2.17.5 - @Today

This release contains the following improvements:

• Added timestamp and card number details for credit card transactions in More Details view.
• Display full credit card name in the Credit Cards widget settings.

2.17.4 - @Last Friday

In the Recurring tab, the calendar now shows a breakdown of the total Upcoming, Overdue, and Paid amounts, making it simple to stay on top of your expenses.

2.17.3 - @December 10, 2024

This release contains the following improvements and bug fixes:

• When multiple cards are connected, the Credit Cards widget now automatically switches to a compact list view for a quick glanceable summary.
• Fixed an edge case where manually added transactions couldn’t be edited or deleted.

2.17.2 - @December 6, 2024

This release contains the following improvements and bug fixes:

• Fixed an issue with sharing transaction details.
• Fixed some edge cases that caused issues while adding a new credit card.

2.17.0 - @December 3, 2024

We sort of always knew this, but thanks for not letting us forget through your emails, messages, and tweets that, even with Bank Accounts, Investments, and Credit Cards, something was still missing. Well, starting with this update, you can record your cash transactions on Fold!

Head to the transactions tab and look for an add button on the top right.

You can also use manual transaction entry to record your missing credit card transactions, include missed refunds.

2.16.1 - @November 28, 2024

Fixed an issue related to bank account onboarding.

2.16.0 - @November 26, 2024

When we launched Credit Card bill payments on Fold this month, we didn’t expect it to catch on so quickly. This gave us the confidence to go a step further, and with this update launch utility bill payments.

Head to the last tab, below Bills, find “Pay bills” and take care of your dues without having to juggle multiple apps. Just like credit card bill payments, utility bill payments are secured and powered by NPCI’s Bharat Connect.

2.15.4 - @November 24, 2024

Fold just got snappier. The Home tab now loads faster, optimized to keep up with you and your finances.

2.15.3 - @November 22, 2024

This update contains the following improvements and bug fixes:

• Fixed a bug where the Recent merchants list occasionally didn’t show recently used merchants.
• Resolved an issue where transactions from a previously disconnected Credit Card continued to appear in the Transactions tab.

2.15.2 - @November 21, 2024

This update contains the following improvements and bug fixes:

• Resolved an edge case that caused a crash when creating a new Recurring Expense from suggestions.
• Fixed a layout shift in the refresh status dock that occurred after closing the Profile.

2.15.1 - @November 18, 2024

Introducing 'Custom Frequency' for recurring expenses. Now you can create recurring expenses that repeat at any interval you choose – every 'n' number of days, weeks, months, or even years. This is particularly helpful for expenses like mobile recharges, which might not follow a standard weekly or monthly schedule.

Additionally, we’ve fixed an issue where the Fixed Deposit card in the Investments widget wasn’t taking up full width.

2.15.0 - @November 15, 2024

Today we’re thrilled to introduce Fixed Deposits tracking on Fold, one of our most requested! Now with just a few taps in the Investments tab, you can see your investments come together in a simple unified view.

You can also now re-order your investments in the Investments tab as per your liking!

In this update, our Notification Center has also been revamped to give you more control over alerts you care about the most, including new “Remaining balance” notification that shows the total remaining balance in your actively tracked bank accounts.

P.S. More notifications are on the way in upcoming releases. Stay tuned!

2.14.1 - @November 12, 2024

This release contains the following improvements and bug fixes:

• Some merchants (like Autorickshaw) are now automatically determined and updated based on the tag you apply to transactions.
• Fixed an issue where an incorrect cancellation reminder notification date was being displayed for recurring expenses in some cases.
• Fixed a bug where the refund indicator was not displayed in transaction details.
• Fixed a few edge cases related to syncing a new billing statement.

2.14.0 - @November 7, 2024

Introducing Credit Card bill payments on Fold! Paying your credit card bills just got a whole lot easier. Now, alongside tracking your credit card expenses in real-time and keeping tabs on your outstanding balance and due dates, Fold lets you settle your bills in seconds with just a tap. No more juggling between apps. It’s all about making your financial life smoother and more seamless, all in one app.

2.13.2 - @November 4, 2024

This release contains the following bug fixes and improvements:

• Fixed a bug that caused the Total Balance widget to not load on the Home Screen.
• Fixed an issue with adding IDFC Credit Cards.

2.13.1 - @October 25, 2024

We’re bringing a couple of handy features to Fold with this update:

• The Home tab now includes a new Updates view, a single place to view all your alerts, whether they’re bank balance change notifications or subscription cancel reminders, so you never miss anything important.
• You can now tap the payee or payor in the transaction detail to instantly see a list of all your transactions with that merchant or contact.

2.12.3 - @October 22, 2024

This update includes the following bug fixes and improvements:

• We’ve added support for Bank of Baroda credit cards.
• Fixed an issue with detecting Credit Card billing statements.

2.12.2 - @October 18, 2024

This update includes the following bug fixes and improvements:

• We’ve added support for Kotak and Yes bank credit cards.
• Fixed an issue where the expense settings view displayed incorrect date.
• Resolved an edge case with the frequency setting that caused an issue when creating a new recurring expense.

2.12.0 - @October 16, 2024

Introducing Recurring Expenses on Fold! Keeping a track of your subscriptions and recurring payments just got easier.

Fold automatically tracks your payments and displays them in a clear, simple calendar view. This makes it easy to see what’s due, what’s paid, and what’s next—all at a glance. Plus, you’ll have access to a detailed payment history, ensuring you’re always in control and fully aware of where your money is going.

Head to the Recurring (last) tab, to see recurring suggestions and start tracking your regular expenses!

This release also contains the following enhancements -

• You can now select Credit Card transactions when choosing a refund or original transaction.

2.11.1 - @October 7, 2024

Fixed an issue where the tab bar would not appear when opening the app via a notification.

2.11.0 - @October 5, 2024

Introducing ad-hoc refreshes on Fold! No more waiting for scheduled data pulls. Get your bank transactions and balances on demand, whenever you need them.

2.10.7 - @October 1, 2024

With this update, you can now select the time you’d like your bank account data to refresh.

2.10.6 - @September 28, 2024

Now see a sum total of your spendings across all tags at the bottom of your spending summary page.

