In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews
  • Ask a question
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Uphold - Digital Asset Platform
3.0
★★★★★
Finder score
Go to site
Fiat currencies
27
Supported assets
274
This is not financial advice or an endorsement of digital assets, providers or services. Digital assets are volatile and risky, and past performance is no guarantee of future results. Potential regulations or policies can affect their availability and services provided. Talk with a financial professional before making a decision. Finder or the author may own cryptocurrency discussed on this page.

Our verdict

Uphold lets you “trade anything for anything”, supporting trades of cryptocurrency, fiat currency and even precious metals.

Uphold supports a selection of cryptocurrencies, precious metals and national currencies for you to trade.

The exchange boasts of being a platform on which you can trade “anything to anything.” In other words, you can trade trade directly between asset classes without having to trade back through fiat currency. These include cryptocurrencies, national currencies and precious metals.

However, you have to pay for the convenience of trading between asset classes, as Uphold’s spread fees are relatively high.

Pros

  • Trade across asset classes. Using Uphold, you can trade from crypto to precious metals or other available asset classes without having to convert to fiat currency.
  • Advanced order types. Set limit orders and put stop losses in place to both lock in profits and prevent severe losses.
  • Learn from educational content. Read Uphold’s blog to learn more about digital assets and the products associated with them.
  • Asset and liability transparency and reserves. Uphold is 100% reserved. Reserves are never loaned out and Uphold publishes its assets and liabilities in real time on its website.

Cons

  • Limited access to services and assets in certain jurisdictions. You can only apply for the Uphold debit card if you live in certain regions. Some crypto assets are also only available in certain regions.
  • Staking is available but not for US residents. Uphold offers staking at rates up to 13% but staking is not available for US users.
  • Not available to all US residents. Uphold is only available in 42 states. You can not use Uphold if you are a resident of California, District of Columbia, Louisiana, Massachusetts, Montana, Nebraska, New York, Virginia and Wisconsin.
  • No live chat or phone-based customer support. Uphold does not have a live customer support service. Instead you will need to consult the FAQ or contact Uphold via email, which may take several days to receive a reply.

In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews
  • Ask a question

Details

Product details

Product Name Uphold - Digital Asset Platform
Fiat Currencies USD, GBP, AUD, EUR, CAD, CNY, JPY, SGD, INR, NZD & 17 more
Cryptocurrencies BTC, ETH, XRP, BCH, EOS, LTC, ADA, XLM, TRX, NEO, USDT, USDC, DAI & 261 more
Deposit Methods Bank transfer
Credit card
Debit card
Bank transfer (SEPA)
Apple Pay
Google Pay
Trading Fee Trading: $.99 for trades under $500
Spread: Up to 1.5%
Deposit Fees Debit/Credit Card Transactions: 2.49%
Bank transfer: None
Google Pay: None
Withdrawal Fees Debit/Credit Card Transactions: 2.49%
Cryptocurrency: Subject to network fees
Bank transfer: None
Google Pay: None

3.6

Finder Score

★★★★★

About Uphold — company background

The platform was founded in 2013, launched in 2015 and is based out of London, UK.

It currently has offices all over the world.

The platform is available in 184+ countries and supports trading for over 200 different currencies (both fiat and crypto) as well as commodities.

Listed Uphold crypto exchange assets

Uphold supports over 274 cryptocurrencies. In total, Uphold carries 18 of the top 20 cryptos by market cap.

Popular assets on Uphold
supports
Bitcoin (BTC)
supports
Ethereum (ETH)
supports
Tether (USDT)
does not support
BNB (BNB)
supports
Solana (SOL)
supports
USDC (USDC)
does not support
Lido Staked Ether (STETH)
supports
XRP (XRP)
supports
Dogecoin (DOGE)
supports
Toncoin (TON)
supports
Cardano (ADA)
supports
Shiba Inu (SHIB)
supports
Avalanche (AVAX)
supports
Wrapped Bitcoin (WBTC)
supports
Polkadot (DOT)
supports
Bitcoin Cash (BCH)
supports
TRON (TRX)
supports
Chainlink (LINK)
supports
NEAR Protocol (NEAR)
supports
Polygon (MATIC)

Uphold fees

Deposit & withdrawals fees

Transaction type Fee
Deposit funds Debit/Credit Card Transactions: 2.49%
Bank transfer: None
Google Pay: None
Withdraw funds Debit/Credit Card Transactions: 2.49%
Cryptocurrency: Subject to network fees
Bank transfer: None
Google Pay: None
Other fees

Uphold charges a [US$0.99] transaction fee on all transactions between assets where the amount transacted is under [US$100] in value.

*There is a 65-day cooling-off period whenever a user deposits USD using the ACH network. This also applies to withdrawing crypto that was purchased using USD that was funded using this network.


Type Fee
Spread Cryptocurrencies: 0.8–1.2%
Precious Metals: approximately 3%
Fiat Currencies: about 0.2% for most major national currencies

Spread fee explained. A spread is the difference between the purchasing price and sale price of an asset and can be thought of as a markup. A spread fee is usually only apply to instant purchases and not the spot market. If a platform advertises zero fee trading then beware that they may charge a spread instead.

