Abstract: A currency holding folder having a bottom panel, a cover and a top flap holds bills of currency to form a packet of a predetermined thickness which can be checked by feelers to determine full loading. The top flap has an end cutout to provide clearance for a gripper of an inserting machine, and the top flap is narrower than the bottom panel so that the top flap does not go under a hold-down guide. The top flap is shorter than the bottom panel which has a corner cutout to expose the corners of currency bills in the folder. The cover is of substantially the same width as the bottom panel so that the front edge of the cover is at the edge of the folder.