Questions about Fold

Fold is a personal finance app for India that brings your bank accounts, credit cards, UPI spends, mutual funds, stocks, EPF, NPS, loans, credit score and health insurance into one private view. Bank data comes through RBI's Account Aggregator framework, so Fold stays up to date on its own and you stop recording expenses by hand. It is available on iPhone and Android.

Fold is built by Lunchbrake Classic Private Limited, a company in Bengaluru, India, founded in 2019 by the team behind Devfolio. Fold is backed by Rainmatter, Zerodha's fund, and won Google Play's Best Everyday Essential App award in India for 2024. Meet the team.

Fold is one of the highest-rated: it won Google Play's Best Everyday Essential App award in India for 2024 and is rated 4.5 on both the App Store and Google Play (October 2026). Unlike most expense trackers, you never type in expenses and it does not read your SMS: bank accounts sync through RBI's Account Aggregator, and credit card spends show up within seconds.

For most people, yes. Bank transactions, credit card spends, mutual funds, stocks, EPF and NPS come in automatically and are categorised for you, so there is nothing to type in or remember to update. A few things, such as PPF, fixed deposits, property or gold, you add once by hand, and they then count in your net worth with everything else. If you still want a spreadsheet, Fold Plus lets you export your transactions to CSV.

No. Fold (fold.money) is an Indian personal finance app for tracking bank accounts, credit cards and investments. It is not related to the US company Fold that offers bitcoin rewards and a bitcoin debit card, and it does not buy, sell or pay rewards in bitcoin.

No. Fold is a tracker: it reads your accounts, categorises transactions and shows where your money is, but it does not hold your money or replace your bank or UPI app. The one payment you can make in Fold is a credit card bill, paid by UPI through NPCI's Bharat Connect.

Fold is on iPhone (App Store) and Android (Google Play), with home screen widgets on both. Fold Plus members can also see their transactions on the web at fold.money by scanning a QR code from the app. Fold is rated 4.5 on both stores (October 2026).

Yes, if you have Indian bank accounts. Fold is available to Indian bank account holders in India, the US, the UK, the UAE, Singapore, Canada and Denmark. Your accounts still need to be with a bank that supports Account Aggregator.

Yes. Fold links your bank accounts through RBI's Account Aggregator framework: you approve access with an OTP, and Fold never sees your net banking password or reads your SMS. Fold is a certified Financial Information User on the AA network, a SEBI registered Investment Adviser (INA000018072) and a member of Sahamati, and stores data only in AWS data centres in India, encrypted with AES-256. Read our approach to privacy.

No. Fold is read-only: it can see the accounts you have given it access to, but it cannot move your money or make a transaction on its own. The only payments in Fold are bill payments that you start and approve yourself. You can revoke Fold's access at any time.

Yes. You can disconnect any linked bank account, credit card or investment from the app's settings. For bank accounts, you can also revoke the Account Aggregator consent with Finvu or CAMS Finserv at any time.

No, never. Fold makes money from Fold Plus subscriptions, not from selling or sharing your data. How Fold makes money.

You can delete your Fold account at any time from Settings in the app. If you only want to stop tracking something, you can disconnect a specific bank account, credit card or investment instead and keep the rest. Privacy policy.

No. Fold never asks for your bank username, password or PIN. You link accounts through an RBI-regulated Account Aggregator (Finvu or CAMS Finserv) by verifying an OTP and approving a consent request, and you can see or revoke that consent with the Account Aggregator at any time. How Fold connects to your bank.

No. Fold does not read SMS. Bank transactions come through Account Aggregator with your consent, and credit card transactions come from card alert emails in a Gmail account you choose to connect.

Only if you connect Gmail for credit card tracking, and then only the alert and statement emails your card issuer sends. Fold's servers never see the rest of your mail. From each card email Fold keeps the transaction details it needs, such as the amount, merchant and time. How card tracking works.

In AWS data centres in India. Fold encrypts its database with AES-256 at rest and uses TLS for data in transit, and only authorised Fold services can access it. Fold is ISO 27001 certified.

