Multi-asset platform supporting crypto, metals, and currencies.
KYC verification: Same day
Available in: US, UK, FR, DE, IT, ES
Australians who need quick card-based crypto access and are comfortable with card fees
No bank payment methods available. If your bank declines the card payment, try a different card or a bank-friendly AU exchange
Primary Debit Card
Card deposits are instant at checkout. Uphold's payment methods table shows non-US/UK/EEA customers are primarily card-funded.
⚠ Australian bank cards can decline exchange-style purchases due to fraud rules, 3DS checks, or merchant risk settings
⚠ Some users expect a bank transfer option, but Uphold's published payment methods table shows non-US/UK/EEA customers are primarily card-funded
Trading Fees
Card deposits 3.99%. $0.99 smaller trades fee for trades below $250 with specific exceptions.
Deposit Fees
In AU, funding is typically card-first with 3.99% deposit fee. Network withdrawal fees also apply.
Why did my Australian bank decline the Uphold card deposit?
Many banks treat crypto purchases as higher-risk card payments and may require extra verification or block the merchant category. Retry with a different card or complete any bank 3DS prompts.
Can I fund Uphold in Australia using a bank transfer?
Uphold's published payment methods table does not list local bank payment methods for non-US/UK/EEA customers. If you need bank transfer funding, use a bank-friendly exchange in Australia.
Why do I not see an AUD cash balance option?
Uphold's fees table notes that for non-US/UK/EEA customers you may only fund with fiat by purchasing crypto, rather than depositing fiat directly.
What is the fastest way to test if my bank will allow Uphold funding?
Do a small card purchase first. This surfaces fraud checks early without tying up a large amount.
US users who want fee-free ACH funding with instant trading capability
Card deposits are fast but pricey at 3.99%, and ACH withdrawals are subject to settlement timing
Primary ACH Transfer
ACH deposits are instantly available to trade, but withdrawals follow settlement rules. Wire transfers typically take 1 to 3 business days and first-time transfers can take longer.
⚠ ACH can be instantly tradable but withdrawals can be delayed by settlement timing, which surprises first-time users
⚠ Wires can be delayed if your bank needs extra verification for a first-time beneficiary or if the wire is sent with incorrect details
FinCEN-registered Money Services Business (Uphold HQ Inc.).
Last verified: 2026-01-16 · View source
Trading Fees
ACH deposits free. Card deposits 3.99%. Wires free for amounts at or above $2,000 or $10 below $2,000. $0.99 smaller trades fee for trades below $250.
Deposit Fees
ACH is fee-free and the cheapest option for US users.
Why can I trade right away after ACH, but I cannot withdraw immediately?
Uphold's ACH notes explain you may trade instantly but withdrawals are subject to settlement timing. If you need immediate outbound transfers, plan for settlement.
Why did my wire transfer take longer than 1 to 3 business days?
Uphold notes that first-time wires can take longer due to initial bank checks. Confirm your bank's cutoff times and that the wire details match exactly.
Why is my card deposit failing even though my card works elsewhere?
Crypto-related card payments often trigger extra bank fraud rules. Call your bank, or switch to ACH.
What is the cheapest funding method on Uphold in the US?
Uphold's fee table lists ACH deposits as free, while card deposits have a 3.99% fee. Use ACH where possible.
UK users wanting near-instant, fee-free GBP bank transfers with FCA registration
Most delays are bank-side checks on first-time exchange payments, so add the payee early and test with a small transfer
Primary Faster Payments
Uphold lists GBP bank account deposits and withdrawals in a few seconds. SEPA can range from instant to 3 business days depending on the route and bank.
⚠ Bank transfers can fail or delay when reference fields are missing or the payment is flagged by your bank's fraud controls
⚠ Users sometimes expect Google Pay, but Uphold's payment methods table shows Google Pay as not available for EU/UK customers
FCA-registered for certain cryptoasset activities (Uphold Europe Limited).
Last verified: 2026-01-16 · View source
Trading Fees
GBP bank account and SEPA deposits are free. $0.99 smaller trades fee for trades below $250 with exceptions.
Deposit Fees
Bank rails are free on Uphold's fee table, so the main cost is trading-related and small trade sizing.
Why is my UK bank transfer to Uphold delayed even though Faster Payments is usually instant?
Banks often hold first-time payments to crypto platforms for fraud review. Add Uphold as a payee, approve any prompts, then retry a small transfer.
Why do I not see Google Pay as a funding option in the UK?
Uphold's payment methods table shows Google Pay as not available for EU/UK customers. Use debit card or bank transfer instead.
What is the cheapest way to fund Uphold in the UK?
Uphold's fee table lists GBP bank account deposits as free. Start with bank transfer.
Why did my transfer fail after I entered the wrong reference?
If a reference is required and missing, payments can be delayed or mismatched. Recreate the deposit instructions and resend only after confirming the reference format.
Uphold is not available in Canada
Uphold stopped supporting Canadian resident accounts as of June 11, 2025. Remaining access is limited to CAD withdrawals only.
German users wanting fee-free SEPA funding with EU regulatory oversight
If you want fewer payment issues, start with SEPA and use card only when you need instant access
Primary SEPA Instant
Uphold lists SEPA deposits as instant to 3 business days depending on the route and bank. Card funding is instant, but bank transfers are usually cleaner for larger EUR deposits.
⚠ SEPA transfers can delay when the beneficiary details or reference do not match the deposit instructions
⚠ First-time SEPA payments to a crypto platform can be held by your bank's fraud checks
Virtual assets service provider registered with the Bank of Portugal (Uphold Digital Assets Europe, Unipessoal, Lda.).