This update also contains a few fixes related to credit card statement detection.

v2.10.5 - @September 25, 2024

This update contains the following bug fixes and improvements:

• Fixed an issue with adding new HSBC credit cards on iOS 18.
• In the Investments tab, a “Refresh now” button will now appear in the Mutual Funds overview when a portfolio refresh is available.
• Fixed a bug where transactions without tags or a payee/payor were excluded when applying a filter in the Transactions tab.

v2.10.4 - @September 18, 2024

• Fixed an issue where the tap-and-hold interaction to reveal the balance was not working in the Total Balance widget.
• Fixed a bug in the transaction list where the swipe-right gesture to select a transaction was sometimes preventing the list from scrolling.

v2.10.3 - @September 18, 2024

This update contains few vital enhancements to help debug support requests better.

v2.10.2 - @September 16, 2024

This update includes fixes for app crashes experienced by some people and also addresses several issues related to credit cards.

v2.10.1 - @September 12, 2024

This update fixes few issues related to Credit Card onboarding.

v2.10.0 - @September 9, 2024

With this update, we’ve redesigned the way you browse through your credit card transactions. You can now view all transactions in one consolidated list, without having to navigate through billing cycles. We’ve also added helpful filters for easier sorting. Plus, there’s a new credit card history view where you can review your previous bill details.

This release also contains the following improvements and bug fixes:

• Fixed a bug that caused the app to crash on launch for some users.
• Added an option to disconnect mutual funds under Profile · Investments · Mutual Funds.

PS We have also added a new “Children” tag for all the parents using Fold.

v2.9.1 - @September 3, 2024

With this update we’re making room in Fold for an exciting new feature. Other than that, your Profile has found a new home – in the Home tab, and now you can personalise your Fold app with your picture and a username that’s all you.

We have also reduced the cooldown period between Mutual Funds refreshes from 30 days to just 2 weeks!

Addtionally, fixed an edge case where the OTP was not sent when refreshing the mutual funds portfolio.

v2.9.0 - @August 25, 2024

This update introduces a glanceable summary of your spending within Transaction Groups. Navigate to any transaction group's detail view to see a category-wise breakdown of your expenses.

v2.8.9 - @August 22, 2024

In this release, we’ve fixed a bug that caused the app to crash while discovering a new credit card.

v2.8.8 - @August 18, 2024

As part of our efforts to support a broader range of credit cards, this release now includes support for IDFC and HSBC credit cards, as well as new variants of existing cards.

Additionally, we’ve fixed an issue that caused the app to crash on launch for some users.

v2.8.7 - @August 16, 2024

As a part of supporting wider set of cards, we are extending support to two new credit cards with this release adding IDFC and HSBC cards along with adding support for new variants for existing cards.

This update also contains the following bug fixes and improvements:

• Fixed the incorrect Gift tag description in Tag transaction view.
• Fixed some bugs related to adding a new Credit Card and syncing transactions.

v2.8.6 - @August 14, 2024

This update contains the following improvements and bug fixes:

• Fixed a bug where the "Tag similar transactions" button was not appearing in the Tag transaction view.
• Fixed an issue where the Spending Summary widget flickered on app launch.
• Fixed several issues related to adding a new credit card.
• Added the ability to re-sync credit card transactions before reporting a missing transaction.

v2.8.5 - @August 12, 2024

This one contains a few fixes in Credit Cards including an edge case which prevented some users from getting their transaction emails detected.

v2.8.4 - @August 8, 2024

This update prevents duplicate accounts from appearing in the discovered accounts list when adding a new bank or demat account.

v2.8.3 - @August 8, 2024

This update contains the following improvements and bug fixes:

• Fixed a bug with the Untagged Transactions list reloading and losing scroll position when tagging a transaction.
• Fixed several edge cases related to syncing a new credit card transaction and billing statement.
• Fixed an issue where the app would get stuck in the discovering state when adding a new credit card.

v2.8.2 - @August 7, 2024

This update contains the following improvements and bug fixes:

• Untagged and Missing Merchant statistics previously didn’t consider credit card transactions. This has now been fixed.
• Fixed an edge case with syncing a new credit card transaction.
• Fixed an issue with the Excluded from Cash Flow transaction filter.

v2.8.1 - @August 6, 2024

This update contains the following improvements and bug fixes:

• New Bookmarked transactions group: View all the transactions you’ve bookmarked with “Bookmarked transactions” in the Groups tab.
• We now display when NAV was last updated for your Mutual funds in the Investments tab.
• When selecting a refund transaction, you can now pick a transaction belonging to a different bank account.
• Bank and credit card logos are now shown by default in the Transaction lists.
• Fixed incorrect category icons in Spending Summary widget detail view.
• Fixed an edge case with syncing a new credit card transaction.

v2.8.0 - @August 2, 2024

New Credit Card Onboarding: With this update, we have made adding credit cards easier by a factor of at least 10. Previously, adding a new credit card on Fold was a task, involving finding your statement PDF, unlocking it, setting up automatic tracking etc. etc. Now, with this update, adding a new credit card is just a matter of a few taps.

v2.7.0 - @July 31, 2024

This update is a significant milestone. It’s packed with more developer blood, sweat, and tears than any previous release. With this update, your credit card transactions will seamlessly appear alongside your bank transactions. As you spend using your credit cards, your Spending Summary and Cash Flow will automatically update. We hope this makes your grip on the reins a bit sturdier, your seat more secure, and gives you greater control over your financial life.

v2.6.2 - @July 29, 2024

• Fixed an edge case that sometimes caused issues while adding a new credit card.
• Fixed an issue where the Refresh mutual funds portfolio button would become disabled before the portfolio refresh was completed.
• Fixed a crash in the Transaction Refunds list view.

v2.6.1 - @July 17, 2024

New Beta Playground Option: To help you recall the purpose of a transaction while tagging it, enable the new “Show narration while tagging transactions” option to see the narration sent by your bank. If you add notes while transacting through UPI, this will be especially useful!

This update also includes the following bug fixes and improvements:

• Increased the tap area of Tabs in the Transactions view.
• Updated the copy in Investments refresh sheet to clarify how Mutual Funds refreshes work.
• Fixed an edge case with "Augment with CC debt" option in the Total Balance widget where chosen credit cards were resetting on tapping Cancel even when the toggle was ON.

v2.6.0 - @July 11, 2024

These days, nothing stops us from delivering on our promise of painful awareness. Painful as it is, awareness is the root of peace, and with this update we’re bringing even more peace to your financial life.

