Fold: Bitcoin Personal Finance vs Swan Bitcoin: Buy & Save Usage & Stats
Fold is the solution for seamlessly managing both bitcoin and dollars.*** Buy, sell, and send bitcoin**; premium members pay no fees. Pay bills with your account and routing numbers.* Get up to 1.5% back on eligible bills. Earn bitcoin on everyday expenses. Earn extra bitcoin back on rotating card linked offers and popular gift cards.
Take control of your personal finances with Fold: the currency you prefer and the banking features you need.*
BUY, SELL, AND SEND BITCOIN
- Buy, sell, and send bitcoin with no fees.**
- Automate bitcoin buys with round-ups and DCA (auto-stack).
- Get paid in up to 100% bitcoin.*
PAY BILLS
- Pay all your bills with your Fold account and routing numbers.*
- Earn up to 1.5% back on your biggest expenses like mortgage, rent, and credit cards. Conditions apply.
EARN BITCOIN ON EVERY SHOP
- Get started for free with a Fold Visa Prepaid Debit Card, the original bitcoin rewards prepaid debit card. Terms and conditions apply.
- Earn bitcoin back on every eligible purchase.
- Earn extra bitcoin back on exclusive categories and merchants.****
ENJOY BANKING FEATURES
- Direct deposit into your Fold Card account and get paid up to 3 days early. Delays may apply.
- Get paid in up to 100% bitcoin.
- No international or ATM withdrawal fees.****
EARN EXTRA BITCOIN BACK ON CARD LINKED OFFERS
- Earn extra bitcoin back on category and merchant offers.****
EARN BITCOIN BACK ON GIFT CARDS
- Earn extra bitcoin back when you buy popular gift cards on the Fold App.
INSURED CUSTODY
- Your USD may be FDIC Insured.*
- Your bitcoin is BitGo Insured.***
*The Fold Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A.. Inc. Visa is a registered trademark of Visa, U.S.A., Inc. All other trademarks and service marks belong to their respective owners. Fold is a financial services platform and not a FDIC insured bank. The Fold Card is issued by Sutton Bank, Member FDIC. If you have a Fold Card, accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Coverage limit is subject to aggregation of all of the account holder's funds held at Sutton Bank.
**Fees may apply. Bitcoin involves certain risks and may lose value.Fortress Trust provides Bitcoin services. See Terms of Use: https://fortresstrust.com/terms-of-use.
***Insurance Policy covers copying and theft of private keys, insider theft or dishonest acts by BitGo employees or executives, and loss of keys. You can learn more here: https://www.bitgo.com/resources/insurance/.
****Fold+ subscribers pay zero added fees when making ATM withdrawals and when buying bitcoin on Fold; standard network fees might apply.
*****Available to Fold+ subscribers.
For full terms and conditions of our Fold Card and rewards program, see the Terms and Conditions, Fold Visa Prepaid Debit Card Agreement and Spinwheel Official Rules at www.foldapp.com/legal.
Fold App
11201 N Tatum Blvd, Ste 300, #42035, Phoenix AZ, 85028
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Let’s build Bitcoin wealth, together.
Swan isn't just another place to buy Bitcoin – we're your partner in building generational Bitcoin wealth. Our Bitcoin experts deliver personalized service to help you navigate Bitcoin with confidence. Swan gives you the tools and guidance to do it right.
WHY CHOOSE SWAN?
- Swan Guard: Enterprise-grade custody with SOC 2 Type 2 compliance at its core, Swan Guard protects your assets so you can focus on growing wealth.
- Swan Private: Our dedicated Bitcoin experts work tirelessly to build strong relationships with clients and understand the nuances of managing wealth in a world transformed by Bitcoin.
- Swan IRA: Hold actual Bitcoin in your retirement account. Open a new Traditional or Roth IRA, or transfer your existing retirement account to Swan. Swan can also assist with 401(k) rollovers.
- Swan Vault: Go further with your Bitcoin security with our institutional-grade cold storage solution.
- Instant Bitcoin Buys: Buy Bitcoin whenever you want. Use your bank account or wire transfer to buy immediately at the current market price.
- Recurring Buys: Set up automatic recurring daily, weekly, or monthly purchases. Build Bitcoin wealth while avoiding the stress of timing the market.
- Limit Orders: Name a price you’d like to pay for Bitcoin, and Swan will automatically buy when it hits that price.
- Free Withdrawals: We believe in Bitcoin self-custody. That's why we never charge withdrawal fees when you're ready to move your Bitcoin to your own wallet.
BEYOND THE BASICS
- Swan Private: Planning a larger allocation? Unlock white-glove service from Swan. Our dedicated team provides personalized support for large purchases and business treasury solutions. Get direct access to Bitcoin specialists who understand your unique requirements and can help implement tailored strategies for your wealth preservation goals.
- Swan IRA: Provides a tax-advantaged solution for saving Bitcoin in retirement accounts. Choose between Traditional and Roth IRAs with seamless transfers and rollovers from your existing retirement accounts. Our transparent fee structure keeps things simple.
- Swan Vault: Advanced Bitcoin cold-storage security made simple. Clients can easily custody their own Bitcoin with peace of mind. Our guided setup process and optional one-on-one specialist session ensure you're confident in your security. With features like 72-hour withdrawal holds and multi-signature protection, your Bitcoin stays safe even if you lose your keys.
AND MORE
- Enable biometric authentication and hide balances for extra privacy.
- Track all your accounts in one place.
JOIN 130,000+ CLIENTS WHO TRUST SWAN
"Swan has been my go-to for years. Their Bitcoin-only focus and emphasis on education set them apart. The combination of low fees and exceptional service makes Swan the only platform I recommend to family." - Swan client
Featured in The Wall Street Journal, Forbes, The New York Times, Bitcoin Magazine, and more.
Questions? Visit http://help.swanbitcoin.com/
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Fold: Bitcoin Personal Finance VS. 
Swan Bitcoin: Buy & SaveJanuary 18, 2026