Don't Trust, Verify
Now on Desktop

Personal
finance
powered by
bitcoin

Earn bitcoin on every purchase. Buy bitcoin with zero fees. Stack sats with gift cards, roundups, and the daily spin wheel.

$1B+

Bitcoin rewards distributed

500K+

Active stackers

0

Fees to buy bitcoin

5%+

Max gift card boost

Bitcoin has increased over 1,000% in 5 years.

Bitcoin is the best performing asset of the decade. It's time to ditch the points and miles and start building wealth.

Price of bitcoin according to market cap and price over time. Investing and purchasing bitcoin involves risk; it may lose value.
Bitcoin 3D wave

Get paid up to 3 days early

Split your paycheck between cash and bitcoin.

Buy bitcoin with zero fees

Activate instant buys, recurring buys and round ups. Send to any wallet for free.

Pay bills, get rewards

Pay off your mortgage, credit card, and other bills. Get rewards on eligible payments.

Earn rewards on everything

Earn rewards for swiping your Fold Card, paying your bills and shopping at your favorite merchants.

5,000 sats
17,230 sats
560 sats
Fold Visa Cards

Pull out cash from ATMs

Pull out physical cash at any ATM with no added fees.

Rest easy with insured custody

Your USD may be FDIC Insured* and your bitcoin is BitGo Insured.**

See what our
users have to say

Real stackers, real sats, real stories.

