# Fold: Bitcoin Personal Finance β€” Buy btc and earn daily rewards > Personal finance app for managing dollars and bitcoin with rewards. (iPhone/iPad app by Fold.) - Source: https://appshunter.io/ios/app/fold-bitcoin-personal-finance/id1480424785 (this page in markdown: same URL + `.md`) - Developer: [Fold](https://appshunter.io/developer/1480424784) - Category: Finance, Shopping - Price: Free - Rating: 4.20/5 from 2,268 App Store ratings Β· 291 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 Β· 125 MB - Languages: American English - Released: 2019-11-18 - Data updated: 2026-08-29 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/fold-bitcoin-personal-finance/id1480424785/reviews.md ## What is Fold? Fold is the solution for seamlessly managing both bitcoin and dollars.*** 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 ## Key features - 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 ## What do users think of Fold? Overall sentiment: positive **Pros** - πŸ’³ Great debit card - πŸŽ‰ Fun and exciting rewards system - πŸ’° Excellent way to earn Bitcoin - 🀝 Responsive and helpful customer service - πŸ”’ Secure platform - πŸ” Constantly improving and evolving **Cons** - πŸ•°οΈ Slow ACH deposit processing - 🎑 Inconsistent or disappointing rewards from spin wheel - πŸ”„ Changing reward structure over time - πŸ€” Confusing or unclear policies - 🚫 Inability to withdraw Bitcoin rewards - πŸ› App crashes and technical issues **Commonly reported bugs** - App crashes on launch - Withdrawal transactions failing - Issues with identity verification **Most requested features** - Expand gift card options - Improve withdrawal process - Provide more transparency on reward changes - Offer a metal card option - Integrate with more payment platforms ## Recent user reviews (10 of 291) All indexed reviews: https://appshunter.io/ios/app/fold-bitcoin-personal-finance/id1480424785/reviews.md ### 5/5 β€” Great customer service today *2026-08-18, version 200.41.0* 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. ### 5/5 β€” Great App *2026-08-15, version 200.41.0* Have more Sats tomorrow than you do today, Fold makes it easy. ### 5/5 β€” Great app for Bitcoin *2026-08-15, version 200.41.0* Easy to use! ### 5/5 β€” Best way to earn bitcoin *2026-08-13, version 200.40.0* 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 ### 5/5 β€” My 1 savings tool *2026-08-13, version 200.40.0* Makes buying and earning bitcoin easy. The credit card is a game changer. ### 4/5 β€” Easy to use. Pay everything. *2026-08-12, version 200.40.0* This card is so easy to use. Accepted anywhere & you get more rewards per spend than any other card out there! I just wish I could earn some kind of interest on my cash balance. Will continue to use the debit/credit cards for the foreseeable future! ### 5/5 β€” The premier app for stacking Bitcoin everyday! *2026-08-12, version 200.40.0* I’ve been a Fold customer for over 6 years. This is the best app for stacking Bitcoin passively with every purchase by using either their debit card or credit card. The customer service is also top notch. Highly recommended for Bitcoiners and those looking into starting their Bitcoin journey. ### 5/5 β€” The best Debit card and now Credit card too!! *2026-08-12, version 200.40.0* I am a long time Fold user and appreciate being able to earn sats for my purchases. When you maximize the use of the gift card feature, the sats really stack up fast!! I mostly use the Credit card now except when buying gift cards. Support has also always been prompt and helpful. Thanks to the Fold team!! ### 5/5 β€” Fold is the best financial app for bitcoiners *2026-08-12, version 200.40.0* Fold is my favorite app and I can’t believe how much free bitcoin you can earn!!! Bitcoin is the money of the future. Fold uses today’s payment rails to connect Bitcoin to today’s financial system. Allowing you to pay, earn, and save in bitcoin or cash. ### 5/5 β€” Bitcoin only finance app *2026-08-12, version 200.40.0* I have been using fold for a few years, and the core focus of making sure we as users have more ways to safely stack sats is top notch. Fold does this, while also making the UI cleaner and more informative, making the experience more of an all in one finance experience, in addition to meeting all my Bitcoin needs. Highly recommend ## Frequently asked questions about Fold ### 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. ## Version history (last 5 releases) ### 200.43.0 β€” 2026-08-26 Bug fixes and improvements. ### 200.42.0 β€” 2026-08-20 Bug fixes and improvements. ### 200.41.0 β€” 2026-08-13 Bug fixes and improvements. ### 200.40.0 β€” 2026-08-05 Bug fixes and improvements. ### 200.39.0 β€” 2026-07-23 Bug fixes and improvements. ## Apps similar to Fold | App | Rating | Price | Category | | --- | --- | --- | --- | | [Crypto.com: Trade Every Market](https://appshunter.io/ios/app/cryptocom-trade-every-market/id1262148500) | 4.7 (333,227) | Free | Finance | | [Bitcoin Mining: Crypto Miner](https://appshunter.io/ios/app/bitcoin-mining-crypto-miner/id6468313323) | 4.6 (14,280) | Free | Finance | | [Bitcoin.com: Crypto Wallet](https://appshunter.io/ios/app/bitcoincom-crypto-wallet/id1252903728) | 4.7 (44,870) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [Coinbase: Buy Crypto & Stocks](https://appshunter.io/ios/app/coinbase-buy-crypto-and-stocks/id886427730) | 4.7 (1,796,717) | Free | Finance | | [Cash App](https://appshunter.io/ios/app/cash-app/id711923939) | 4.8 (8,634,711) | Free | Finance | ## Related topics [fold](https://appshunter.io/ios/topics/fold) Β· [nunchuk bitcoin wallet](https://appshunter.io/ios/topics/nunchuk-bitcoin-wallet) Β· [cyptobill](https://appshunter.io/ios/topics/cyptobill) Β· [bitcoin to easypaisa](https://appshunter.io/ios/topics/bitcoin-to-easypaisa) Β· [pura vida bitcoin](https://appshunter.io/ios/topics/pura-vida-bitcoin) Β· [bitcoin cash register](https://appshunter.io/ios/topics/bitcoin-cash-register) Β· [storm bitcoin app](https://appshunter.io/ios/topics/storm-bitcoin-app) Β· [easybitcoin](https://appshunter.io/ios/topics/easybitcoin) Β· [river bitcoin app](https://appshunter.io/ios/topics/river-bitcoin-app) Β· [bitbyteconverter](https://appshunter.io/ios/topics/bitbyteconverter) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*