Uphold Cryptocurrency Platform – February 2023 review

Introducing Uphold, a multi-currency wallet that supports cryptocurrency, fiat currency and even precious metals.

Uphold is a digital money platform where users can buy, convert and store a wide range of assets. Not only does this virtual support 8 popular cryptocurrencies, but you can also exchange more than 20 fiat currencies and 4 precious metals.


Fiat currencies




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 & 233 more
Deposit Methods Bank transfer (ACH)
Credit card
Debit card
Apple Pay
Google Pay
Trading Fee $1 flat fee on trades <$100
Spreads also apply
Deposit Fees Bank transfer: None
Credit card: 3.99%
Debit card: 2.49%
Google Pay: None
Withdrawal Fees Cryptocurrency: $2.99 + coin fees
Bank transfer: None
Credit/debit card: None
Google Pay: None
Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

What is Uphold?

Uphold is a cloud-based financial services platform that supports more than 30 currencies (both fiat and crypto) and is available to users in over 180 countries. This digital wallet is designed to make it quick and easy to store assets, send funds to other Uphold users around the globe and instantly exchange between currencies.

Operating on a 100% reserve model, Uphold backs all member stores one-for-one with its own holdings. Since its launch in 2015, the platform has supported more than $3 billion in transactions. Uphold is headquartered in the United States.

Compatible with:

  • Web browsers
  • iOS 9.0 or later
  • Android 4.1 and up

How much does it cost?

It’s free to sign up with Uphold and create a wallet. However, depending on the funding method you select, you may need to pay deposit and/or withdrawal fees.

Fees and limits on Uphold

What are Uphold’s deposit fees and limits?
Deposit methodFeeLimit
Debit/credit card3.99%Minimum: $50/€50/£50 per day

Maximum: $500/€500/£500 per day

Bank transfer (ACH)FreeMinimum: $50 per day

Maximum: $500 per day

Bank transfer (SEPA)FreeMinimum: €75/£100 per transaction
Bitcoin (BTC)FreeNone
Litecoin (LTC)FreeNone
Ethereum (ETH)FreeNone
Basic Attention Token (BAT)FreeNone
Bitcoin Cash (BCH)FreeNone
Dash (DASH)FreeNone
Bitcoin Gold (BTG)FreeNone
Ripple (XRP)FreeNone

Which currencies can I store?

Uphold supports the following cryptocurrencies:

  • Bitcoin (BTC)
  • Litecoin (LTC)
  • Ethereum (ETH)
  • Basic Attention Token (BAT)
  • Bitcoin Cash (BCH)
  • Dash (DASH)
  • Bitcoin Gold (BTG)
  • Ripple (XRP)
You can also use Uphold to store the following fiat currencies:
  • Australian dollars (AUD)
  • US dollars (USD)
  • Euros (EUR)
  • British pounds (GBP)
  • Chinese yuan (CNY)
  • Japanese yen (JPY)
  • Swiss franc (CHF)
  • Indian rupee (INR)
  • Mexican pesos (MXN)
  • Canadian dollars (CAD)
  • Hong Kong dollars (HKD)
  • New Zealand dollars (NZD)
  • Singapore dollars (SGD)
  • Kenyan shillings (KES)
  • Israeli shekel (ILS)
  • Danish krone (DKK)
  • Norwegian krone (NOK)
  • Swedish krona (SEK)
  • Polish zloty (PLN)
  • Argentine peso (ARS)
  • Brazilian real (BRL)
  • United Arab Emirates dirham (AED)
  • Philippine peso (PHP)
Precious metals are also supported, including:

  • Gold (XAU)
  • Silver (XAG)
  • Platinum (XPT)
  • Palladium (XPL)

How do I add currency to my wallet?

There are multiple funding options available with Uphold including bank transfer, credit/debit card deposit and cryptocurrency transfer. However, the options available to you may vary depending on where you live. For example, if you’re an Indonesian user, bank transfers and credit/debit cards aren’t available yet, so you’ll need to use the cryptocurrency deposit option.

Quick guide: How to add crypto to your Uphold wallet

To add cryptocurrency to your Uphold wallet, you’ll need to:

  1. Choose the Uphold money card you want to use and click “Add Funds”.
  2. Select the “Fund with cryptocurrency” option.
  3. Choose the cryptocurrency you want to send.
  4. Copy your wallet address or scan the QR code.
  5. Use this information to initiate the funds transfer from your external wallet.

How do I make payments with Uphold?

Quick guide: How to make crypto payments with Uphold

To transfer cryptocurrency from your Uphold account, you’ll need to:

  1. Choose the Uphold money card you want to use and click “Use Funds”.
  2. Select the “Send to cryptocurrency address” option.
  3. Enter the address of the wallet you’re sending funds to.
  4. Enter the amount you’re sending and the currency of your choice.
  5. Click “Confirm”.

How secure is Uphold?

Uphold 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, for example 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, and in Europe, it’s partnered with an Authorized Payment Institution regulated by the UK Financial Conduct Authority. As Uphold is a regulated financial service provider, it must also comply with global anti-money laundering controls.

Where can I get Uphold?

It’s free to sign up for an Uphold web wallet at uphold.com. If you want to manage your cryptocurrency on the go, mobile apps are available for download from Google Play (for Android devices) or the App Store (for Apple devices).

Pros and cons


  • Supports multiple cryptos, fiat currencies and precious metals
  • Easy to set up and use
  • Mobile apps also available
  • Supports two-factor authentication
  • Quick and simple to send funds to any other Uphold user around the world

  • You may not be able to access all account funding methods in your country of residence
  • Conversion fees apply when buying or converting between currencies
  • Other wallets support a wider range of cryptocurrencies

What are the next steps if I want to sign up to Uphold?

If you’d like to sign up for an Uphold account, click one of the green “Go to site” links on this page and you’ll be securely redirected to the Uphold website. You can then register by providing your email address, country of residence and mobile number.

To become a verified member, you’ll also need to provide:

  • Your current residential address
  • Government-issued ID
  • A clear photo of your face

Finally, don’t forget to enable two-factor authentication on your account before proceeding any further.

Frequently asked questions

Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Privacy Policy.
Go to site