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Fold: Bitcoin Personal Finance

Fold: Bitcoin Personal Finance

Buy btc and earn daily rewards

2.2K ratings
278 reviews
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • November 18, 2019
  • July 23, 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 2.2K 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
See all reviews
+1

What's New in Fold

200.39.0

July 23, 2026

Bug fixes and improvements.

User reviews

Most RecentHighest RatedLowest Rated

Withdrawal

I have issue with bitcoin withdrawal after they send me email that I can withdraw the bitcoin and I can’t send money to my linked bank account
OsccccatOsccccat

I stopped buying and Started Earning

Best Credit Card Available!!! This credit card made it easy to live on a bitcoin standard. I could sell buy earn and pay my card in bitcoin. The gift cards are the most valuable way I have achieved extra BTC.
EddierichardEddierichard

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.
TtungulTtungul

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
michaelsflowersjrmichaelsflowersjr

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
Stixx338Stixx338
See 273 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.