No longer worry about the hit your bank balance will take after your credit card bill is cleared. Not because we’ll pay your bill for you—other companies might—but because now you can augment your bank balance with your total credit outstanding.

With the new "Augmented balance" feature, present in Total Balance widget settings, you can see your balance as it'd be after you have cleared your credit card bills. This ensures you always have a clear picture of your finances, allowing you to plan and manage your money with greater confidence.

v2.5.7 - @July 8, 2024

• If you don’t find a suitable icon for tagging your transaction, we now display alternatives such as using the “Others” icon or Transaction Groups. Check out how to use transaction groups here -
• Previously, navigating to a help article from search results would clear the results when you returned to the list. This issue has now been fixed.

v2.5.6 - @July 4, 2024

• New “This financial year” and “Last financial year” options to help you conveniently download bank statement of the current and previous financial year.
• Fixed an issue where the Credit Card’s outstanding amount shown in the Home tab widget and detail view would be different after syncing a new transaction.
• Fixed a crash which sometimes occurred in the Total Balance graph.

v2.5.5 - @June 29, 2024

This update contains the following bug fixes and improvements:

• PAN is now editable when you’re connecting your investments.
• Credit Cards detail view now shows all your cards including the ones hidden from the Credit Cards Widget.
• Fixed an issue where tapping on a refresh notification didn’t show latest data even if there were new transactions.
• Fixed an issue where the app would log out in some cases.

v2.5.4 - @June 23, 2024

If you have multiple credit cards connected to Fold, with this release we’re bringing something brand new and super useful for you. Head to Credit Cards widget setting and choose Show as List. This new List layout for credit cards allows you to see all your cards and their outstanding amounts at a glance, along with your total credit outstanding.

This release also brings automatic daily updates to your existing mutual fund investments.

Here’s to even more financial awareness!

v2.5.3 - @June 19, 2024

• Added a few improvements under the hood to help improve Credit Card experience.

v2.5.2 - @June 13, 2024

• You can now see XIRR of your Mutual Fund investments. Also fixed a few onboarding issues related to Mutual Funds.

v2.5.0 - @June 9, 2024

In short, you can now connect and monitor your Mutual Fund investments on Fold. This update brings Fold one step closer to giving you a comprehensive view of the most important numbers in your life: your finances. Head to the Investments tab to get started!

v2.4.2 - @May 30, 2024

• This update contains minor UI polishes and a fix that prevents the app from crashing on some devices.

v2.4.1 - @May 28, 2024

• Fixed an edge case which caused the app to become unresponsive on launch on some devices.

v2.4.0 - @May 28, 2024

With this update, we introduce new ways to interact with your transactions:

• Transactions can now be sorted either by amount or by time when filters are applied.
• Transactions can now be hidden by long pressing or using multi-select in the transactions tab. Hidden transactions can be found in: Transactions Tab → Groups → Hidden Transactions. This feature will help you ignore a transaction or hide duplicate transactions from Fold completely.

Bug fixes and Improvements

• Fixed a bug where the total outstanding amount was incorrect for certain credit cards.
• We now preserve your preference for hiding tips in the home tab across devices.

v2.3.2 - @May 23, 2024

• Hiding your total balance now also hides the individual bank balance pills.
• The Credit Card iOS widget is now updated to show the total outstanding value of the card.

v2.3.1 - @May 17, 2024

• Prevent transactions from passively tracked bank accounts from showing up in Groups.
• Fixed an edge case with syncing the credit card billing statement when the bill is overpaid before its due date.

v2.3.0 - @May 14, 2024

We’re bringing a ton of improvements to how you search your transactions with this release. Under the hood is a massively improved intelligence that smartly generates suggestions and accurate results. In the interface, you’ll find options to narrow down your search to Tags, Merchants, and Notes. Get ready to put those thumbs to work and explore your finances like never before!

v2.2.4 - @May 10, 2024

• Fixed a bug with Sign in with Google taking multiple attempts to resume syncing transactions.
• Fixed critical issues in the error reporting flow.

v2.2.3 - @May 6, 2024

New Beta Playground option: Turn the “Show icon name instead of tag name” setting on to display the icon’s name instead of the tag name in transaction cards.

This update also includes the following bug fixes and improvements:

• Prevented text from truncating in Bill due & Left to spend cards in the Credit Card detail view.
• Payment network logo in the Credit Cards Widget now responds to theme changes.
• Eliminated the need to have a Mail app setup in order to report an error.

v2.2.2 - @April 25, 2024

SBI on Fold: We’re excited to announce that you can now connect and track your State Bank of India bank accounts.

v2.2.0 - @April 24, 2024

• Fixed an issue with the refresh animation glitching in Credit Card Home tab Widget.
• Fixed an edge case in which the ‘Fetch financial data’ button became enabled even when no new accounts were connected from the list of discovered bank accounts.

v2.1.3 - @April 16, 2024

With this release, we bring a good amount of handy features to help you better track your Credit Cards! Quick glimpse 👇🏻

Some notable enhancements are:

• Tapping on the info icon or the “Left” widget in the Credit Card detail view, opens up a fresh statistics sheet, that lets you clearly visualize your card usage.
• You can now swipe to navigate between your cards in the Credit Card detail view.
• Credit Cards Widget now displays the due date and outstanding amount based on your latest billing statement.
• Fixed an issue where a credit card transaction or billing statement would not sync if the email landed in Spam or Trash.
• We pre-fill the Total Due amount when you enter a bill transaction amount manually for your Credit Card.

Other enhancements and fixes include:

• We now show year for transactions that belong to previous years in the transactions list.
• Fixed an issue where a transaction automatically tagged as Self Transfer would not get excluded from Cash Flow.
• Fixed a bug with drag handle scrolling along with the content in Known issues with Banks sheet.

v2.1.2 - @April 5, 2024

• Fixed a bug which caused a crash on swiping in the Total Balance graph.
• Choosing a statement PDF from Google Drive to add a new Credit Card is now supported.

v2.1.1 - @April 4, 2024

This version introduces a new Support section in settings, housing the complete Fold knowledge base. Here, you'll discover answers to all your queries about using Fold, including insights into data handling and details about existing and upcoming features. There's a lot to explore! The support section also contains an improved way to reach out to us with your questions, concerns and bug reports.

