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: Sep 20, 2026
The Uphold Debit Card is directly linked to the user's Uphold custodial asset account, eliminating the need to maintain a separate card balance; users can select fiat currency, stablecoins, crypto assets, or precious metals from their Uphold wallet to fund their spending. When paying with non-cash assets, the platform converts the required assets to settle the transaction in fiat currency, allowing the diverse assets held in the account to serve directly as funding sources for the card.
- Card network
- Product type
- Crypto debit card
- Card form
- Virtual + physical card / Virtual + metal card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USDT
USDC
BTC
ETH
SOL
XRP
DOGE
AVAX
LINK
LTC
BCH
DAI
XLM- Last updated
- Sep 20, 2026
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
- Flatiron District, Manhattan, New York City, United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
The card functions as an extension of the Uphold multi-asset trading account; its core feature is that it draws directly from the user's existing Uphold account assets, eliminating the need to transfer funds into a separate prepaid card wallet. Users can switch the funding source within the app, allowing the same card to utilize cash, stablecoins, cryptocurrencies, or other supported assets for spending; when crypto assets are involved, they are converted during the payment process to facilitate settlement. The product currently operates primarily in the US and UK markets, though the two regions utilize different card issuance and account architectures; the US market further distinguishes between "Essential" and "Elite" card plans.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when 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 language support
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
Availability in English-Speaking Markets
1. United States：Can apply，Can use，Residents in eligible U.S. states can apply after identity verification, but Louisiana, New York and U.S. territories are excluded from the card program.
2. United Kingdom：Can apply，Can use，UK residents are included in the current card program, while Crown Dependencies and British Overseas Territories are excluded.
3. Canada：Cannot apply，Can use，Canada is outside the current card issuance program and Uphold currently lists the country as unsupported for its services, but eligible cards issued elsewhere can still be used locally.
4. Australia：Cannot apply，Can use，Australian residents are outside the current U.S. and UK issuance program, but eligible cards issued in supported regions can still be used in Australia.
5. South Africa：Cannot apply，Can use，South African residents are not included in the current card issuance regions, but eligible cards issued in the U.S. or UK can still be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand residents are outside the current card issuance program, but eligible cards issued in supported regions can still be used in the country.
7. Ireland：Cannot apply，Can use，Ireland is outside the current card issuance program and Uphold is currently unable to offer new accounts there, but eligible cards issued elsewhere can still be used locally.
Updated: Sep 15, 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
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 10 approved reviews matched to this card
Uphold: Buy BTC, ETH and 300+ Google Play review - 5 star
good app a lot of utility
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 1 star
Not able to login to check my $30k+ investment
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 1 star
this is the worst trading platform I've ever seen. I was a new account. when I tried to sell I missed my trade because it took a half hour to try to figure out how to sell. l have three college degrees including an honorary doctorate. but trying to sell is like navigating a maze. and of course you can speak with a broker on these sites. if they can't create a site easy to navigate they don't deserve your business. I'll be moving my money somewhere else.
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 5 star
You make moving money so easy
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 4 star
loving the adventure 😃
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 5 star
Smooth and easy user interface. Many tokens are available. Leading in updates for staking and yield. Simple token transfer and swap system. Recommended 100%
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 1 star
App wants to scan my face.
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 5 star
fast
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 5 star
awesome app
View original Uphold: Buy BTC, ETH and 300+ Google Play review - 1 star
their customer service is non-existent.... I can't even contact a real person to resolve a simple password reset... somehow both my Gmail account and my password where not saved
View original Risk factors
Updated: Jul 22, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Uphold Card require KYC?
Our record lists the Uphold Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Uphold Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up Uphold Card with?
Our record lists Uphold Card support for: USDT, USDC, BTC, ETH, SOL, XRP, DOGE, and AVAX (13 in total).
Is Uphold Card a virtual or a physical card?
Uphold Card is offered as: Virtual + physical card and Virtual + metal card.
Where is Uphold Card available?
Our record lists 2 countries or regions as available and 134 as restricted. Country-by-country status is in the regions section of this page.
Who issues Uphold Card?
Uphold Card is operated by Uphold on the Mastercard / Visa network.