Fold: Bitcoin Personal Finance

Fold: Bitcoin Personal Finance

Buy btc and earn daily rewards

2.2K ratings
276 reviews
Free

Details

  • Released
  • Updated
  • November 18, 2019
  • July 13, 2026

Features

Fold: Bitcoin Personal Finance screenshot #1 for iPhone
Fold: Bitcoin Personal Finance screenshot #2 for iPhone
Fold: Bitcoin Personal Finance screenshot #3 for iPhone
Fold: Bitcoin Personal Finance screenshot #4 for iPhone
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.

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

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+1

What's New in Fold

200.38.0

July 13, 2026

Bug fixes and improvements.

User reviews

Great support, always maturing

I get great support thats fast from Fold. Their app is maturing its functionality including offering a credit card sats back reward system.

Great app to earn bitcoin

Fold is an excellent way to stack sats, I highly recommend them and Strike both, strike is a far superior app for sending bitcoin or money, but no earning sats, Fold you can earn free sats for doing every day bill paying

Bad

Has got to be the worst app I’ve ever had to deal with , customer service is garbage, I received a gift card and have not been able to redeem it at all. Forcing me to verify my identity just to redeem a gift card is beyond irritating

Great App, Great Card, Great Rewards

App is fantastic. I’ve had the debit card for years. I just got the credit card. Both are easy to use and it’s wonderful getting bitcoin rewards that will increase in value, rather than dollars or airline miles that decrease in value. Gift cards like Amazon, Lowe’s, and many many more are an added bonus. Customer support is always quick to respond. Couldn’t be happier, and they continue to build and improve.
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Acceptable

The app needs a lot of work to actually replace the functions of a typical mobile app for a bank.

The rewards are nice, but require quite a large transaction fee to send via the Bitcoin network. A cheaper network should be used instead to send the BTC.

The notifications are spammy. Fold is constantly pushing its users to purchase gift cards. Daily notifications, sometimes multiple per day. I understand that is how they make their money, but they need to allow users to configure notifications so that we get notifications about banking transactions, but we can opt out of their spam. I ended up turning notifications off completely.
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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.