Frequently Asked Questions

We will be introducing paid subscription plans for additional features in the future.

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

As of @February 20, 2024 users can link their demat accounts and credit cards in addition to their bank accounts. With future updates users will be able to link their Insurance Policies, Mutual Funds, Fixed Deposits, Recurring Deposits on Fold.

We have added support for tracking credit card transactions. You can enable it by going to You → Settings → Beta Playground → Turn on ‘Credit Card Testing’. Please note that we only support the following credit cards.

You can download and export your data via the Fold’s Web app. We support CSV at the moment and will be adding PDF/Excel support soon. Check it out at https://view.money/login

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 > Tap on Bank accounts/Credit Cards/ Investment 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).

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. To update your email go to You → Settings → Your Details → Tap on Icon next to your email to update it.

• Works best with iOS 17 or Android 10 and up.
• EMI transactions are not supported as there are no emails sent for these transactions.
• Refund/Reversal transactions are not yet supported.
• Multi-cards (two cards sharing the same credit limit & single monthly statement) are not supported; therefore, they cannot be onboarded. We currently support only one (the primary) card, which means we will sync transactions for the primary card only and update the spent amount accordingly.
• UPI transactions are only supported for HDFC Bank cards as of now. If your card is a Rupay card, it should work as expected for non-UPI transactions, as long as it’s not an add-on card.
• If your credit card provider does not send transaction alert emails or emails containing your statement PDFs, we cannot detect them.
• We use transaction alert emails for real-time transaction tracking. The email must not be deleted until the transaction appears in the Fold app.
• Transaction emails that are manually forwarded from one account to the target account will not be detected. They must come directly from the bank, or Gmail auto-forwarding needs to be set up.
• As of now, only Gmail is supported for real-time transaction tracking. We will be adding support for more email providers in the future.
• During onboarding, you can add only one credit card at a time. Attempting to add multiple credit cards simultaneously may fail.
• iOS widget is empty. This is an OS level issue and not something we can fix from our end. Try the following steps to fix the issue:
• Check that you are using the latest iOS version.
• Check that you are using the latest Fold version.
• Quit the Fold app via the app switcher, and then relaunch the app.
• As a last resort, Remove the widgets, Reboot the device. Now add the widgets back.

Upcoming features

• Manual forwarding setup.
• Support for add-ons card.
• UPI transaction support for Axis, SBI, and ICICI Bank.
• Support for IDFC, Federal, Kotak credit cards and more variants.

• You may have bought Mutual Funds but not any stocks yet.
• Your demat account may be a joint account or belongs to a HUF.
• If you recently set up your account with your broker, it can take upto a week for your account to be supported.
• Connection couldn't be established due to technical issues. Please try again in such cases.

• The execution will take place on the same day, Monday.
• The settlement will occur on T+1 basis, here T refers to Monday, on which transaction was done. Therefore, T+1 is Tuesday, and your trade will be settled on Tuesday.
• The data should be visible with the next refresh on Wednesday.

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 release notes here.

You can check the upcoming features here.

As of @February 21, 2024, 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.

You can export your data from the Web app at http://view.money/login.

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.

If you unlink a bank account you will lose the metadata eg tags etc.