In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews
Finder score
Capital at risk
Trading Fee
Spreads also apply
Deposit methods
Bank transfer (ACH), Debit card, Apple Pay, Google Pay
Available cryptos

Our verdict

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

Uphold offers plenty of different cryptos, a seamless user experience and a straightforward fee structure. Users can also trade precious metals and real-world currencies on Uphold too. Additionally, the platform offers several exciting features like a crypto debit e-money card and proof of stake staking programme.

The main consideration is spread fees. Uphold typically charges between 1.4% and 1.6%spread fees on BTC and ETH transactions in the UK. Spreads will also widen for less liquid cryptos. If market spreads go over 4%, Uphold will notify you so you can choose whether or not to go ahead. Still, overall, Uphold is a solid choice to build a long-term diversified portfolio. However, if you want to learn about other platforms, check out our comparison of the top crypto exchanges.


  • No fiat deposit/withdrawal fees when using bank transfer
  • Expansive list of digital assets
  • Available in 184+ countries
  • Registered with the FCA


  • Limited customer service
  • Certain services are limited to geographical availability (debit card)
  • Crypto withdrawal fees are unclear

In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews


Product details

Product Name Uphold
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 & 274 more
Deposit Methods Bank transfer (ACH)
Debit card
Apple Pay
Google Pay
Trading Fee 0.25%-2.95%
Spreads also apply
Deposit Fees Free
Withdrawal Fees Debit card: 1.75% (min. £1)
Apple Pay/Google Pay: Free
Bank (FPS, SEPA): Free
+ Fee equivalent to $0.99 on selected blockchain networks
+ Fee equivalent to $0.99 on selected smaller trades (under $500)
Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.

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Finder ratings for Uphold

Supported cryptocurrencies★★★★★
Transferring money or assets★★★★★
Fees and costs★★★★★
Ease of use★★★★★
Customer service★★★★★
Overall score3.8

What is Uphold?

Uphold is a multi-asset digital money platform that offers financial services to the global market. The platform was founded in 2013, launched in 2015, and is based in London, UK. It has offices all over the world. The platform is available in 184+ countries and carries over 250 different currencies (both fiat and crypto), as well as commodities.

The platform runs on the motif of being able to “trade anything for anything”. Uphold is a platform for sending cross-border remittance payments while offering savings and investment tools to experienced traders.

Uphold provides multiple features, earning tools, and the ability to introduce third-party apps to a user’s profile. It does carry additional fees for some features and operates on a spread for trading any of its digital assets.

  • If this is your first exchange: Uphold has an easy and quick registration process with an easy-to-navigate UI.
  • If you’re switching exchanges: Uphold has an expansive list of digital assets that go beyond a simple cryptocurrency exchange.

What to know about Uphold

The main aspect of Uphold that users should familiarise themselves with is that Uphold operates on a spread for all its digital assets. This means there is a difference between the buy price and the selling price of each digital asset. The difference in the spread is how the platform makes a profit. Operating on a spread allows the exchange to offer zero deposit fees and minimal withdrawal fees as a result, but it’s important to remember when trading.

Uphold is constantly expanding its digital offerings and features. The exchange recently added a “Take Profit” features that allows users to set an automated limit order to sell an asset when its price goes up by a percentage they set. Another feature that separates it from other exchanges is the enabling of third-party integrations. These integrations enable business users to add apps to their exchange profile for recording taxes, play-to-earn games, and other uses.

Transferring fiat and cryptocurrency

Uphold offers multiple funding options for both fiat and cryptocurrency. If depositing via fiat, users have the option of depositing via bank transfer or debit card. When depositing via bank transfer, users are required to deposit in USD, EUR or GBP.

Crypto deposits are a simple transfer from 1 wallet address to another. You can deposit tier 3 cryptocurrencies from external wallets directly into your Uphold account.

