Available regions
Applications or normal card activation are supported
United StatesUSUnited KingdomGB
- Evidence
- Officially supported
Card database / Mastercard / Visa / Crypto debit card
U
Uphold Card
Updated: Aug 6, 2026
The Uphold Card is a crypto debit card introduced by the established crypto asset platform Uphold, covering the US Visa and UK Mastercard systems. The card is designed to help compliant users in the United States and United Kingdom directly spend their cryptocurrencies, stablecoins, or precious metals on everyday purchases and ATM withdrawals, providing crypto asset holders with a seamless way to connect Web3 assets to real-world payments.
Official and company information
Issuer identity and company credentials
Uphold (uphold.com) is a long-established comprehensive multi-asset digital finance and trading platform headquartered in New York, USA. Founded in 2013, the platform holds an extremely strict global multi-license matrix in legal and compliance terms. Its core holding parent company owns a FinCEN-registered money services business (Uphold HQ Inc.), an SEC and FINRA-registered US securities broker-dealer (Uphold Securities Inc.), and European legal entities licensed by the UK FCA and the EU (Portuguese central bank VASP). It is one of the most highly compliant alternative finance and digital asset custody platforms globally.
Its core strengths and product features include:
Direct exchange of any asset: It pioneered a unique matching and settlement technology that supports direct cross-category exchange among four asset classes—cryptocurrencies, traditional fiat currencies, precious metals, and US stocks (fractional shares)—for example, directly buying US stocks or gold with Bitcoin, without fiat intermediation, significantly reducing transaction costs.
100% real-time reserve proof: The platform's asset transparency is among the industry's highest. It publicly displays reserve reconciliation data of no less than 100% every 30 seconds on its website, and does not participate in any asset lending or misappropriation, ensuring extreme safety of user funds.
Global settlement and card issuance: It provides global users and developers (with a powerful API) a one-stop multi-currency financial account that combines Web2 traditional bank card spending (can be linked to Apple/Google Pay) and Web3 on-chain multi-chain settlement.
- Company / issuer
- Uphold
- Legal name
- Uphold HQ Inc.
- Registered region
- United States (US)
- Headquarters
- Original美国纽约市曼哈顿熨斗区
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Uphold Card is a payment card product offered by Uphold and connected to asset balances in the user's Uphold account. Users can select crypto, stablecoin, fiat currency, or precious metal balances in the account as the source of payment funds. The card uses the Visa debit card system and can be used at merchants worldwide that accept Visa, including for online payments, in-store purchases, and mobile payments.
Uphold Card is currently available in different versions according to region and user type, including the Uphold Essential and Uphold Elite tiers. Essential is intended for ordinary everyday spending, while Elite is intended for frequent spenders and provides higher-tier benefits and a physical metal card. The US version offers options including virtual cards, plastic physical cards, and metal cards. The UK version mainly provides Uphold Card virtual and physical card services.
The product's core function is to connect a digital asset account to a traditional payment network. Users do not need to convert assets manually in advance and can pay using their Uphold wallet balance. Fee structures, reward rules, and available functions differ by region and must be confirmed for the user's location.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
U Uphold Essential Card | U Uphold Elite Card | U Uphold Debit Card | |