Other minor fixes and enhancements include:

• Added a “Yesterday” preset to the range filter in Transaction filters.
• Fixed an issue where some people were unable to dismiss an error sheet during Investments onboarding.
• Fixed an issue where an exit confirmation dialog was shown even after a successful onboarding in Investments.

v2.1.0 - @March 29, 2024

You can now track your ETF investments with Fold. Head over to You · Investments and tap (+) to connect your demat account with ETFs.

v2.0.4 - @March 21, 2024

• Fixed a bug where data on the Home tab including balances and stats wouldn’t update with a data pull when the app is open.
• Fixed an issue where a stock belonging to multiple connected demat accounts caused duplicates to appear in the list of holdings.
• Fixed a bug which prevented adding a new Credit Card when payment is due immediately in the billing statement PDF.

v2.0.3 - @March 16, 2024

This release includes a bunch of enhancements and fixes throughout the app. Some notable fixes are:

• Fixed an app crash around credit card statement detection process.
• Several small fixes in Credit Card UI.
• Improvements to the OTP field used throughout the app.
• Some UI improvements in Investments.

v2.0.2 - @March 8, 2024

This release includes several enhancements and fixes for Credit Cards:

• A new “Auto fill password” option to help you conveniently unlock the billing statement PDF when adding a new credit card.
• Fixed a bug which prevented a credit card from immediately showing up in Home tab widget after it was newly added.
• Fixed a bug with marking a bill payment if the previous cycle’s bill was overpaid.

v2.0.1 - @February 29, 2024

• Fixed a bug which prevented transaction Account in to work in certain cases.
• Performance optimisations and under the hood fixes for Credit Cards tracking.

v2.0.0 - @February 28, 2024

Everyone's invited: We’re removing the need to use invite codes to access Fold with this update, along with the following improvements and fixes:

• New Credit Cards widget settings to re-order and hide a credit card.
• Fixed an edge case which prevented PAN from being entered while linking a new demat account.

v1.11.3 - @February 23, 2024

• Credit card tracking is now open for everyone. Link your credit cards from the ‘You’ tab and manage your credit card expenses seamlessly.
• Filter Summary: Similar to how Search summary works, we now show a summary when transaction filters are applied, giving you a birds eye view of your expenses.
• In the Transactions tab, a new button next to the Filters now lets you select and edit multiple transactions with a single tap.

v1.11.2 - @February 22, 2024

Refresh History: To make you aware of your bank’s refresh performance, we have added a more comprehensive historical view of data refreshes. Find it in the refresh dock by pulling it up, and tapping Refresh Schedule.

This update also includes critical bug fixes and improvements for Investments tracking.

v1.11.1 - @February 20, 2024

In this fairly small update, we have added Help and Support section to the settings page, along with the following bug fixes:

• Fixed an issue in Credit Cards where the “Bill Due” badge was appearing on earlier cycles when bill was due.
• Fixed an issue that prevented some users from onboarding their UPI RuPay Credit Cards.

v1.11.0 - @February 19, 2024

Investments tracking: Get a clear picture of your stock holdings and seamlessly keep an eye on their returns – head over to the Investments tab to link your demat accounts to Fold! We’ve also introduced a new Stocks widget that shows your top holdings directly from the Home tab.

This update also contains the following improvements:

• New & revamped UI to keep a track of your billing statement and mark it as paid in the credit card widget detail view. We’ve also added a neat little graph to help you visualise your left to spend amount.
• Fixed an issue that caused the Credit Card sync email update to not work.
• Performance optimisations and under the hood fixes for Credit Cards tracking.

v1.10.4 - @February 9, 2024

The Credit Card widget no longer rounds the spent amount or the amount left to spend.

v1.10.3 - @February 7, 2024

• Choosing “Left to spend” mode in Credit Card widget settings now only affects the widget in home view and not in detail view.
• Tons of under the hood fixes to prevent unexpected app crashes and issues faced while onboarding a Credit Card and on statement arrival.
• Fixed an issue with negative values being shown in credit card limit crossed explainer sheet.
• UI fixes and enhancements in Credit Card onboarding and detail views.

v1.10.2 - @January 28, 2024

Fixed an issue where the app would sometimes automatically log you out upon reopening.

v1.10.1 - @January 25, 2024

Today, we’re rolling out an early version of F1, which intelligently learns from your transaction tagging preferences and automatically tags your transactions. You can now enable it by activating the “Use intelligent tagging” toggle from Beta Playground in Settings!

This release also contains the following enhancements and fixes:

• We now show a message when you attempt to add a new credit card that is unsupported.
• Resolved a crash that sometimes occurred when a new credit card statement arrived.
• Performance optimisations and under the hood fixes.

v1.10.0 - @January 19, 2024

We’re piloting credit card tracking support with this build, but only for people who read our release notes ;) To activate CC tracking, head to You tab, then settings, go into Beta Playground, and toggle Track Credit Cards on. There’s also a link to the list of supported credit cards. We’re looking for early feedback and feature requests!

We’ve also made the following improvements and bug fixes:

• Added a copy button in the transaction’s more details view to let you quickly copy the Narration.
• Fixed an edge case in which the investments transactions list remained empty if that month only had one transaction which was accounted in a different month.

v1.9.3 - @December 8, 2023

Fixed an issue where adding bank accounts from other phone numbers didn’t work.

v1.9.2 - @December 4, 2023

THIS ONE’S MANDATORY: We have updated bunch of tech under the hood for better refresh performances and also to get the app ready for the introduction of Investments and Credit Cards tracking. Earlier versions of the app will become non-functional. Get updating!

v1.9.1 - @November 29, 2023

If you’re waiting for an invite code, we now show you different ways to easily get one.

We've also made some accessibility enhancements, and fixed an issue with logging in via OTP.

v1.9.0 - @November 23, 2023

Total Balance widget: Keep an eye on your total bank balance from the Home screen with the new Total Balance widget! And for the privacy conscious, simply tapping the amount in the widget will hide it until you wish to check it again.