Uphold fees and costs

Fiat withdrawal and deposit fees

Deposits and withdrawals in fiat currency are fee-free via bank transfer or Apple Pay/Google Pay. Users are able to deposit funds through either a crypto transfer or debit card, but these methods incur a charge. Using a debit card to deposit will incur a 3.99% fee, while withdrawing to a debit card has a 1.75% fee. If you withdraw to certain blockchain networks, Uphold will charge you a fee that is equivalent to $0.99.

What is it like to use Uphold?

Uphold has a straightforward layout. Overall, it is an intuitive user experience.

API integration

API integration is a service that businesses can take advantage of for payment processing. API integration allows businesses the ability to receive payments in 1 form and convert it automatically for their own payments into another form, or multiple forms.



Uphold has supplied a glossary on cryptocurrency for its users. The cryptionary page is a good tool for introducing new users to the products.


Does Uphold have good customer support?

Uphold has only a couple of options for customer support options. 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 by submitting a request through the website. The customer support is very responsive with an average time of around 15 minutes.

Support offeredWait times
Contact us formcheck15mins
FAQ pagecheckInstant

List of services on Uphold

Trading on Uphold

Uphold doesn’t have trading fees as such, but trades do use a “spread” (a difference between the bid and ask prices). The spread varies on each digital asset or currency, what they are being traded for, and the region they are being traded in.

Cryptocurrencies. In the UK, US and Europe, cryptocurrencies operate on a spread from 1.4–2.65%.
Precious metals. 1.9-2.65%
Stablecoins and major market FX. 0.25%

Mastercard debit on Uphold

Uphold offers a Mastercard debit card for users. The card has no set up or annual fees, and no foreign transaction fees. You can use it to spend crypto directly from your Uphold wallet or any currency, anywhere in the world. It’s available as a virtual card and as a physical card. Physcial cards will incur a one-time shipping fee of £9.95. There is also a £2.50 fee for making ATM withdrawals in the UK and £3.50 for ATM withdrawals abroad.

Uphold trust rating

Uphold has a strict KYC protocol in place, as well as requiring all of its users to add a 2-Factor Authentication security setting before allowing them to fund and trade on their registered accounts. 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 not experienced any successful hacks to date.

Security audits

Uphold states it undergoes regular security audits and penetration testing, but has no specifics.


Uphold has no insurance in place for users.

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. Whilst crypto trading isn’t regulated in the UK, Uphold is registered with the Financial Conduct Authority (FCA) as a cryptoasset firm, which covers anti-money-laundering and counter terrorist financing rules. It has partnered with a card provider which is authorised by the FCA as an e-money institution.

Signing up on Uphold

  • Step 1. To start the registration process, you can click the “Sign Up” tab in the top right of the homescreen.
  • Step 2. Users will be brought to a registration page where they will need to register an email account to Uphold. They will be sent a verification email with a link. They will then be asked to verify some brief personal information to attach to the account.
  • Step 3. You can now access your account. You will need to verify your ID before you will be allowed to fund your account and begin trading.
  • Step 4. Verifying your ID is straightforward. Uphold will display a link on your screen which you can either continue with on your phone through a provided QR code or a link sent via SMS. You will be required to submit a copy of your ID and a selfie. Once this process is complete, you’re ready to start funding your account and begin trading.

Compare Uphold against other crypto platforms and exchanges

Crypto is unregulated in the UK; there's no consumer protection; value can rise or fall; tax on profits may apply*.
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Disclaimer: Star ratings are only displayed for products with 10 or more reviews.

Frequently asked questions

Crypto platform news & launches

* Cryptocurrencies aren't regulated in the UK and there's no protection from the Financial Ombudsman or the Financial Services Compensation Scheme. Your capital is at risk. Capital gains tax on profits may apply. Cryptocurrencies are speculative and investing in them involves significant risks - they're highly volatile, vulnerable to hacking and sensitive to secondary activity. The value of investments can fall as well as rise and you may get back less than you invested. Past performance is no guarantee of future results. This content shouldn't be interpreted as a recommendation to invest. Before you invest, you should get advice and decide whether the potential return outweighs the risks. Finder, or the author, may have holdings in the cryptocurrencies discussed.

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