|---|---|---|---|
| Card form | Virtual + physical card | Virtual + metal card | Virtual + physical card |
| Fees | |||
| Monthly fee | Free No monthly or annual fee | 99.99 USD Charged annually and auto-renews. | Free No setup fee or annual fee. |
| Card issuance fee | 4.99 USD Free; charged per card | Free And first card free. | — |
| ATM fee | 2.95 USD ATM operator fees not included | Free ATM operator fees not included. | — |
| Foreign exchange fee | 1.5 USD Fixed fee for international transactions | Free Asset conversion fees not included. | Free Asset conversion fees not included. |
| Top-up fee | 3.99% Charged based on top-up method; rate between 0% and 3.99% | 3.99% Charged based on top-up method; rate 0–3.99%. | Free Free deposits from UK banks. |
| Failed transaction fee | Free No fee for payment declines | Free No fee for payment declines. | — |
| Rewards | |||
| Cashback | — | — | 1% Monthly cap of 100 GBP on cash spending. |
| Crypto cashback | 2% Monthly cap of $120 for the first three months | 4% Up to 4% XRP, monthly cap of $300 for the first three months. | — |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | — | — | — |
| Referral bonus | — | — | — |
| Limits | |||
| Daily spending limit | 2,500 USD Cumulative spending per calendar day | 25,000 USD Cumulative spending per calendar day. | 10,000 GBP Up to 50 transactions per day. |
| Monthly spending limit | 10,000 USD Cumulative spending per calendar month | 100,000 USD Cumulative spending per calendar month. | — |
| ATM withdrawal limit | 500 USD Maximum three withdrawals per day; monthly limit of $2,000 | 2,000 USD Up to 3 ATM withdrawals per day; also a monthly limit of 10,000 USD. | 500 GBP 500 GBP per withdrawal, 1,000 GBP per day, up to 2 withdrawals per day. |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
CanadaCAGermanyDENew ZealandNZIcelandISCameroonCMVenezuelaVEPhilippinesPHMaliMLKazakhstanKZUgandaUGSenegalSNUruguayUYSaudi ArabiaSAMaltaMTTajikistanTJU.S. Virgin IslandsVIPanamaPAIrelandIEPolandPLGuinea-BissauGWIranIRRwandaRWGambiaGMAfghanistanAFUnited Arab EmiratesAECzechiaCZJapanJPSlovakiaSKNicaraguaNIZambiaZMCyprusCYParaguayPYZimbabweZWGreeceGRCroatiaHRHaitiHTGuamGUAlgeriaDZJamaicaJMBosnia & HerzegovinaBABurkina FasoBFSouth AfricaZAUkraineUANigeriaNGDenmarkDKArubaAWLibyaLYFinlandFIAustriaATYemenYEPuerto RicoPRSwitzerlandCHMyanmar (Burma)MMEquatorial GuineaGQIndiaINSloveniaSITogoTGItalyITMoldovaMDChinaCNTunisiaTNMauritiusMUMexicoMXGeorgiaGERussiaRULiberiaLRAmerican SamoaASSierra LeoneSLBeninBJRomaniaROEstoniaEEMauritaniaMRSouth SudanSSPeruPEHungaryHUKenyaKEThailandTHGhanaGHNetherlandsNLBelgiumBESwedenSEOmanOMCôte d’IvoireCILithuaniaLTPapua New GuineaPGPakistanPKSomaliaSOPortugalPTEcuadorECQatarQAMozambiqueMZBoliviaBOSingaporeSGBurundiBIMoroccoMAEthiopiaETKyrgyzstanKGJordanJOTrinidad & TobagoTTMalawiMWMadagascarMGCubaCUAlbaniaALGabonGASyriaSYMaldivesMVFranceFRSpainESUzbekistanUZNorth MacedoniaMKSri LankaLKNigerNELuxembourgLUNorth KoreaKPLebanonLBBulgariaBGIndonesiaIDTurkmenistanTMNepalNPSudanSDBangladeshBDEgyptEGMontenegroMEIraqIQSerbiaRSTanzaniaTZLatviaLVTürkiyeTRAngolaAONew YorkKuwaitKWHondurasHNVietnamVNGibraltarGI
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：不可申请；美国或英国已持卡用户可在接受Visa或Mastercard的线上、线下商户及部分ATM使用，移动支付绑卡须完成境外卡验证。
2、香港：不可申请；美国或英国已持卡用户可在国际卡受理商户、线上平台及ATM使用，也可通过Apple Pay或Google Pay进行付款。
3、澳门：不可申请；美国或英国已持卡用户可在接受Visa或Mastercard的商户及ATM使用，实际受理范围由当地商户和收单机构决定
4、台湾：不可申请；美国或英国已持卡用户可在国际卡受理商户、线上平台及ATM使用，订阅付款须保持账单地址和发卡地区一致。
Updated: Aug 6, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
Passport / Driver's license / Government-issued ID / Utility bill / Bank statement / Credit card statement / Lease or mortgage document / Tax document / Government proof of residence
Review time / regional limits
Automated verification can be completed instantly; manual review and supplementary documents extend processing time.