This release also contains the following bug fixes and improvements:

• All the transactions can now be accounted-in to a different month.
• While tagging transactions in bulk, you can now flick over the transaction cell to go through all your selected transactions.
• Prevent “Other Accounts” from being shown in Edit home screen sheet when there are no passively tracked bank accounts.
• Fixed a case in which the error message was not displayed while fetching data from a newly linked bank account in case of an unexpected failure.
• Improved the loading state to prevent a layout shift issue in the Home tab.

v1.8.2 - @October 27, 2023

Fold Web app: You can now access Fold right from your browser! Head to settings then tap “Web login”, scan the QR code at view.money to access the web app! Explore, understand & manage your finances from a bigger screen.

We’ve also made the following bug fixes and enhancements:

• Fixed an issue with “Change with system“ theme preference not immediately changing the app’s appearance.
• Fixed some animations that stopped working on iOS 17.

v1.8.1 - @October 24, 2023

With this update, we’re bringing the following improvements and bug fixes to Fold:

• You can now quickly create a new contact by importing one from your phonebook. Just tap on “Import Contact” when you create a new payee/payor.
• Bank account carousel in Total Balance widget detail view now shows full account number when available.
• The bank logos in data pulls status dock used to flicker when you moved away from the Home tab and came back to it. This issue has now been resolved.
• Fixed an issue where tapping on any refresh notification while the app was running didn’t show latest data even if there were new transactions.
• Fixed a bug where selecting all icons in transaction filter didn’t return correct results.
• Fixed a bug which prevented bank account nickname from resetting when the input was cleared.
• On iOS 17, fixed an issue which caused the bank accounts list in data pulls status view to glitch on scroll.

v1.8.0 - @October 18, 2023

Today we’re welcoming our first widget - Data Refresh Time. Now you can quickly know when your next data pull is scheduled right from your Home Screen.

This release also contains the following enhancements and fixes:

• Revamped You tab and added a new section for viewing all transactions without a merchant.
• You can now easily create a new Group when you long press & hold a transaction and add it to a group.
• Fixed an issue with the Tap to connect button not working for a waitlisted bank.
• The tags list in transaction filters is now sorted alphabetically.
• Improvements to the Bank Account widget graph.
• Some under-the-hood performance improvements.
• New Parents, Mom, Dad, Pocket Money, and Snacks tags.

v1.7.2 - @October 4, 2023

• We’ve added more filters to help you quickly find transactions that you bookmarked, added notes or attached receipts to, and excluded from Cash Flow. You can also use them to look for transactions without a tag or a merchant.
• New app unlock option: Instead of locking immediately, you can now choose to wait for a minute before the app locks.
• Transactions tagged with Bill or Credit Bill can now be accounted in a different month, just like Salary or Earnings transactions.
• Improved contrast in Dark and Black themes.
• New tags: Gold, Advisor, Repair, Dairy, Glasses, Lounge, and Fine.

v1.7.1 - @September 23, 2023

Today we’re releasing the following enhancements and bug fixes to Fold:

• Most used tags: In the Tag transaction sheet, we show your most frequently used tags at the top for quick tagging.
• Revamped and improved transaction and tag search.
• When editing transactions in bulk, you can now select up to 200 transactions at once.
• Transaction detail view now shows your account’s nickname when available in place of the bank account number.
• When you connect a new bank account, we will display a message if certain banks affect features like auto-tagging.
• Fixes and optimisations for iOS 17.

v1.7.0 - @September 14, 2023

With this update, we’re bringing a powerful new way for you to find just the transactions you’re looking for - Transaction Filters. Whether you’re keeping a tab on the expenses you made in your last vacation or checking all the interest your savings account accumulated in the current financial year, filters can help you easily find relevant transactions. You can filter your transactions based on these filters: Banks, Type (Incoming, or Outgoing transaction), Tags & Icon, and Date range.

Head over to the Transactions tab and tap the filter button to try it out!

We’ve also made the following bug fixes and enhancements:

• Fixed a bug which prevented a previously pinned group from getting unpinned when restored from the Archive.
• Updated the global error view to gracefully handle any unexpected downtime.
• Some visual enhancements & copy fixes.

v1.6.2 - @September 5, 2023

Fix an issue with Face ID not unlocking the app.

v1.6.1 - @September 5, 2023

We are doing away with all the hand gymnastics that was previously required to select multiple transactions. Now swipe once to start selecting multiple transactions and then simply tap on the other transactions to select them. We have also added a tap and hold action when in selection mode to help you take a peek at your narration details.

This release also contains the following enhancements and fixes:

• Fake data mode now resets when the app is relaunched to help you avoid existential questions about your balance when you open the app after a while.
• Fixed an issue with the total balance graph crashing on the 6M tab for some SBI users.
• Fixed an issue with the tag transaction sheet not dismissing from the Spending Summary view.
• Some copy changes and under the hood improvements.

v1.6.0 - @August 28, 2023

With our latest update, we're introducing a game-changing feature – the ability to link bank accounts to phone numbers beyond your own. Let's explore the exciting possibilities:

1. Reclaiming Forgotten Resources: Have an old personal account linked to a now rarely used phone number? Our update lets you connect that forgotten bank account to your Fold account, giving new life to dormant assets.
2. Simplified Shared Expenses: Picture this: You and your partner or flatmates share expenses regularly. Now, you can connect the dedicated bank account used for shared costs, allowing everyone to effortlessly monitor and manage joint finances in one central location.
3. Caring for Dependents: If you're responsible for dependents like parents or younger siblings, keeping track of their finances just got easier. No more uncomfortable requests for updates – a quick glance at your Fold home page reveals if they need additional funds.

These are just a few examples of how our update empowers you to revolutionize your financial interactions. To get started, navigate to the 'You' tab, then 'Bank accounts', and simply tap the 'Add' button at the upper right corner.

That's not all – our update also includes these exciting additions:

• Personalized Bank Account Nicknames: Now you can add nicknames to your bank accounts, making them more identifiable and tailored to your preferences.
• Passive Tracking: If you have accounts that you no longer actively use, you have the option to track them passively. These accounts won't impact your cash flow calculations, and their transactions won't clutter your main transactions list.

We’ve also made the following bug fixes and enhancements:

• Fixed a case where swiping up on the Add account number sheet would break the UI.
• On iOS 17, fixed an issue with the Add account number sheet constantly getting dismissed.
• The bulk transactions update sheet previously didn’t dismiss if you were routed to a different view from a notification. This has now been fixed.
• Improvements to prevent a layout shift issue in Your details view.

v1.5.4 - @August 18, 2023

When “Unlock with Face ID” is enabled, the app now locks as soon as it is in the background and blurs the content in the app switcher.