Last verified: 2026-01-16 · View source
Trading Fees
SEPA deposits are free in the EEA. $0.99 smaller trades fee for trades below $250 with exceptions.
Deposit Fees
Bank payment methods are free, so the main cost is trading-related and small trade sizing.
Why is my SEPA deposit still not credited on Uphold?
Uphold lists SEPA as taking up to 3 business days depending on the route. Double-check beneficiary details and any reference fields, then wait the full window before escalating.
Why did my German bank hold the transfer to Uphold?
Banks often pause first-time transfers to crypto platforms for fraud review. Approve any prompts in your banking app and retry a small amount first.
Is SEPA Instant always instant for Uphold?
No. Uphold's payment methods table lists SEPA as ranging from instant to 3 business days. Your bank and the route determine timing.
What is the cheapest way to fund Uphold in Germany?
Uphold's fee table lists SEPA deposits as free in the EEA, while card funding is mainly a convenience rail. Start with SEPA.
French users wanting fee-free SEPA funding with EU regulatory oversight
Most deposit problems are bank-side payee checks or reference mistakes, so set up the beneficiary early and run a test
Primary SEPA Instant
Uphold lists SEPA as instant to 3 business days depending on the route and bank. Card deposits are instant but can be blocked by issuer controls.
⚠ SEPA deposits delay when payee details or references are incorrect, or when the bank flags the payment for review
⚠ Users expect Google Pay, but Uphold's payment methods table shows Google Pay as not available for EU/UK customers
Virtual assets service provider registered with the Bank of Portugal (Uphold Digital Assets Europe, Unipessoal, Lda.).
Last verified: 2026-01-16 · View source
Trading Fees
SEPA deposits are free in the EEA. $0.99 smaller trades fee for trades below $250 with exceptions.
Deposit Fees
Bank payment methods are free, so the main cost is trading-related and small trade sizing.
Why is my SEPA transfer to Uphold taking longer than expected?
Uphold lists SEPA as instant to 3 business days depending on the route. Verify payee details and references, then allow up to 3 business days.
Why do I not see Google Pay in France?
Uphold's payment methods table shows Google Pay as not available for EU/UK customers. Use SEPA or debit card.
Which French banks tend to add friction to crypto transfers?
It depends on fraud controls and your account history. Compare Crypto Compatibility Scores on our bank pages.
What is the cheapest funding method for EUR?
Uphold's fee table lists SEPA deposits as free in the EEA. Start with SEPA.
Italian users wanting fee-free SEPA funding with EU regulatory oversight
Most transfer issues are bank-side checks or mismatched payment details, so do a small SEPA test first
Primary SEPA Instant
Uphold lists SEPA as instant to 3 business days depending on the route and bank. Card deposits are instant but can be blocked by issuer controls.
⚠ SEPA timing varies by bank and route, and delays happen when beneficiary fields or references are wrong
⚠ Some banks hold first-time SEPA payments to crypto platforms for verification
Virtual assets service provider registered with the Bank of Portugal (Uphold Digital Assets Europe, Unipessoal, Lda.).
Last verified: 2026-01-16 · View source
Trading Fees
SEPA deposits are free in the EEA. $0.99 smaller trades fee for trades below $250 with exceptions.
Deposit Fees
Bank payment methods are free, so the main cost is trading-related and small trade sizing.
Is SEPA Instant guaranteed to be instant for Uphold deposits?
No. Uphold lists SEPA as instant to 3 business days depending on the route and bank. Use SEPA Instant when your bank supports it, but expect variance.
Why is my Italian bank holding the transfer?
Banks often review first-time payments to crypto platforms. Approve any security prompts, then retry a small amount.
What is the cheapest EUR funding rail on Uphold?
Uphold's fee table lists SEPA deposits as free in the EEA. Start with SEPA.
Why do I see a $0.99 fee on small trades?
Uphold's fee table lists a $0.99 smaller trades fee under $250 with exceptions. Consolidate purchases where possible.
Spanish users wanting fee-free SEPA funding with EU regulatory oversight
If your bank flags the first transfer, a small test payment plus beneficiary approval usually fixes future deposits
Primary SEPA Instant
Uphold lists SEPA as instant to 3 business days depending on the route and bank. Card deposits are instant but can be blocked by issuer controls.
⚠ SEPA transfers can delay when beneficiary fields or references are wrong, or when the bank flags the payment for review
⚠ Card purchases can be declined due to issuer crypto policies or risk scoring
Virtual assets service provider registered with the Bank of Portugal (Uphold Digital Assets Europe, Unipessoal, Lda.).
Last verified: 2026-01-16 · View source
Trading Fees
SEPA deposits are free in the EEA. $0.99 smaller trades fee for trades below $250 with exceptions.
Deposit Fees
Bank payment methods are free, so the main cost is trading-related and small trade sizing.
Why is my SEPA deposit to Uphold delayed in Spain?
Uphold lists SEPA as instant to 3 business days depending on the route and bank. Recheck beneficiary details and references, then allow the full window.
Which Spanish banks tend to add friction to crypto transfers?
It varies by fraud controls. Compare Crypto Compatibility Scores on our bank pages.
What is the cheapest way to fund Uphold with EUR?
Uphold's fee table lists SEPA deposits as free in the EEA. Start with SEPA.
Why do small purchases get charged extra?
Uphold's fee table lists a $0.99 smaller trades fee for trades below $250 with exceptions. Consolidate buys to reduce it.
Uphold supports ach, faster-payments, debit-card, sepa for deposits.
Uphold typically completes KYC verification in same day.
Uphold is available in US, UK, FR, DE, IT, ES.