Fold processes your transactions to show you your own finances: automatic categorisation, spending and cash flow, net worth and reminders. What your data is used for and the privacy policy have the details.

Fold is a certified Financial Information User (FIU) in RBI's Account Aggregator ecosystem and follows the technical standards set by ReBIT. It works with two RBI-regulated Account Aggregators, Finvu and CAMS Finserv, is a member of Sahamati, and is a SEBI registered Investment Adviser (registration number INA000018072). Regulatory disclosures.

Account Aggregator (AA) is RBI's framework for sharing your financial data with your consent. An RBI-licensed Account Aggregator fetches data from your bank and passes it, encrypted, to an app you approve, such as Fold. You choose what to share and for how long, and the Account Aggregator itself cannot read the data it carries.

As of October 2026, Fold tracks accounts at 26 Indian banks through Account Aggregator, including SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak, IDFC First, Yes Bank, IndusInd, Federal Bank, PNB, Bank of Baroda, Canara Bank, Union Bank, AU Small Finance Bank and HSBC. More are added as banks go live on Account Aggregator. Full list.

Not yet. Fold supports individual savings accounts and sole proprietor accounts. Joint, corporate and LLP accounts are not available through Account Aggregator, so Fold cannot track them today.

Fold fetches new bank transactions and balances automatically once a day. You can also refresh on demand, 5 times a month on the free plan and 15 times a month on Fold Plus, and Plus members can choose the time of the daily refresh. Credit card transactions are separate and show up within seconds. Refresh details.

Most delays come from the bank's side of Account Aggregator rather than from Fold. Some banks, more often large public sector banks, occasionally stop responding to AA requests, and this usually clears within hours or a few days. The help centre keeps a list of known issues by bank.

Yes. Fold's F1 engine sorts every transaction into one of 38 categories, recognises the merchant, and spots salary, interest, bank charges, subscriptions and transfers between your own accounts, which it leaves out of your spending. You can change any tag and set rules for merchants. How F1 works.

Yes, with Refund Center. Mark a transaction as refundable, such as a shared dinner, rent you paid for flatmates or money you lent, and match the refunds as they come back, even in parts and across accounts and cards. Matched refunds are taken out of your spending, so your monthly numbers stay true. How we built Refund Center.

Yes. UPI payments from a linked bank account appear as bank transactions, with the merchant recognised and categorised. UPI payments made with a RuPay credit card appear in real time through your card alert emails.

Yes, on Fold Plus. You can link up to 5 bank accounts registered to other phone numbers, such as a parent's or spouse's, with an OTP from their phone. If you only want to see a shared total rather than their transactions, use Spaces instead.

Credit cards are not on Account Aggregator yet, so Fold reads the transaction alert and statement emails your card issuer sends to the Gmail account you connect. Transactions appear within seconds of a swipe or a RuPay UPI payment, and statements fill in your limit, due date and outstanding amount. Why we built it this way.

As of October 2026, Fold supports cards from 23 issuers, including HDFC Bank, ICICI Bank, Axis Bank, SBI Card, Kotak, IDFC First, IndusInd, Yes Bank, HSBC, RBL, AU, Federal, Standard Chartered, Scapia, OneCard, Slice, Uni, Jupiter and SBM ZET. American Express cards are supported on Fold Plus. Full list.

Gmail is the direct way: connect it once and Fold picks up card emails on its own. With other email providers you can auto-forward your card alert emails to Fold instead. The free plan supports 1 Gmail account and Fold Plus supports up to 5.

The free plan, Fold Lite, tracks up to 5 open credit cards. Fold Plus tracks up to 30 and adds American Express.

Yes. Fold uses Bharat Connect (formerly BBPS), NPCI's bill payment system, so you can pay credit card bills and other bills such as electricity and water from the app by UPI. A credit card payment is linked to its bill automatically so it does not count as spending, and UPI's ₹1 lakh a day limit applies. Autopay is not available yet. Paying more than ₹1 lakh.