This update also includes other internal fixes and improvements.

v1.5.3 - @August 12, 2023

Prior to this update, when you created a new payor/payee for a transaction, it seemed to vanish into the ether, only momentarily visible in the Recents list before being pushed out from even there. This created a rather poor user experience, something not in line with Fold's usual standards.

In this update, you'll notice a new row called Contacts within the You Tab. Contacts store your custom-created Payors, Payees, and all the associated transactions. Contacts can have a UPI ID, phone number, and a type (Friend, Merchant, Colleague, Family, or Relative). This marks a small step towards making Fold more social and connected with the people who matter to you. We hope you’ll love our new update!

v1.5.2 - @August 1, 2023

• Prevent network error view from blocking the app if something goes wrong while authenticating with the server.
• New UPI Lite tag.

v1.5.1 - @July 28, 2023

This release contains the following enhancements and bug fixes:

• New Cash Flow widget setting - You can now customize the order of "Incoming", "Outgoing", "Invested", and "Left" parameters.
• Previously in Transaction Groups, the “All time” year filter didn’t work when applied along with a chosen Month. This issue has now been resolved.
• Fixed a gesture issue which sometimes prevented the Tag transaction action in Cash Flow and Untagged transactions list.
• Fixed a case where cancelling a transaction search didn’t work and it persistently displayed the loading state.
• Resolved occasional crashes that occurred because of the system appearance setting.
• Instead of a blank screen, we now show an error message when connecting to a bank account fails due to an unexpected reason.
• Fixed the filter icon in Cash Flow transactions list.

v1.5.0 - @July 19, 2023

You have tagged your transactions, you have enjoyed adding meticulously crafted icons to them, you have added notes and merchants, many of you have also added receipts. Today, we take another Big step towards transaction organisation and tracking – introducing Transaction Groups.

Group related transactions together regardless of tags. Going on a trip? create a group! Want to track spendings on junk food, create a group. Wish to curb your spendings on outfits, create a group! Ever wanted to track money you have loaned and received back from someone? Create a new group! The possibilities are endless.

Transaction Groups have stolen much of the spotlight in this update, but here are other enhancements and fixes we’re shipping with this release:

1. We have added tap and hold actions to transactions and groups, giving quick access to commonly used actions.
2. We fixed occasional app logout issues.
3. We improved the Bank Account Card to display only relevant information.
4. We fixed a spacing issue that occurred when a text field in the bottom sheet came into focus.
5. We fixed the calculation of the left to spend amount in notifications when the account-in date is changed.
6. New Recurring Deposit tag.

v1.4.14 - @July 15, 2023

New Refundable transactions!

Whenever you’re expecting a refund for your online spends on Amazon, Swiggy, etc., you can use the new Refundable toggle to get notified of whenever it arrives. Once the refund is settled, we will also automatically exclude the transaction from your Cash Flow.

We’ve also made some bug fixes and improvements:

• New Tiffin and Cook tags.
• Fixed an issue where Change with System appearance setting didn’t work when the app was relaunched.
• Prevent incoming transactions from showing up in the Spending Summary transactions list.
• Untagged transactions detail view in Spending Summary previously displayed incorrect total count in the navbar. This issue has now been fixed.

v1.4.13 - @July 6, 2023

• With the new “Change with system” appearance setting, you can now choose to automatically switch between Light and Dark theme based on your system settings.
• Improved the loading state to prevent a layout shift issue in the Bank Accounts list.

v1.4.12 - @July 2, 2023

This release contains a few bug fixes and improvements:

• Receipts can now be saved to Photos from the Share Sheet.
• Improved illustrations in the Black theme.
• Fixed an issue where the swipe to go back gesture sometimes didn’t work in the Bank Accounts list.
• Fixed an issue which prevented the Share as PDF and Share as Text options from being shown when sharing Bank account details.
• Resolved a crash that occurred when deleting the account from Settings.
• Tapping on the merchant name in transaction cells now correctly opens the transaction detail view.
• Fixed an issue which sometimes caused the data refreshes to fail.
• New Hygiene, Income Tax, GST, and Property Tax tags!

v1.4.11 - @June 27, 2023

What’s new

From the very first day our goal has been to enable you to add details to your transactions without friction, today we’re making it even more frictionless by allowing you to add and edit merchants from the Tag transaction screen itself!

Talking about adding information to transactions, you can also now attach receipts, look for the Add Receipt button in notes.

We know you would love customising how Fold looks and feels, so with this version, we're bringing a new theme and six app icons to choose from.

Furthermore, on the topic of customisation, you can now change the order of widgets on your Fold home screen.

Some other nice things and a few fixes we made for you:

• We now give you more information on why bank account discovery could have failed.
• We’ve improved the reliability of the recent merchants list.
• We went ahead & fixed the rendering of icons for external merchants.
• We also fixed an issue when trying to connect to a bank that is not responding.
• Quite subtle, but we’ve also fixed the presentation of dialog boxes shown in the app.

v1.4.10 - @June 20, 2023

Bug fixes and improvements

• Added an explainer sheet in the transaction details page for banks that do not provide the correct transaction time.
• Fixed an issue where your salary or earnings would not reflect in the month you wanted it to account in.
• Fixed an occasional issue that caused a glitch in the transaction tag animation.

v1.4.9 - @June 19, 2023

What’s new

First with the important thing: You can now mask your balance even when you have a single account connected. Look out for the eye icon near your balance in the widget.

If your Cash Flow has remained broken because your payday was a month early or late, you can now change the month your transactions tagged Salary and Earning gets accounted in to. This is huge.

Editing merchants is getting a big update:

1. You can now see recent merchants and a list of generic merchants when you decide to add a merchant to a transaction.
2. Merchant addition and editing is now a bulk action too, swipe, select and add!
3. This too, is huge.

Tagging transactions now has a sweet little accompanying animation, if you read this and noticed the animation tweet our devs an appreciation tweet.

Bug fixes and improvements

• New filters in the cashflow transactions list allow you to look at other month transactions without switching screens.
• Fixed an issue where the total balance in the details page did not match with the total balance on the widget.
• Fixed the merchant icon representation for transactions in dark mode.
• Fixed the left to spend amount in the refresh push notification.

v1.4.8 - @June 12, 2023

What’s new

We are bringing two new features to the Total Balance Widget that you’re going to love!