"I earn sats passively using the . When 1 sat=$1 this will have been the best thing I ever promoted to my friends."
Chris Love
Chris Love
@ChrisLoveHere
"To wrap up, if you made it this far, thanks for reading. I've had a fantastic experience using Fold so far. I've really loved being able to keep 100% of my money in Bitcoin; they've made it practical. It may not be for everyone, but I'm happy to answer any additional questions"
HFSP.eth | ₿itcoin Only
HFSP.eth | ₿itcoin Only
@elliot_BTC
"Went to earlier this morning for some garden things. I was like, “wait, is there a . Home Depot gift card?!” Yes. Yes there is. Earn DAILY."
Kale
Kale
@ohkaaaleno11
"Fold has become the best place to buy Bitcoin. You can also earn sats on each purchase. Not to mention all the new gift card merchants they’ve added. Definitely worth checking out if you like stacking."
MrPappagiorgio⚡️
MrPappagiorgio⚡️
@MrPappagorgio02
"WAKE UP // STACK SPIN FOLD // STACK BREAKFAST // STACK SMASH BUY // STACK LUNCHTIME // STACK LUMP SUM // STACK AUTO // STACK PASS OUT // STACK"
SATYOSHI ⚡️ NAKAMARIO
SATYOSHI ⚡️ NAKAMARIO
@satyoshiHODL
"⁦⁩ I’ve got auto stack and round ups turned on!!! Stacking sats everyday… Get your fold app and card today!!"
MartyG
MartyG
@iwonmarty24
"Not surprising! is the greatest personal budgeting and financial tool I have ever had. Using for years and all rewards have gone to my retirement…and are not an insignificant contribution."
Drought 🟧
Drought 🟧
@sunnycan
"Come earn sats the easy way, buy bitcoin with the best spread, push your bitcoin to your card for purchases and earn spins for more sats doing all of that!!"
Jbear is debt free!
Jbear is debt free!
@jonlee88
"Roundups working as intended. Just checked and I have 58,306 sats that I had no idea about from using regularly."
Tatum Turn Up - Mining is centralized
Tatum Turn Up - Mining is centralized
@tatumturnup
"Fold is knocking it out of the park lately. The new app looks great and the credit card and gift card bonuses are incredible for adoption! I've almost fully replaced my legacy bank account, the only thing that's left is 'push' or outbound ACH transfers..."
Andy Moyle
Andy Moyle
Andy Moyle
"I have been using Fold since they started. I have the premium card. I love it. I use gift cards for everything. Have over 8,000,000 sats in rewards."
Rick Taylor
Rick Taylor
Rick Taylor
"An easy and fast way to stack sats. Pays more than the bank does for sure. In interest."
Derpstick76
Derpstick76
@Derpstick76
"I have been a loyal Fold Card user for years. I recently had a mixup with a gift card purchase. The Fold support team responded quickly and decisively to help me resolve my issue. Highly recommend this card and this team!"
Anon-2026
Anon-2026
@Anon-2026
"I earn sats passively using the . When 1 sat=$1 this will have been the best thing I ever promoted to my friends."
Chris Love
Chris Love
@ChrisLoveHere
"To wrap up, if you made it this far, thanks for reading. I've had a fantastic experience using Fold so far. I've really loved being able to keep 100% of my money in Bitcoin; they've made it practical. It may not be for everyone, but I'm happy to answer any additional questions"
HFSP.eth | ₿itcoin Only
HFSP.eth | ₿itcoin Only
@elliot_BTC
"Went to earlier this morning for some garden things. I was like, “wait, is there a . Home Depot gift card?!” Yes. Yes there is. Earn DAILY."
Kale
Kale
@ohkaaaleno11
"Fold has become the best place to buy Bitcoin. You can also earn sats on each purchase. Not to mention all the new gift card merchants they’ve added. Definitely worth checking out if you like stacking."
MrPappagiorgio⚡️
MrPappagiorgio⚡️
@MrPappagorgio02
"WAKE UP // STACK SPIN FOLD // STACK BREAKFAST // STACK SMASH BUY // STACK LUNCHTIME // STACK LUMP SUM // STACK AUTO // STACK PASS OUT // STACK"
SATYOSHI ⚡️ NAKAMARIO
SATYOSHI ⚡️ NAKAMARIO
@satyoshiHODL
"⁦⁩ I’ve got auto stack and round ups turned on!!! Stacking sats everyday… Get your fold app and card today!!"
MartyG
MartyG
@iwonmarty24
"Not surprising! is the greatest personal budgeting and financial tool I have ever had. Using for years and all rewards have gone to my retirement…and are not an insignificant contribution."
Drought 🟧
Drought 🟧
@sunnycan
"Come earn sats the easy way, buy bitcoin with the best spread, push your bitcoin to your card for purchases and earn spins for more sats doing all of that!!"
Jbear is debt free!
Jbear is debt free!
@jonlee88
"Roundups working as intended. Just checked and I have 58,306 sats that I had no idea about from using regularly."
Tatum Turn Up - Mining is centralized
Tatum Turn Up - Mining is centralized
@tatumturnup
"Fold is knocking it out of the park lately. The new app looks great and the credit card and gift card bonuses are incredible for adoption! I've almost fully replaced my legacy bank account, the only thing that's left is 'push' or outbound ACH transfers..."
Andy Moyle
Andy Moyle
Andy Moyle
"I have been using Fold since they started. I have the premium card. I love it. I use gift cards for everything. Have over 8,000,000 sats in rewards."
Rick Taylor
Rick Taylor
Rick Taylor
"An easy and fast way to stack sats. Pays more than the bank does for sure. In interest."
Derpstick76
Derpstick76
@Derpstick76
"I have been a loyal Fold Card user for years. I recently had a mixup with a gift card purchase. The Fold support team responded quickly and decisively to help me resolve my issue. Highly recommend this card and this team!"
Anon-2026
Anon-2026
@Anon-2026
"Been a member since the beginning. Customer service is great along with ease of use. Best way to stack sats when you're already spending money on things."
Mikey zig zag
Mikey zig zag
Mikey zig zag
"Love the facelift! I find it much easier to navigate now. Chart is sweet too! Gift cards look awesome. Cant wait for credit card..."
JMJ Lights
JMJ Lights
JMJ Lights
"Great as a main bank account. Makes it easy to buy sats and earn them as a percentage back on all purchases, transfers, and gift cards. I love this app. They've been consistently good, stable app, fast and effective help. I'm looking forward to them coming out with a credit card and a savings account with interest paid in bitcoin. I also love that I can buy shares of Fold and that they have Bitcoin in the corporate treasury. Seems like a no-brainer."