Yes. Fold imports all your mutual funds through MFCentral (CAMS and KFintech) after an OTP, wherever you bought them. It shows invested and current value, XIRR, how your portfolio compares with the Nifty 50, and your best and worst performers. Holdings refresh every 14 days on the free plan and every 5 days on Plus. Mutual fund insights.

Yes. Fold reads your demat holdings from CDSL and NSDL through Account Aggregator, so it works with any broker, including Zerodha, Groww, Upstox and Dhan. It shows your holdings and quantities. Profit and loss and cost basis for stocks are not available yet.

Yes. Link your EPFO member passbook with your UAN and Fold shows your balance across employers, yearly passbooks, and each monthly contribution split into employee share, employer share and pension. It refreshes every 45 days on the free plan and weekly on Fold Plus.

Yes, for individual NPS accounts, through the central record-keeping agencies Protean and KFintech. Government and corporate NPS accounts are not supported yet, and new contributions usually appear 3 to 7 days after you invest.

Yes, though you add them yourself for now. Fold keeps your PPF balance and contribution history and your fixed deposits, and counts both in your net worth. Automatic fixed deposit sync through Account Aggregator is in development.

Fold adds up your bank balances, cash, fixed deposits, mutual funds, stocks, EPF, NPS, PPF and anything you add yourself, then subtracts credit card dues and loans. Loans come from your credit report, and you choose which ones count. A history graph shows how the total changes over time.

Yes, with custom entries. Add gold, Sovereign Gold Bonds, property, vehicles, a business stake, crypto, collectables or anything else Fold cannot sync yet, along with liabilities like a personal loan, each with a value, your ownership share, notes and documents. You choose whether each entry counts in your net worth, and Fold keeps a history of its value as you update it.

As of October 2026, Fold does not automatically sync US stocks or RSUs, Sovereign Gold Bonds, bonds, REITs, PMS, ULIPs or crypto. You can add any of these as a custom entry so they still count in your net worth. Supported investment types.

Yes. Your Equifax credit score is free for everyone and refreshes every month on the 15th. Fold Plus adds your full CIBIL report, with inquiry history, payment history and a PDF download, and up to 5 on-demand CIBIL refreshes a year.

No. Checking your own score on Fold is a soft inquiry. It is not a loan application and does not affect your credit score. More on soft pulls.

Every CIBIL report Fold fetches costs Fold money, so it is part of the paid plan. Many apps give CIBIL away free and make it back by chasing you with loan offers. Fold does not: you will never get spam or loan calls from Fold. Your Equifax score stays free for everyone.

Yes. Fold reads your active loans from your credit report (Equifax, or CIBIL on Fold Plus) and shows what you owe on the Cards tab and in your net worth. You choose which loans count towards net worth.

Yes. Forward your policy email or upload the policy PDF, and Fold pulls out the sum insured, coverage, exclusions, waiting periods, room rent limits, premium and renewal date into one readable page. You can add the premium to your recurring payments so a renewal is not missed. Why we built it.

As of October 2026, Fold supports health policies from Digit, HDFC ERGO, Niva Bupa, Star Health, Care Health and Acko. For each insurer it shows how to claim, contact details, network hospitals and claim statistics from IRDAI data. Term and vehicle insurance are not supported yet. Supported insurers.

No. Fold reads and explains the policy you already have. If you want a second opinion on it, Fold can connect you with an adviser at Ditto, an insurance advisory that partners with Fold.

Yes, with Spaces. A Space is a shared view for a couple or family that shows one combined total, a breakdown by type, the change since last month and who contributes what. Each person picks what to share, and the total updates every day. One number for the whole family.

Only totals. For bank accounts they see the balance of the accounts you pick; for mutual funds and stocks, the total portfolio value; for loans, the amount owed; for fixed deposits, the maturity amount. Your transactions and individual holdings are never shared. About Spaces.

Up to 3 people (you and 2 others) on the free plan, and up to 8 on Fold Plus. Everyone needs their own Fold account, and you invite them by phone number.

Yes. Fold detects recurring payments such as subscriptions, rent, EMIs and utility bills from your transactions and shows them on one calendar as paid, upcoming or overdue, with optional reminders before each due date. You can pause or stop one without losing its history. Setting up recurring expenses.