KYC provider
Veriff, Prove, Trulioo
Updated
Aug 6, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 6, 2026
Wallet payments
Alipay
Supported
Aug 6, 2026
Wallet payments
Apple Pay
Supported
Aug 6, 2026
Cash services
ATM withdrawal
Supported
Aug 6, 2026
AI tools
ChatGPT
Supported
Aug 6, 2026
AI tools
Claude
Supported
Aug 6, 2026
Wallet payments
Google Pay
Supported
Aug 6, 2026
AI tools
Midjourney
Supported
Aug 6, 2026
In-person payments
Offline POS
Supported
Aug 6, 2026
Online shopping
Online shopping
Supported
Aug 6, 2026
Wallet payments
PayPal
Supported
Aug 6, 2026
Subscriptions
Subscription payment
Supported
Aug 6, 2026
Wallet payments
WeChat Pay
Supported
Aug 6, 2026
User reviews
Showing 10 approved reviews matched to this card
Uphold: Buy BTC, ETH and 300+ Google Play review - 1 star
Holds your funds for four days because reasons, doenst even let you transfer back to your bank account this was a debit transfer btw avoid at all costs if you want any control over your money avoid this app at all costs.
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 1 star
No reason given and closed my account. SCAM.
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 2 star
Frustrating to use. Their transaction history is poor compared to any actual financial records, the app assumes you have email on the same device, and they have instituted facial recognition with no guarantee of data deletion. None of which is done by more capable institutions.
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 2 star
good until you lock your card it doesn't unlock right away
View original What an utter disgrace of a company.
What an utter disgrace of a company.
My mother is dying of cancer, yesterday they locked my account because of a deposit of $1,170 from a legitimate crypto exchange they put a block on my account.
Previously they asked me to provide some documents which I sent them 8 days ago and they have completely ignored them and yesterday they blocked my account when I received the $1,170 despite me also sending them the paperwork for it.
So because of uphold support not dealing with my ticket and freezing my funds, I will not get to see my mother before she dies as I needed to use that money to book a flight back to London.
I told them about this but they just dont care. I told them if they don't want me to hold an account that is also ok - just let me move my money into a different crypto account.
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 1 star
Great app for watching prices, easy to make purchases, but SO EXPENSIVE! Around 10% on every purchase. 60$ turns into 55$ after buying, for example. And God forbid you sell or trade it cuz that will be another 5$. Absolutely terrible trading/ transaction app. Navigation is confusing compared to others. Last resort crypto transaction app. Download if you want to see prices, blacklist if you want to transact. Youre better off spending money on an Uber to find a crypto atm.
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 3 star
very good digital exchange but why is your ADA Cardano flexible staking rewards so incredibly low? it's not even 1%! ADA is known for giving 5% and that those coins are immediately accessible to withdraw no matter where you are. why would we not be at least receiving 3%? consistently I get less than 1% . when I'm sure your pool is staking and receiving the full 5%. I suppose I could pull them off and put them on a a third party wallet like atomic or Exodus. something to think about I suppose.
View original Yes sir
Yes dit hi hi
View original This is a ripoff
This is a ripoff. If you are thinking of trusting them with your money. Try to speak to someone live before you give them anything. They will freeze your account and play AI games with you. They have a complaint department you called and leave a message. They say they’ll call you back, but you never hear from him. It’s been six weeks for me. Just the complaint department, not counting the four weeks before trying to get things situated. you never speak to a single person but if you choose to send me your money, I’ll give you my information. You can just send it to me and at least tell you where I spend it at. Please don’t give them any run run run run. I listed 2 ticket numbers. Both are for the same problem. They stopped one with no remedy then issue the next one and I have a remedy with that one either. If you’re thinking about giving them a dime, make sure you talk to some person on the phone first I guarantee you you will not be able to get nobody things to go good as long as you’re giving the money off your damn credit card or debit card everything goes fine as soon as you need some assistance, you won’t get it and they will rip you off when they freeze your account.
View original Operations
1. A great deal of difficulty relinking account. Repeated attempts over many days. Finally found some hidden way to delete the account. Then I reconstituted the account and it is now apparently fine.
2. Where is a transaction-pending area? I needed to cancel the transaction. Once again, I just deleted the entire account.
3. Much of the app is user-friendly. Other of it is user-hostile.
View original Risk factors
Updated: Jul 22, 2026
No risk factors are available