Frequently Asked Questions
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Frequently Asked Questions

1. Installing Fold & Basic

How do I sign up for the waitlist for Fold?

To sign up for the waitlist. Follow the steps below:

  1. Download Fold from here.
  2. Sign up by entering your mobile number, name, and email ID.
  3. Tap on the ‘Don’t Have An Invite?’ button.
  4. Voila! You're now officially on the waitlist!
  5. Keep an eye on your email for the invite code. We are gradually sending the invites every week.
Add your number
Add your number

Tell us your Name
Tell us your Name
Tap on ‘Don’t Have an Invite’
Tap on ‘Don’t Have an Invite’
You’re on the Waitlist!
You’re on the Waitlist!
How are you connecting to my bank account and accessing my banking data?
We have partnered with RBI-regulated Account Aggregator, Finvu to access to your financial data.
Account aggregators are RBI-regulated companies that have been permitted to allow users to share their financial information in a secure and easy manner. This can include bank accounts, credit card accounts, investment accounts, and more.
Unlike some other apps, we do not scrape your messages or emails, to access your transactions. We rely on account aggregators, which only shares your financial information with us, after you give your consent. You can always revoke your consent, and also delete your data from Fold at any time.
Apart from Bank Accounts AA also allows sharing of data from other financial institutions, like insurance companies and mutual fund providers. This means every aspect of your financial life can be seen, tracked and used to make better financial decisions from a single app, Fold. Insurance and Mutual Funds will soon be available for connection on Fold, currently they are a work in progress.
We are very excited about the future of AA and all the new features that it will allow us to bring to you. You can read more about AA here.
Are all bank accounts supported? I am unable to connect my bank account.
These banks are supported and are live on Fold. If your bank is not covered in this list, you will not be able to use Fold. You can check here for list of upcoming banks. Your bank may not have integrated with Account Aggregator, or their integration has performance issues.
Therefore, even though a bank may be live on Account Aggregator, there may be bugs and issues with its performance. We test each bank before enabling it on Fold so you have a smooth experience.
We only support individual savings bank accounts. We will support other types such as joint and current accounts, once banks start supporting them.
Can I download Fold as an NRI? If yes, from which regions?
Fold can be downloaded from the following countries:
iOS → India, USA, UK, UAE, Singapore, Canada, Denmark
Android → India, USA, UK, UAE, Singapore, Spain, Canada Note Fold only support Indian bank accounts and requires an Indian mobile number to create an account.

2. Supported Banks & Data Sources

I can’t see my joint account while discovering bank accounts.
We only support individual savings bank accounts. We will support other types such as joint and current accounts, once banks start supporting them.
Does Fold only supports Indian banks or any other foreign banks as well?
We only support accounts with Indian banks at the moment. Please check out our list of supported banks and account types.
Fold has plans to add different types of investment tracking? Like Mutual Funds, Fixed Deposits, Recurring Deposits etc.
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.
Does Fold support tracking credit card transactions? Can I connect my credit cards on Fold?
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.
Do Fold support export of financial data from Fold in a Excel, PDF or CSV?
This feature is not live but will be available on the Fold Web App, when it becomes available in September.
My bank account is not supported by Fold? When will Fold add support for my bank?
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.

3. Features

How do we tag and perform bulk actions on multiple transactions at once?
  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.
How do I link more bank accounts?
From the home screen, tap on You > Bank accounts > Plus icon top right.
Why are some features missing from Android whereas it's available on iOS and Web and vice versa?
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.
Can I add my family members accounts and track them?
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.
Can I add the Lock to the Fold app and keep it safe from others access?
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.
Can I change the mobile number linked to my Fold account? My bank accounts are connected to a different mobile number? Can I link accounts linked with other mobile numbers?
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.
Do Fold support any integrations with other 3rd party apps like Splitwise etc?
We have not added support for integrating any other 3rd party apps. If you have any suggestions, please write to us.
Do Fold support importing existing financial data (CSV, PDF files)?
We have not added support for integrating any other existing sources of data. If you have any suggestions, please write to us.

4. Miscellaneous

Is Fold a free app? Is it going to free forever?
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.
Where can I follow Fold updates & App release notes?
We regularly post updates on our Twitter page. You can see the latest changelog here.
Is there any public roadmap available to check and vote?
We have not finalised any subscription plans or pricing for Fold. However, we would like to hear your suggestions, please write to us.
Is there any roadmap on Family and student discount plans?
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
Will I need to pay for platform wise or one payment to access my Fold account on all platforms (iOS, Android and Web)
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
Any Payment features are planned to directly add in Fold itself? (Ex: UPI, Wallet)?
We are exploring adding support for payments in future such as UPI and other available options.
Can I export all my data from Fold in a Excel, CSV or other formats?
We are currently working on this. This will be added in the web app followed by the iOS app.
Where do I report bugs & feedback?
You can join our Discord community here or directly report the bugs and suggestions by writing to us.

5. Privacy & Deleting the Account

What is my data used for? How long do you store my data?
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.
Can the Account Aggregator view my data? How is my data kept secure?
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.
Can I delete all my data?
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.
Why does my balance/transactions do not match with my bank app?
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.
Why are some of my transactions missing?
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.
Can I delete my Fold account or reset all my data and start fresh again with the same Fold account/number?
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.
Do I lose all my data if I unlink the bank or uninstall/reset 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.

6. Related Pages

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Known issues with Banks
Upcoming Features
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If you encounter any bugs or issues that are not covered here, you can write to us at help@fold.money.