Comparison
Bitnob Card vs. Fold Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitnob CardBitnob
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foldapp.com29 Oct 2026
Image source
Source
foldapp.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Fold CardFold
In short
- Fewest documents: Fold Card (ID document).
- Fold Card has the best score (6.6).
| Attribute |
Bitnob CardBitnob
|
Fold CardFold
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual | Requires KYC Private Virtual Physical |
| Score | average | good |
| CostsWeight 25 % | 6.5 | 6.8 |
| TrustWeight 20 % | 10.0 | 9.6 |
| KYC and privacyWeight 15 % | 1.5 | 6.5 |
| FeaturesWeight 15 % | 7.6 | 7.7 |
| AvailabilityWeight 10 % | not scored | 2.4 |
| RewardsWeight 10 % | not scored | 5.1 |
| CommunityWeight 5 % | 2.6 | 3.0 |
| KYC | KYC: Full verification | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
prepaid
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards operate on a prepaid model, so users spend only what they load.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
prepaid
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
### Fold Prepaid Debit Card Issued by Sutton BankChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We currently issue virtual USD cards compatible with Visa and Mastercard networks. Each card comes with its own card number, expiry date, and CVV. Physical card issuance is on our roadmap pending part...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Open a Fold account from the app and request your card. Use a virtual card right away while the physical one ships.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card networksame for all |
 
Visa
help.bitnob.com checked 31 Oct 2026
Two sources, two values
ShownVisa
help.bitnob.comchecked 31 Oct 2026
The Cards section is a full virtual Visa card issuance platform.DifferingMastercard bitnob.comfetched 31 Oct 2026 We currently issue virtual USD cards compatible with Visa and Mastercard networks.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 31 Oct 2026 Value wrong? History What does [s] mean? |
Visa
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We will act as your custodian for any Cryptocurrency assets in your Account from time to time. You will be the beneficial owner and have beneficial title to any Cryptocurrency asset held by us as cust...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
foldapp.com checked 30 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Fold uses the second model, through BitGo.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
You must have enough funds loaded onto your Card Account to pay for your purchase and you must have enough funds not subject to a hold (see Merchant Holds on Available Funds).Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
USD
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownUSD
bitnob.comchecked 29 Oct 2026
We currently issue virtual USD cards compatible with Visa and Mastercard networks.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is limited to loads and spends in U.S. dollars ("USD").Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal, business
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fintech apps offering USD spending in emerging markets ### Freelancers spending crypto earnings in USD ### Corporate expense cards funded from treasuryChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Card is for personal use only. You agree not to use the Card for business purposes.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all | unknown |
Sutton Bank (Member FDIC)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend onsame for all |
user setting
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
You can set per-transaction limits, daily spending caps, merchant category restrictions, and geographic restrictions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per accountsame for all |
not published
bitnob.com checked 30 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
The number of cards you can create depends on your account type. Business accounts can create multiple cards for different team members or purposes. Contact support for specific limits based on your p...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Availability | ||
| Available insame for all | unknown | unknown |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, USDT, USDC
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownBTC, USDT, USDC
bitnob.comchecked 29 Oct 2026
Virtual cards are issued in USD and can be funded from any of your available wallets (BTC, USDT, USDC, or NGN). The system automatically converts your funds to USD at competitive rates.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
BTC
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame for all | unknown | unknown |
| Fiat top-upsame for all |
Yes
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownYes
bitnob.comchecked 29 Oct 2026
You can fund virtual cards instantly from your BTC, USDT, USDC, or NGN wallets. Simply select the card you want to fund, choose your funding source, enter the amount, and confirm the transaction.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets · Top-up networks | |
| Payments | ||
| Mobile wallets (differs)same for all |
 
