing
  • 🎡Inconsistent or disappointing rewards from spin wheel
  • 🔄Changing reward structure over time
  • 🤔Confusing or unclear policies
  • 🚫Inability to withdraw Bitcoin rewards
  • 🐛App crashes and technical issues
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+1

What's New in Fold

200.43.0

August 26, 2026

Bug fixes and improvements.

User reviews

Most RecentHighest RatedLowest Rated

Great customer service today

Thanks to Jack at Fold for speedy and timely responses to my issue. It’s done! I’ve been with Fold for years and I highly recommend it overall, too.
Wicked RicherWicked Richer

Great App

Have more Sats tomorrow than you do today, Fold makes it easy.
FryifgFryifg

Great app for Bitcoin

Easy to use!
Dbo_sonDbo_son

Best way to earn bitcoin

Fold allows you to
Earn bitcoin back on every single dollar spent. Everything from ACH, swiping, and gift cards fold makes it easy to get a percentage back for every bill you pay. Easiest way to start your Bitcoin stacking journey
Boogs224Boogs224

My #1 savings tool

Makes buying and earning bitcoin easy. The credit card is a game changer.
@wotterdog@wotterdog
See 286 more reviews

User experience

🐞

Reported Bugs

3 issues

App crashes on launch

Bug

Withdrawal transactions failing

Bug

Issues with identity verification

Bug
✨

Requested Features

5 requests

Expand gift card options

Feature

Improve withdrawal process

Feature

Provide more transparency on reward changes

Feature

Offer a metal card option

Feature

Integrate with more payment platforms

Feature

FAQ

What does the Fold app do?

The Fold app allows you to seamlessly manage both traditional currency (dollars) and bitcoin. You can buy, sell, and send bitcoin, pay your bills using provided account and routing numbers, and earn bitcoin rewards on various purchases and expenses.

How can I earn bitcoin with the Fold app?

You can earn bitcoin in several ways: by earning up to 1.5% back on eligible bills like mortgage and rent, by earning bitcoin back on everyday purchases with the Fold Visa Prepaid Debit Card, and by earning extra bitcoin back when purchasing popular gift cards through the app.

Is the Fold app free to use?

The Fold app offers a free tier to get started with a Fold Visa Prepaid Debit Card. Premium membership, known as Fold+, offers additional benefits such as no fees on bitcoin transactions and other perks. This indicates a freemium model.

What are the banking features offered by Fold?

Fold provides banking features including direct deposit into your Fold Card account, allowing you to get paid up to 3 days early. You can also get paid in up to 100% bitcoin, and there are no international or ATM withdrawal fees for Fold+ subscribers.

How is my money and bitcoin protected on Fold?

Your USD funds may be FDIC insured through Sutton Bank, Member FDIC. Your bitcoin is protected through BitGo insurance, which covers risks like private key theft and insider theft. This provides a layer of security for both your traditional currency and cryptocurrency.