How do I fund my Fold Prepaid Debit Card with third-party apps such as Apple Cash, Venmo, or PayPal?

You can use third-party apps to deposit funds in 1 of 2 ways: instantly and ACH.

  • Instant requires linking your Fold Debit Card via the numbers on your card. Deposits are within seconds and usually incur a fee.
  • ACH deposits are free and generally take 1 business day to complete. These deposits require linking your account and routing numbers, which can be found by:
    • Opening the Fold app
    • Tap the menu hamburger in the top left corner
    • Tap Direct deposit

 

Apple Cash

Instantly:

  • Make sure you have an Apple Cash account / have Apple Cash enabled
  • While still in the Wallet & Apple Pay section....
    • click "Add a Card"> select "Credit or Debit" > tap "continue" >and enter your Fold Card details to add your card
  • Return to Wallet & Apple Pay, and select Apple Cash from the list of available payment cards
  • Select Transfer to Bank, and enter the amount you'd like to transfer
    • note: you must have available funds to initiate a transfer and move past this step
  • Select your Fold Debit Card (that you just added) and select Instant Transfer 
    • Apple charges a fee for Instant Transfer. If you prefer not to pay this, you can add your Fold Debit Card account information (using the routing/account number on the "Manually Link a Bank" page) for 1-3 business day transfer. (see below)
  • Confirm the transfer and you will see your funds show up in your Fold app.

ACH:

  • Go to the Manually Link a Bank page. Add the account and routing numbers found in the account tab of your Fold app.
  • Within 1-5 business days you'll get micro-deposits into your Fold account. Go back into Apple and verify the amounts.
  • Follow the above steps. When you go to Transfer to Bank, select your Fold account (not card)
  • Confirm the transfer and you will see your funds show up in your Fold app.

    For additional details on funding via Apple Cash, see Apple's support article
     

Venmo

Instantly: 

  • Add money to your Venmo account.
  • Tap the Me tab in the bottom right corner
  • Tap the Transfer button, located under your account balance
  • Select Instant (not "Up to 3 Biz Days")
  • Select Transfer to and add your Fold Debit Card as a debit card (if you choose "Up to 3 Biz Days," you will not be able to add a debit card, only a bank - do not add your Fold Debit Card as a bank account if you want instant transfers).

ACH:

  • Go to the Me section and tap Settings
  • Tap Payment Methods
  • Add a bank or card and choose Bank
  • Tap Verify bank manually instead
  • Enter the account and routing number found in the Direct deposit page of the Fold app via the Menu button
  • Within 1-5 business days, you'll get 2 deposits into your Fold account. Go back into Venmo when you do and verify the amounts.
  • Go to your wallet and tap Manage > Transfer to Bank > 1-3 biz days and make sure Sutton Bank with the last 4 of your Fold account is selected.
  • Tap Transfer

 

PayPal

To transfer funds to your PayPal Account from your Fold card:

  • Link a Bank Account or Card:

    Bank Account: You'll need to link a bank account that is in the same name as your PayPal account.

    Debit/Credit Card: You can also link a debit or credit card to your PayPal account.
     
  • Add Funds:
    • Go to your Wallet
    • Log in to your PayPal account and go to the Wallet section.
    • Tap Transfer Money
    • Tap Add money to your balance or Add money from your bank or debit card
    • Enter the amount you wish to transfer.
    • Choose the transfer method: You can choose between adding money "in seconds with debit" or "in 3-5 days with your bank".
    • Review the details and confirm the transaction.

      Note: Adding funds via bank transfer can take 3-5 business days, while using a debit card offers an instant transfer option

      You can view this information on PayPal's website here: How do I add money to my PayPal balance from my bank?
       
  • To transfer funds from your PayPal balance to the Fold Card:
     
    • Make sure you have available balance in your PayPal Balance.
    • On PayPal web, you will need to add your destination in your Wallet first (see below for details).
    • Select "Transfer to Bank " (mobile app) or "Transfer Money" > "Transfer to Your Bank" (desktop).
    • Tap Change on the destination.
      • To send instantly (with fee): "Link a new debit card" using the Fold Card details under "Pay/View Card Info."
      • To send in 3-5 business days (free): Add routing and account information found in account tab of the app
      • Select your amount and transfer.

If you need further assistance, we recommend reaching out to either Apple, Venmo, or PayPal since we aren't able to troubleshoot their platforms.

Updated

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