Augmented balance is your bank balance minus what you already owe: credit card outstanding and, if you turn it on, upcoming recurring dues. It shows how much is actually free to spend. Turn it on from the Total Balance widget's settings in the app.

Yes. Type something like "Swiggy this month" or "about 500" and Fold finds the matching bank and card transactions, with totals for the period. You can also search notes (emoji included), tags and the exact narration from your bank statement. Search tips.

Yes. Transaction groups collect related spends across bank accounts and credit cards, such as a trip or a home renovation, and show the total and a category breakdown. Groups can be pinned, renamed, archived and exported as a CSV. Managing groups.

Yes. Tap a bank account on Home and choose Download Statement to get a PDF for the period you pick, with this and last financial year as one-tap options, without logging into net banking. How to download a statement.

Yes. Fold Plus members can use Fold on a computer at fold.money by scanning a QR code from the app, to browse and filter transactions, export them to CSV and download bank statements.

Yes, on iPhone and Android. Widgets show your total balance, spending today, this week and this month, credit card dues and upcoming bills, and iPhone also has lock screen widgets. You can hide the balance with a tap.

Yes. Fold Lite is free and covers bank accounts, up to 5 credit cards, mutual funds, stocks, EPF, NPS, net worth, Spaces for 3 people and a free Equifax credit score. Fold Plus is the paid plan, for more cards and refreshes, the CIBIL report, Radar AI and the web app.

As of October 2026, Fold Plus costs ₹999 a year, ₹799 a quarter or ₹349 a month on the App Store. A lifetime plan, Fold Believer, costs ₹24,999 once. New users get 7 days of Fold Plus free when they sign up.

Fold Plus raises the limits and adds a few features: 15 on-demand bank refreshes a month instead of 5, up to 30 credit cards plus American Express, 5 Gmail accounts, bank accounts on 5 other phone numbers, faster mutual fund and EPF refreshes, the CIBIL report, Radar AI chat, the web app with export, and Spaces for 8 people. The yearly plan also includes Fold MCP.

You can cancel at any time from your App Store or Google Play subscriptions, and Fold Plus stays active until the end of the period you paid for. Monthly and quarterly plans are not refundable. On the yearly plan, if your linked account data is unavailable for more than 10 consecutive days because of a problem on Fold's side, you can get a refund for the rest of your subscription. Fold Believer can be refunded for any reason within 15 days. For App Store and Google Play purchases, request refunds through the store. Subscription terms.

Yes. Write to [email protected] and the team will share the family plan options. For a free way to see your household's money together, use Spaces.

Yes. Students get a discount on Fold Plus. Email a valid student ID to [email protected] to get it.

Mostly from subscriptions. Fold Lite is free, and people who want more pay for Fold Plus. Fold also earns from a few partners shown in the app, such as Ditto for insurance advice and credit card recommendations from ZET. The price of free software.

Not yet. Fold shows your spending by category and merchant for the day, week and month, a cash flow view of money in, out and invested, and a calendar of recurring bills and subscriptions. Budgeting is on Fold's roadmap.

Email [email protected]. Setup and troubleshooting guides are in the help centre.

Yes. Fold is on Reddit (r/foldmoney), Instagram, X and LinkedIn, where the team shares updates and answers questions.

Fold is rated 4.5 on both the App Store and Google Play (October 2026), where you can read reviews. The Wall of love collects what users have written about Fold, and people discuss it openly on r/foldmoney.

Yes. Join Fold's Discord to talk to the team and other users, share feedback and follow what is being built.

Yes. Radar, on Fold Plus, is a chat that answers questions about your own money with charts, such as whether your spending is rising faster than your income. You pick its tone: professional, friendly or no filter. Radar is in beta.

Yes, with Fold MCP. Connect Fold to ChatGPT, Claude, Cursor or Codex, sign in with your phone number and OTP, and ask about your accounts, spending, investments, net worth and credit score in the assistant you already use. Fold MCP is included with the Fold Plus yearly plan and Fold Believer. Set up Fold MCP.