FAQs

General

What is Bold?

Bold is a financial platform built for bitcoin holders, combining an FDIC-insured checking account with tools to buy, sell, and store bitcoin securely. It’s perfect for anyone looking to manage fiat and bitcoin in one place. Bold is built by bitcoiners, for bitcoiners. Bold helps you save in bitcoin, spend in dollars, and earn bitcoin on your spending.

How do I buy bitcoin with Bold?

Bold lets you buy bitcoin instantly, directly from your Bold checking account or outside bank. Bold offers the industry’s lowest fees: as low as 0.39% with no added spread. New users pay zero fees on their first $10,000 of bitcoin buys. Bold also lets you set up recurring bitcoin buys to automate your savings.

Is my bitcoin safe with Bold?

Absolutely. With Bold Wallet, your bitcoin is stored on battle-tested infrastructure that has been operating for over 11 years with zero security incidents, and is insured by Lloyds of London for up to $200M. The Bold Wallet is custodied by sFox SAFE Trust, a registered Wyoming trust company, in a bankruptcy remote arrangement.

Bold also lets you secure your bitcoin in self custody with the Bold Vault. The Bold Vault uses a 2-of-3 multisig setup, where you hold two keys and Bold holds one as a backup, protecting against key loss and ensuring peace of mind.

What are the benefits of the Bold card?

The Bold virtual Visa debit card lets you spend dollars online or via Apple Pay or Google Pay and earn up to 10% back in bitcoin rewards on every purchase, in every category. Rewards start at 0.25%, and increase as you buy more bitcoin with Bold.

How do I get started with Bold?

Sign up in minutes to access your checking account, bitcoin wallet, and Visa virtual debit card. Book a free video consultation to learn more. Start today to enjoy zero fees on your first $10,000 of bitcoin buys.

What is the pricing to use Bold?

Bold offers straightforward pricing with no monthly fees for the checking account or multisig vault. bitcoin buys and sells start at just 0.98%. The larger your buy or sell order, the lower the fees you pay. For buys and sells of $5 million or more, fees are only 0.39%, with zero added spreads.

New users enjoy zero fees on their first $10,000 of bitcoin buys as a limited-time offer.
For detailed pricing, visit the Bold Knowledge Center.

Checking Account

What makes Bold’s checking account different?

Bold’s FDIC-insured checking account is built for bitcoiners, and lets you seamlessly convert dollars to bitcoin, pay bills, and spend with ease. It’s the only fully-featured fiat account designed to help you save in bitcoin, spend in dollars, and earn up to 10% bitcoin-back on your card spending.

How does the Bold card work?

The Bold virtual Visa debit card lets you spend at US merchants that accept Visa, online or in person via Apple Wallet and other phone wallets. Sign up today, load your card into your phone, fund your Bold checking account instantly via Plaid, and start spending in minutes. You’re only 10 minutes away from earning sats back on every purchase.

Can I set up direct deposit?

Yes! Direct deposit your paycheck to your Bold checking account for instant access to funds.

How secure is Bold checking?

Your Bold checking account is protected with app-based multi-factor authentication. Your data is secured with robust encryption in transit and at rest. Your dollars are stored at Bold’s partner bank, JPMorgan Trust, N.A., and FDIC insured if the bank were to fail. Bold checking provides top-tier security and privacy, giving you complete peace of mind.

How do I pay bills or send money?

Pay bills, rent, or people using your Bold virtual Visa debit card, ACH transfers, or wire transfers. Send or receive ACH transfers and domestic wires with a click, and instantly spend fiat after selling bitcoin.

Debit Card

What is the Bold card?

The Bold virtual Visa debit card is a purely digital card that lets you spend dollars from your FDIC-insured Bold checking account. You can spend with your Bold card at US merchants where Visa is accepted, including online and in-store via Apple Pay or Google Pay when you link the card to your mobile wallet.

The Bold card lets you earn up to 10% bitcoin back on every purchase across all categories of spending. The more bitcoin you buy with Bold, the higher the bitcoin-back percentage you earn on your Bold card.

How do I earn bitcoin rewards?

Every purchase with your Bold virtual Visa debit card earns you bitcoin back, credited to your Bold rewards account.

Your reward rate on card spending increases the more bitcoin you buy through Bold. You earn the same sats-back percent across all categories of spending.

When you first sign up, you start at Tier 0 and earn 0.25% sats-back rewards on card spending. When you buy $10k of bitcoin with Bold in a 365 day period, you level up to Tier 7, and earn 4.00% sats-back rewards on card spending.

For details and a full list of Tiers and sats-back rewards rates, visit the Knowledge Center.

Does the card have fees?

The Bold card is free to use. There are no signup fees, no monthly fees, no annual fees, and no transaction fees to use the Bold card.

Where can I use the card?

You can spend with your Bold card at US merchants that accept Visa, online or in person via phone based wallets such as Apple Pay and Google Pay.

Do I need to pre-load the card?

No. To spend on your Bold virtual Visa debit card, you only need to fund your Bold checking account with dollars. When you make purchases with the card, the dollars are drawn automatically from your Bold checking account.

Bold Vault

What is the Bold Vault?

