Frequently Asked Questions

We only support accounts with Indian banks at the moment. Please check out our list of supported banks and account types.

Yes, users will be able to link their investment accounts as well including Stock Investments, ETFs, Insurance Policies, Mutual Funds, Fixed Deposits, Recurring Deposits in future, as more banks, insurers and brokers integrate with the Account Aggregator framework.

As of @July 4, 2023, Fold only supports tracking bank accounts as detailed here.

However, tracking credit card transactions is one of the most requested features and we are building it.

This will add support for tracking credit card transactions on Fold. We are testing it internally and will be releasing it to the public in the next few weeks.

This feature is not live but will be available on the Fold Web App, when it becomes available in September.

We only support individual savings bank accounts for banks listed here . We will support joint bank accounts and current accounts, once banks start sharing the data with us for these accounts.

Not all banks have enabled sharing of financial information, you can check the list of live banks here . We will support more banks as time progresses, you can see the list of upcoming banks here.

1. To start selecting multiple transactions, swipe right on any transaction.
2. The swiped transaction will be selected and all other transactions will show an empty circle to indicate that they can be selected
3. You can simply tap on the transaction to select it. If you are unsure about the transaction and want to know more, tap and hold to get a preview of the transaction details
4. Once you have selected your desired transactions, swipe up on the bottom sheet
5. The bottom sheet will contain a summary of the count of total transactions selected (max 200 selections allowed) and the sum of their amounts. It also contains the various actions you can take on the transactions at once.
6. Tap on your desired action or choose the “Deselect all” option to exit multi-select mode.

From the home screen, tap on You > Bank accounts > Plus icon top right.

We are a small team at the moment. Our iOS app have head start of few months. Down the line both iOS and Android will have same features, and any features launched on iOS will come to android in few weeks.

Yes, you can use the multi phone number feature to track family members account (with their consent). This feature is live on iOS and should come to Android soon.

You can enable Biometric Lock/Face ID and other security measures implemented by Android/iOS. To lock your app, tap on You tab and turn on Unlock with Face ID/Unlock with Biometric setting.

Once you have created an account on Fold, you cannot change your mobile number. However, we are working on support for connecting accounts linked to different mobile numbers to an single Fold Account.

As of @August 8, 2023, we do not support direct updates to the mobile number. If you need to change it, you'll have to delete your existing Fold account and sign up again using the mobile number linked to your bank accounts. We are currently working on introducing multi-phone number support. This feature will allow you to track bank accounts linked to different mobile numbers.

Fold is free during the beta. But it is not going to be free forever, because if a product isn’t taking money from you for the service it provides, it’s taking something else. And on most occasions you don’t know what that “else” is. Our method is as simple as it gets, we’ll take your money and give you a great product, something that’ll provide 100 folds more value than what you pay. We’ll be able to share more on this as we get out of beta, polish and make Fold pay-worthy.

We regularly post updates on our Twitter page. You can see the latest changelog here.

We have not finalised any subscription plans or pricing for Fold. However, we would like to hear your suggestions, please write to us.

We have not finalised any subscription plans or pricing for Fold. However, we would like to hear your suggestions, please write to us at feedback@fold.money

As of @September 5, 2023, Fold is in Public Beta and is Free to Use. However, we are also planning to add monetary subscription to use Fold, as this can help us offset the costs we incur. But that’s too far in the future until we get out of beta and make Fold so good that someone is willing to pay for the value they get out of it. We have not finalised any subscription plans or pricing for Fold. However, we would like to hear your suggestions, please write to us at feedback@fold.money

We are exploring adding support for payments in future such as UPI and other available options.

We are currently working on this. This will be added in the web app followed by the iOS app.

You can join our Discord community here or directly report the bugs and suggestions by writing to us.

Your data will only be used to provide you with services on the Fold app. We do not sell/or share your data with any third parties, other than as required to provide you services you consent to. You can read more about this in our Privacy Policy.

No, it is not possible for an AA to view Fold’s customer data. Account aggregators are required by RBI to be ‘data blind’, and should be seen as ‘consent managers’.

The account aggregators receive an encrypted copy of your financial information by your financial institution, and cannot view your financial information. Once Fold receives your financial data, only Fold can decrypt and use it for our app. This ensures, that your data is kept secure, and cannot be accessed by the account aggregator.

Yes, tap on You in the navigation bar, then tap on the gear icon to go the Settings and tap on Delete Account to delete of all your data. Note that we will retain certain data which is required to fulfill our legal and contractual obligations. You can read more about this in our Privacy Policy.

Your financial data is synced twice daily (this may change in the future) to keep track of your transactions, therefore, some transactions may appear on the app after the next daily sync.

For example, if you spend INR 100 on Uber at 3 pm, the transaction will be viewable on the app after the next daily refresh. However, some banks share data with a lag of few days. Please see here a list of supported banks and known issues. If your issue is not discussed there, please write to us.

We get the financial information displayed here from your bank, it is possible that your bank is providing us inaccurate/incomplete information. Please see here a list of supported banks and known issues. If your issue is not discussed there, please write to us.

No. We delete all the data so you will have to create a new account again, and will require a fresh invite code to access the app.

When you unlink a bank we delete all data associated with the bank account. However, if you only uninstall the app or clear it’s data from your mobile settings, we will not delete your data. Once you login you should be able to see all your data.