Apple Pay
 
Google Pay
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
For each of the Fold Prepaid Debit Card and Fold Bitcoin Credit Card (defined below), you acknowledge and agree that your use of Apple Pay or other mobile payment platforms in connection with such Car...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
## Tap, swipe, or insert anywhere Visa is acceptedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs)same for all |
1.00 USD
help.bitnob.com checked 30 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
| Card creation fee | 1.00 USD per card |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuance (differs)same for all |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Monthly feesame for all | unknown |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual feesame for all |
0.00 USD
bitnob.com checked 30 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Unlike traditional bank cards, Bitnob Virtual Cards come with low or no fees, making them a cost-effective choice for businesses. You won't have to worry about annual fees, foreign transaction charges...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown | unknown |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion fee (differs)same for all |
not published
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
1 %
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
If you are not a Fold Reserve member, or your Committed Balance is below $5,000, a Transaction Fee of 1% applies to each Fold Bitcoin Buying transaction, including, but not limited to, transactions ma...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Foreign currency feesame for all |
up to 3 % · Foreign purchases
bitnob.com checked 30 Oct 2026
Two sources, two values
Shownup to 3 % · Foreign purchases
bitnob.comchecked 30 Oct 2026
Transaction fee — foreign purchases: cross border fee of up to 3%.Differing0 % bitnob.comfetched 29 Oct 2026 Unlike traditional bank cards, Bitnob Virtual Cards come with low or no fees, making them a cost-effective choice for businesses. You won't have to worry about annual fees, foreign transaction charges...The shown value comes from the source checked more recently. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown |
3.50 USD (Per withdrawal; waived for Fold Reserve members with a Reserve Balance of USD 5,000 or more; ATM operator fees may apply.)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| ATM Withdrawal | $3.50 per withdrawal | This fee is waived for Fold Reserve members with a Reserve Balance of $5,000 or more. You may be charged a fee by the ATM operator even if you do not complete...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown |
free
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Per Purchase | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border feesame for all | unknown |
0 % + 3.00 USD · Flat fee per foreign transaction; waived for Fold Reserve members with a Reserve Balance of $5,000 or more.
foldapp.com checked 30 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Foreign Transaction Fee | $3.00 | This is our fee which applies when you use your Card for purchases at foreign merchants. Some merchant transactions, even if you and/or the merchant are located in...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Account closure feesame for all |
not published
bitnob.com checked 31 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fees Transaction fee — foreign purchases: cross border fee of up to 3%.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
foldapp.com checked 31 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Below is a list of all fees for the Fold Prepaid Debit Card issued by Sutton Bank:Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Dispute feesame for all |
not published
bitnob.com checked 31 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fees Transaction fee — foreign purchases: cross border fee of up to 3%.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
foldapp.com checked 31 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Below is a list of all fees for the Fold Prepaid Debit Card issued by Sutton Bank:Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Minimum top-upsame for all |
3.00 USD
help.bitnob.com checked 30 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
| Minimum top-up | 3.00 USD |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all | unknown |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rule (differs)same for all |
Account may be classified as dormant after an extended period of inactivity; reactivation may require re-verification.
bitnob.com checked 30 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
If your Account remains inactive for an extended period, we may classify it as dormant in accordance with our policies and applicable law. Reactivation may require re-verification, and we may take any...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
The card account becomes inactive after 6 consecutive months without a transaction initiated by the cardholder; the inactivity fee is $0.
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacementsame for all | unknown |
5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Replacement Card (Standard Delivery) | $5.00 | Per replacement card ordered. This fee is for lost or stolen Cards only. No fee will be incurred to replace expired Cards. This fee is waived for Fold...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Unknown for all | Free cards · Top-up fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Withdrawal fee · Activation fee · Declined payment fee · Refund fee · Minimum monthly spend | |
| Rewards | ||
| Cashbacksame for all | unknown | 0.25 % (level 0); 0.25 % (level 5,000); 0.5 % (level 15,000); 1 % (level 25,000); 1.5 % (level 50,000); 2 % (level 75,000); 3 % (level 100,000) · in BTC |
| Referral bonus (invited friend)same for all | unknown |
10 USD
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
## What does the referral-receiver receive? - Your referral gets $10 of bitcoin with their first Fold Debit Card purchase of at least $25. - 100 spinsChecked Verified Value wrong? History What does [s] mean? |
| Referral bonus (you)same for all | unknown |
$5 of bitcoin when the referral spends $25 from their Fold balance, plus 100 spins and Spin Squad earnings of 1–50 sats on qualifying bitcoin purchases or Fold Debit Card use.
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
## What does the referral-giver receive? - You earn $5 of bitcoin when your referral spends $25 from their Fold balance. - Pro-tip: Suggest your friend purchases a Gift Card. Simplest, fastest, and...Checked Verified Value wrong? History What does [s] mean? |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Bitnob Card · Fold Card: promotions and bonuses as well as warnings and incidents.