The Bold Vault is an easy-to-use self-custody solution that gives you complete control over your bitcoin with maximum security. It uses a 2-of-3 multisig model, meaning that two out of three keys are required to move funds — reducing the risk of theft, loss, or single points of failure.

Designed for both newcomers and experienced users, the Bold Vault removes the complexity often associated with multisig setups. Our intuitive interface makes it simple to secure your bitcoin, without needing to be a technical expert.

You also get access to personalized support from the Bold team, so you can confidently manage your Vault while maintaining sovereignty over your bitcoin at all times.

Book a free consultation to learn about how Bold Vault can help you secure your financial future.

What is multisig?

Multisig (short for multi-signature) is a method of securing bitcoin that requires more than one private key to approve a transaction. Unlike traditional wallets that rely on a single key (and are vulnerable if that key is lost or stolen), multisig wallets distribute signing authority across multiple keys. This adds redundancy, resilience, and protection against theft or user error.

The Bold Vault uses a 2-of-3 multisig setup: any two of three keys are required to move your bitcoin. You control two of the keys, stored on your own secure hardware wallet devices, and Bold holds the key third as a backup.

This means:
- You remain in control of your funds at all times.

- No single point of failure, such as a lost hardware wallet, can compromise your bitcoin.

- Bold cannot move your bitcoin without your approval.

Multisig is one of the safest ways to store bitcoin long-term. The Bold Vault makes it simple and accessible for everyone.

Can Bold move my bitcoin?

No. Bold cannot move your bitcoin without your direct involvement. The Bold Vault uses a 2-of-3 multisig system, which means that two keys are always required to withdraw bitcoin. Since Bold holds only one key and you control the other two, Bold alone is never able to access or transfer your funds.

With Bold Vault, You retain full control over your bitcoin at all times. Even in the unlikely event that Bold were offline or no longer operating, your two keys are sufficient to move your bitcoin without any assistance. This structure gives you both independence and security, with Bold available as a backup, not as a gatekeeper.

Why does Bold hold a key?

Having Bold hold one of the three keys in your Bold Vault 2-of-3 multisig setup adds an extra layer of safety, convenience, and support, without compromising your control.

The benefits include:

1. Backup in emergencies: If you lose access to one of your two keys, Bold can co-sign with your remaining key to help you recover your bitcoin.

2. Backup for convenience: If you are traveling, you may want to travel with only one of the hardware wallet keys to your Bold Vault. In this case, Bold can sign transactions with you collaboratively to withdraw funds from your Bold Vault.

3. Peace of mind: You maintain sovereignty over your bitcoin, while Bold stands by as a security partner, not as a custodian.

4. No single point of failure: Because Bold holds just one of three keys, it can never move funds alone, and cannot block you from accessing your bitcoin.

This setup gives you the confidence and resilience of institutional-grade custody, while keeping you in full control.

What is the pricing of Bold Vault?

Bold Vault is free to use, with no monthly fees and no hidden charges. You can set up your Vault, manage your keys, and access your funds without paying anything.

The only fee is a $10 signing fee when you request Bold to co-sign a withdrawal transaction with you. This fee only applies if you choose to involve Bold in the signing process.

There are no other fees—no setup fees, no subscription costs, and no charges for storing your bitcoin securely with the Vault.

Can I access my Bold Vault without Bold?

Yes, you can access your bitcoin in the Bold Vault independently of Bold using open source software and your sovereign backup file. The Bold Vault uses a 2-of-3 multisig setup, where you hold two private keys and Bold holds one. With your two keys, you can access your funds using Sparrow, Specter, or Electrum, even if Bold is unavailable.

Do I need hardware wallets to use Bold Vault?

Yes, you will need two hardware wallets to use Bold Vault. You can set up your Bold Vault using hardware wallets that you’re already using to store bitcoin, because Bold Vault works independently of each hardware wallet’s standard functionality. Bold supports popular hardware wallets, including Trezor, Ledger, and Coldcard. See the full list of supported wallets in the Knowledge Center.

How do I set up my Bold Vault?

To set up your Bold Vault, sign up for a Bold account and navigate to the Vault section of the Bold platform. Follow the prompts to create a 2-of-3 multisig wallet. In this process, Bold registers its own key, and you register two keys, one from each of your two hardware wallets that you use with Bold Vault. Download and safely store your sovereign backup file, and you are ready to deposit to your Bold Vault. Follow the detailed Vault Setup Guide in the Knowledge Center for additional help.

Is Bold Vault insured?

No, Bold Vault does not carry insurance coverage. With its 2-of-3 multisig structure, you maintain direct ownership of your bitcoin through your private keys held by you. Coins in Bold Vaults are not custodied by Bold.

Bold Vault eliminates counterparty risk, as Bold cannot unilaterally move your coins without your participation. You enjoy the benefits of having Bold as a backup signer, while retaining complete control.

How is Bold Vault free?

Bold believes that taking self custody is important to the long term success of the bitcoin network. As such, we want to make multisig self custody easy and accessible for everyone. That is why we offer Bold Vault without any monthly fee. Bold makes money when you buy and sell bitcoin, which is easy to do when you set up your bitcoin cold storage with Bold Vault.

Frequently Asked Questions

General

Checking Account

Debit Card

Bold Vault