1. Worried that the Total Balance font is a little too bold and sassy, ready to spill your financial secrets to nosy onlookers? Now you can hide it with a simple toggle by editing the widget.
2. The Total Balance graph now shows historical data you can play with and analyse to your heart’s content. Pinch and zoom and unravel the mysteries of your past financial triumphs and tribulations. Choose from Month, 6 Months, Year or All time. Be ready to go full-time-traveler mode.

No need to jump out of your couch or anything, but tagging transactions as Self-transfer will now automatically exclude them from Cash-Flow. That’s full two taps we’re going to save you!

Below are some bug-fixes and improvements we’re delivering you along with the above major updates:

• If fetching data from a bank fails during the initial onboarding, you can now retry the process again without having to delete your account.
• Fixed an issue where Self-transfer transactions wouldn't update the merchant to "Yourself" immediately.
• Fixed a visual bug with the placeholder in the transaction detail view while adding notes.
• Improved the untagged list in Spending Summary to show only outgoing transactions.
• Increased the tap area in info views to make it easier to dismiss.
• Fixed an issue where some unsupported FD and RD accounts were inadvertently showing up during bank accounts discovery.

v1.4.7 - @June 2, 2023

What’s new

New bulk actions - When you swipe right to edit transactions in bulk from the Transactions tab, you’ll now see two new actions: “Remove tag from all”, and “Exclude from Cash Flow”. More actions coming soon!

Bug fixes and improvements

• Data Pulls sheet now displays the account number, allowing you to differentiate between multiple accounts from the same bank.
• Fixed a bug that caused duplicate banks to appear in the list of known issues.
• Fixed an issue with the graph in the Spending Summary widget not displaying data from all connected bank accounts.
• In the Tag transaction view, “Remove tag” button is no longer shown at the end of search results to prevent you from accidentally removing a tag.
• Toasts with an "Undo" button now stay on the screen longer.
• Improved the loading state to prevent a layout shift issue in the Home tab.
• Fixed the unnecessary reloading of the Bank Accounts list when dismissing the bank picker while adding a new account.
• In the Bank Accounts list, we now display an "Add" button next to your connected bank account, making it easier for you to enter your complete account number.
• Fixed an issue which caused the scroll-to-top gesture to add extra spacing to the navbar.
• Tutorial sheets no longer close on tapping outside the content view to prevent accidental dismissals.
• Sometimes there would be a discrepancy between the specified "Next refresh" time and when the actual refresh occurred. We have now resolved this inconsistency.
• Improved notifications so that you’re up to date whenever a data refresh happens or as soon as a new bank is supported on Fold.
• We've made it easier for you to leave a review for us on the App Store. Simply go to "You > Settings" and tap on "Rate us on the App Store”.
• Fold is now available to download in US/UK and Canada.

v1.4.6 - @May 10, 2023

What’s new

Tag Similar Transactions - All of us have those few transactions that come up ever so often - be it that chai you have every evening or the vegetables you buy from your local vendor (good for you if you are buying a lot of veggies). Pick a tag for just one of these and we will do the hard work of fetching all your similar transactions so that you can tag them all with a single tap.

Bug fixes and improvements

• Bulk tagging of transactions now works from the untagged transactions and cash flow transactions list.
• UI polishes and enhancements to the category picker page.
• Fixed a few issues with linking of bank accounts to make it more reliable.
• Your phone number is now masked on the welcome screen so that you can safely share screenshots of your Fold welcome experience with everyone.

v1.4.5 - @May 3, 2023

Bug fixes and improvements

• Critical fixes to the bank account linking flow.

v1.4.4 - @May 3, 2023

What’s new

Introducing bulk tagging - Thanks to Tinder for not copyrighting swipe right, because we’re using it to let you select multiple transactions. You can now swipe right and select multiple transactions from the transactions tab and tag them all at once. More bulk actions coming soon!

New tags! - Here are all of them in one breath - Donation Lent Services Legal Courier Xerox Painting Plumber Mechanic anddd DTH. We listen to all the requests for new icons, keep ‘em coming!

Bug fixes and improvements

• Fixed an issue that was causing the app to crash for some users after connecting their bank accounts.
• Fixed an issue with some sheets not getting dismissed when tapped outside the content area.
• Fixed an issue where UPI transactions done via CRED were wrongly getting tagged as credit bill.
• Improved the touch area of the cancel button in search fields.
• UI polishes for users with a single bank account.

v1.4.3 - @April 22, 2023

What’s new

This update contains critical bug fixes and performance improvements.

• Fixed a bug that was preventing some users from discovering and connecting their bank accounts.
• Fixed an issue with notifications not appearing for some users.
• Some under the hood enhancements to improve the overall app experience.

v1.4.2 - @April 16, 2023

What’s new

• Re-introducing investments: We took away investments from the Cash Flow graph to simplify it, but everyone really missed it, so we have brought it back!
• New chart tool: The Cash Flow Graph Chart Tools sheet now features a new toggle that enables you to combine outgoing and invested amounts into a single graph.
• Updating your email: You can now update your email from Settings → Your details.

Bug fixes and improvements

• Fixed a problem with tag search that was causing some icons to not show up in the list after clearing the search results.
• Fixed a bug where incorrect account number was shown in the Transaction detail view.
• Fixed a bug which prevented Tag transaction sheet in the Spending Summary widget from dismissing on tap of the Cancel button.
• In the transactions list, recent transactions will now show “Today” or “Yesterday” instead of the exact date for improved readability.
• Improved the copy when connecting a new bank account to Fold. We now mention that it is okay to quit the app as we continue fetching data in the background.
• Fixed an issue with New invites received notification not redirecting to the Invite codes view when tapped.
• Fixed a bug with the Total Balance graph sometimes clipping at the top.
• Fixed an issue where the Clear icon in text field was overlapping the input text.
• Fixed UI issues in the Spending Summary filters.
• We have added more context to bank account details in “You” tab for clarity on the latest status of the banks.
• When tagging a transaction as “Self Transfer”, we now automatically add “Yourself” as the merchant.
• Fixed an issue which prevented the Travel tag from showing up in the Spending Summary detail view.
• Fixed a bug where no spendings in a custom Tag would cause the entire Spending Summary widget to not load.