arnicol
arnicol
@arnicol
"Fold makes stacking easy. I like being able to earn a pile of sats when paying for expensive car repairs or when buying gift cards I was going to purchase anyway."
Uchtdorf
Uchtdorf
@Uchtdorf
"Great way to stack Bitcoin and get sats back on the fiat transactions you had to make anyway! For nearly 3 years I have been a loyal user. Have needed support a few times, and the emailers at the other end have always been prompt, courteous and helpful. Like how you can buy Bitcoin during the dips in mere seconds."
ChrisDremann
ChrisDremann
@ChrisDremann
"A user since day one. This app has improved leaps and bounds, even with major updates and new features, had almost zero downtime. The best bitcoin neo-bank / fiat interface. I use it every day."
boolean2k
boolean2k
@boolean2k
"Just paid for snacks at AMC with Fold and got 5% back! Very cool"
Matt Luongo
Matt Luongo
Matt Luongo
"The support team handled my issues very well with prompt response. I am able to continue using [Fold], taking advantage of all the benefits it provides, and on top of that the support I received was an extra bonus."
iphoneusrNY
iphoneusrNY
@iphoneusrNY
"Very nice the new app. Much simpler to see my info. Feels less busy... and thank you for finally adding search"
Vint__age
Vint__age
@Vint__age
"Initially, I was skeptical about the app. However, a mantra I recently adopted was 'Don't Trust, Verify...' I started with a low amount to 'pay myself', fund my account and tinker with the options available. Over time I started depositing more and more money to pay myself and get Satoshis as a reward. I'll continue to increase my deposits, pay more bills and spend at the vendors they work with for even more rewards. Give it a try."
Big
Big "Book" Werm
Big "Book" Werm
"Honestly pretty dope for just general banking in general. Continue to build out a pretty solid system with added features pretty often. I submitted a critique that they should add push requests for sending money to another bank, next time I try I find out that's been added? ...feels cool to see the developers continue to add functionality."
D H
D H
@DH
"Been using their card and app for a few months now. Everything works great. Like how it is a debit card instead of a credit card. Using gift card purchases on places I buy from anyway to increase Satoshi rewards further in addition to regular purchases. Daily wheel is also a nice fun perk. Needed customer support a few times and always had a quick friendly response that solved any issue."
Jolly1575
Jolly1575
@Jolly1575
"Been a member since the beginning. Customer service is great along with ease of use. Best way to stack sats when you're already spending money on things."
Mikey zig zag
Mikey zig zag
Mikey zig zag
"Love the facelift! I find it much easier to navigate now. Chart is sweet too! Gift cards look awesome. Cant wait for credit card..."
JMJ Lights
JMJ Lights
JMJ Lights
"Great as a main bank account. Makes it easy to buy sats and earn them as a percentage back on all purchases, transfers, and gift cards. I love this app. They've been consistently good, stable app, fast and effective help. I'm looking forward to them coming out with a credit card and a savings account with interest paid in bitcoin. I also love that I can buy shares of Fold and that they have Bitcoin in the corporate treasury. Seems like a no-brainer."
arnicol
arnicol
@arnicol
"Fold makes stacking easy. I like being able to earn a pile of sats when paying for expensive car repairs or when buying gift cards I was going to purchase anyway."
Uchtdorf
Uchtdorf
@Uchtdorf
"Great way to stack Bitcoin and get sats back on the fiat transactions you had to make anyway! For nearly 3 years I have been a loyal user. Have needed support a few times, and the emailers at the other end have always been prompt, courteous and helpful. Like how you can buy Bitcoin during the dips in mere seconds."
ChrisDremann
ChrisDremann
@ChrisDremann
"A user since day one. This app has improved leaps and bounds, even with major updates and new features, had almost zero downtime. The best bitcoin neo-bank / fiat interface. I use it every day."
boolean2k
boolean2k
@boolean2k
"Just paid for snacks at AMC with Fold and got 5% back! Very cool"
Matt Luongo
Matt Luongo
Matt Luongo
"The support team handled my issues very well with prompt response. I am able to continue using [Fold], taking advantage of all the benefits it provides, and on top of that the support I received was an extra bonus."
iphoneusrNY
iphoneusrNY
@iphoneusrNY
"Very nice the new app. Much simpler to see my info. Feels less busy... and thank you for finally adding search"
Vint__age
Vint__age
@Vint__age
"Initially, I was skeptical about the app. However, a mantra I recently adopted was 'Don't Trust, Verify...' I started with a low amount to 'pay myself', fund my account and tinker with the options available. Over time I started depositing more and more money to pay myself and get Satoshis as a reward. I'll continue to increase my deposits, pay more bills and spend at the vendors they work with for even more rewards. Give it a try."
Big
Big "Book" Werm
Big "Book" Werm
"Honestly pretty dope for just general banking in general. Continue to build out a pretty solid system with added features pretty often. I submitted a critique that they should add push requests for sending money to another bank, next time I try I find out that's been added? ...feels cool to see the developers continue to add functionality."
D H
D H
@DH
"Been using their card and app for a few months now. Everything works great. Like how it is a debit card instead of a credit card. Using gift card purchases on places I buy from anyway to increase Satoshi rewards further in addition to regular purchases. Daily wheel is also a nice fun perk. Needed customer support a few times and always had a quick friendly response that solved any issue."
Jolly1575
Jolly1575
@Jolly1575

Ready to start
stacking sats?

Join 500,000+ Bitcoiners who trust Fold to earn bitcoin on every purchase.