Uphold deposit methods

  • Bank transfer
  • Credit card
  • Debit card
  • Bank transfer (SEPA)
  • Apple Pay
  • Google Pay

How to sign up on Uphold exchange

Before you can even get started trading on Uphold, you have to go through the rigorous verification process (which usually involves providing proof of identification). This can take time. The reason for this is Uphold's commitment to certifications and compliance with regulations and insurers.

  1. Get started
    After selecting the Get Started button, fill in the create account form.
  2. Set up payment
    Before you can start trading, you have to add your bank account to your Uphold account. There are several options to choose from, so choose the option most compatible.
  3. Provide identification
    Before you can make withdrawals and increase your transaction limits, you must submit proof of address and some additional identification. Use either a passport or a driver's license for this.
  4. Start trading
    After all that is processed, you're ready to trade on Uphold.
Create Uphold account

Using the Uphold app

You can download Uphold’s mobile app on either Android or iOS devices. The app makes it easy to manage your account on-the-go.

Is Uphold safe?

Uphold has a strict KYC protocol in place. The platform also requires all of its users to add a 2-factor authentication security setting before allowing them to fund their registered accounts and trade on them.

Uphold holds 90% of its digital assets in cold storage and is audited quarterly to verify its solvency.

Past hacks. Uphold has been operating since 2015 and has never been hacked.
Security audits.Uphold states it undergoes regular security audits and penetration testing.
Insurance. Uphold has no insurance in place for users.

Uphold also offers several security measures to help protect user funds, including:

  • Two-factor authentication. Uphold supports two-factor authentication methods so you can set up an extra layer of security on your account.

  • Encryption. The private keys of customers are encrypted to protect against hacking.

  • 24/7 monitoring. Uphold's Security Operations Center monitors its systems 24/7 to detect suspicious activity.

  • Team security. Uphold also claims that its staff must adhere to strict security measures like undergoing thorough background checks and using two-factor authentication on all administrative accounts.

  • Regulation. Uphold is regulated by the United States Treasury Department regulator, FinCEN. Whilst crypto trading isn’t regulated in the UK, Uphold is registered with the Financial Conduct Authority (FCA) as a crypto asset firm, which covers anti-money-laundering (AML) and counter terrorist financing (CFT) rules. It has partnered with a card provider which is authorized by the FCA as an e-money institution. This provides some protection for your fiat deposits but not as much as you'd get from a bank.

  • Keeping your crypto secure

    All centralised exchanges, including Uphold, are vulnerable to counterparty risks like hacking, theft and insolvency. Using a self-custodial or hardware wallet is widely accepted as the best way to improve the security of your funds. We've shared some of our top picks below.

    Ledger Nano X Wallet

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    9,000+

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    Uphold customer support

    Users can visit the FAQ page which has a list of the most frequent issues that users have come across with their remedies.

    If a user wishes to speak directly to customer service, they can do so through the Contact Us form.

    The customer support is very responsive, with an average time of around 15 minutes.

    How to reach Uphold customer support

    • Contact form
    • Email

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    Avatar

    CLAUDIA

    August 12, 2019

    I am having serious problems with uphold.com . They are not responding to my emails. I have 4600 EUR stuck in the account and they refuse to refund them! The money was sent from my bank account I want them refunded in the same account. I don’t know what to do! Please advise !


    Avatar

    fayemanuel Finder

    August 13, 2019

    Hi Claudia,


    Thanks for contacting Finder.


    I’m sorry to hear your news. As we know, cryptocurrency does have a lot of process involved once you have invested on it.


    For this matter, they might need more information on what is evidently happening to your money. We recommend for you to contact Uphold. They might have a customer support team who can help you about your concern and discuss with them in detail what is happening to your money.


    Hope this helps!


    Would you need additional assistance please feel free to chat with us using the chat box at the lower right hand corner of the page.


    Regards,

    Faye


    Show more Show less
    Avatar

    Elio

    March 04, 2019

    When will Uphold Cryptocurrency Platform be available in New York?


    Avatar

    Joshua Finder

    March 05, 2019

    Hi Elio,


    Thanks for getting in touch with Finder. I hope all is well with you. 😃


    Uphold Cryptocurrency Platform is available in the United States and thus, it should be available in New York as well. Moreover, it is worth noting that this platform is also available to users in over 180 countries.


    I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.


    Have a wonderful day!


    Cheers,

    Joshua


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    Avatar

    Mahambet

    December 28, 2018

    Does Uphold support Mongolia?


    Avatar

    Charisse Finder

    December 29, 2018

    Hi Mahambet,


    Thanks for reaching out to finder.


    Yes, Mongolia is one of Uphold’s supported countries. If you are a member, you can hold, trade, and withdraw values using their platform.


    I hope this helps.


    Cheers,

    Charisse


    Avatar

    Sean

    September 22, 2018

    I know there is a daily limit for usd withdraw. But what about xrp? If I decide to cash out then can I withdraw any amount at once? The market fluctuates so it would be ideal to withdraw all at once in order to avoid the value dropping.


    Avatar

    Joshua Finder

    September 25, 2018

    Hi Sean,


    Thanks for getting in touch with finder. I hope all is well with you. :)


    According to our table, there’s no specific maximum withdrawal limit for XRP. However, there’s minimum withdrawal limit which is 0.001 XRP.


    I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.


    Have a wonderful day!


    Cheers,

    Joshua


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