Team is currently working on two most requested features - bulk and similar transactions tagging. Can’t wait to share it with everyone :)

v1.4.1 - @April 1, 2023

What’s new

Widgets Onboarding: Added a screen explaining widgets during onboarding, and tutorials for features at other places. Bank Account Details: Sometimes you want to hide a bank but still want to see its balance. We are now showing the current balance for hidden accounts in the “You” tab.

Bugs fixes and improvements

• Fixed an issue with fake data mode that was affecting the Spending Summary and Cash Flow widgets. Now, it works smoothly throughout the app.
• Improved gesture recognition to make it easier to flick and switch between tabs in the filter sheet.
• Fixed an issue with loading previous year's graph data in the Tag detail view.
• Added tap and highlight states to Transaction cells, Tip cards, and Menu rows in the You tab.
• Fixed a bug where removing Tag icon wasn’t working properly.

We are sharing bulk invites every week, so keep an eye on your email for invites if you're on the waitlist. We are also listening to your feedback on our Discord server and you should see some of those changes in upcoming releases.

v1.4.0 - @March 25, 2023

What’s new

Spending Summary Widget - Most requested, and (arguably) the most useful widget. Spending Summary widget gives you a reason to tag transactions. See the exact amount and percentage of total spending on each tag. Filter, sort and analyse historical expenses on each tag with the help of graphs.

Cash Flow Revamp - We have rebuilt the Cash Flow widget from scratch. It now has a tactile & insightful graph. You have to use it yourself to feel the difference. Along with monthly cash flow you can now also see an annual view. This widget has used up most of our engineering and design time, which is to say, has the most amount of care put into it.

Category + Icon Search - We have improved tag search, added new icons, streamlined categories, and renamed a few for clarity.

UPI App Link - Transactions done using UPI now have a link to the UPI app in transaction’s detail view. This should help in scenarios when you’re tagging a transaction and can’t recall where you spent the money. We currently support PhonePe and will be adding more UPI apps.

Bug fixes and improvements

• App load times have decreased significantly.
• SWIFT BIC codes are now available in the bank account details.
• Updated the formatting of the currency in some places.
• You can now update your name and email from “You > Your details”.
• There’s a now a link to release notes (like the one you’re reading right now) at the bottom of “You > Settings”.
• Account deletion from Settings now requires an OTP.

Every nook and cranny of the app has undergone some level of change, these changes are either too small to describe or too subtle to notice. But put together these little improvements have made the app experience astronomically better. All of us at Fold are very proud of this release.

v1.3.1 - @March 3, 2023

Bug fixes and improvements

• Previously in merchant search, any merchant you created could have the same name as an merchant suggested by Fold. This would sometimes cause duplicate merchants to appear in the search results. We now hide the "Create New" merchant button in relevant cases to prevent such issues.
• Fixed a bug which caused a tagged transaction to show up in untagged transactions list after updating the merchant.

v1.3.0 - @March 1, 2023

What’s new

Search and update merchants in your transactions

While our F1 engine can figure out and add merchants, or payee/payor itself to your transactions, sometimes it leaves it to default merchant and it was painful to look at all the transactions with just merchant - No more! Now you can add or update merchants yourself wherever required.

• Open a transaction and add or update the merchant name. Just start typing and you should see the merchants you are looking for.
• While searching for merchants you will also see some generic merchants like “Autorickshaw”, or “Fruit Seller” which can be used to club similar transactions under one merchant. Start using these and see how my times you have paid your Rapido driver in cash via UPI, or to see if you need buy fruits more often.
• And lastly, If you don’t find desired result (sorry your friend Chintu is not in our list 😕) you can just add them by a single tap and they should start showing up from next time!

Bug Fixes and Improvements

• Fixed a bug with full name field which caused it to incorrectly separate first and last name.
• Fixed an issue with local cache which prevented category icons from getting updated.
• Improved alignment and fixed spacing inconsistencies in the transaction detail view.
• Eliminated a jank which occurred when tabs were switched.
• Improved searching for transactions with different intents and duration. Now you can search things like “untagged” transactions, make typos, and use queries like “more than 1k in last 3 months”, “Received this month” etc.
• Added transaction summary for all the transactions. This should help you in understanding transaction better.
• Search summary in transactions search is now shown for most of the queries.

PS: Two very talented iOS engineers have joined our team. This means you will see more frequent changes, improvements and new features 🚀

v1.2.1 - @February 19, 2023

What’s new

• New search summary: You can now see a granular search summary. For eg, just type Swiggy to see a detailed search summary for this month/year/all time.

Bug fixes and improvements

• Improved connection stability when linking new bank accounts to Fold.
• Fixed a bug that prevented the “All transactions tagged” empty state from showing up after tagging all transactions in the Untagged Transactions view.
• Fixed incorrect monthly transaction counts in the Untagged Transactions view.
• Eliminated a transition lag that occurred after clearing the search term.
• Fixed spacing inconsistencies in the navigation bar.
• Improved how the OTP input field clears text to make the behaviour feel more natural.
• Added highlighted state and new icon to the Tag button in the Transaction cell.

v1.1.8 - @February 8, 2023

What’s new

• Remove Tag from transactions: Ever added a wrong tag or not sure about one? No problem! Just open the Tag panel, scroll to the bottom, and remove it. And don’t worry, you can find all of your untagged transactions in the “You” tab and tag them again.
• Disconnect Bank: You can now disconnect any bank account that you feel is not helping you manage your finances. Head over to the You tab to manage or disconnect your bank accounts.

Bug fixes and improvements

• A new ‘Parking’ icon has been added to the list of tags. More icons will be added in follow up.
• Replaced “+” button in transactions view with “Tag” button for more clarity.
• The issue of transactions not being listed in the correct order in the untagged transactions list has been fixed.
• The tagged transactions donut graph will now update after tagging a transaction.
• The Before Fold account separator card has been removed in cases where no untagged transactions exist.
• Visual improvements have been made to the tagged transactions summary view.
• Linking new bank accounts to Fold has been improved.
• A bug that caused a loading spinner to show up incorrectly in the consent detail view has been fixed.
• On iOS 16.0, a crash that occurred when viewing the transaction details has been fixed.