Uphold review
- Buy fee for a $1,000 purchase
- $20by bank transfer
- Time taken for a bank withdrawal
- Not published
- Coins
- 300
A $1,000 crypto purchase through Uphold by bank transfer has published fees of $20 (2% fee, plus spread). Uphold doesn't operate in Guam or Louisiana. It also doesn't operate in American Samoa or Puerto Rico. The service is unavailable in New York, U.S. Virgin Islands and Northern Mariana Islands. Uphold also has no operations in U.S. Minor Outlying Islands.
- $1,000 bank transfer purchase
- $20 plus the spread
- States where the service isn't offered
- Puerto Rico, Guam, Louisiana, American Samoa, Northern Mariana Islands, U.S. Minor Outlying Islands, New York, U.S. Virgin Islands
- Withdrawing money to a bank
- Free, standard: at most 5 working days
- Licence from New York NYDFS
- No dfs.ny.gov
a score of 5.2 out of 10
- Fees receive 0.0 out of 10 and carry a 30% weight
- Availability receives 9.0 out of 10 and carries a 20% weight
- Security and licences receive 5.0 out of 10 and carry a 20% weight
- Products receive 6.5 out of 10 and carry a 15% weight
- App ratings receive 9.4 out of 10 and carry a 15% weight
We earn a commission if you open an account through our links. It does not change the fees you pay or our score.
Open a Uphold accountUphold fees in dollars
Each fee in the Uphold table connects to its source page on Uphold. The example adds up these fees for $1,000.
| Fee | Rate | Source | Read on |
|---|---|---|---|
| Simple buy fee | 2% | uphold.com | November 2, 2026 |
| How the simple buy fee is set | Quoted-price spreads are usually 2.00-2.20% for BTC/ETH or 2.45-3.8% for altcoins on trades up to $5,000. | uphold.com | November 2, 2026 |
| Spread | The all-in spread is measured against the market reference price and changes with the asset, size, volatility and liquidity cost. If the market spread goes above 4%, the app warns you and holds the price for 18 seconds | uphold.com | November 2, 2026 |
| Bank transfer buy fee | 0% | support.uphold.com | November 2, 2026 |
| Debit card fee | 3.99% | support.uphold.com | November 2, 2026 |
| Bank deposit (ACH) | Free | support.uphold.com | November 2, 2026 |
| Bank withdrawal (ACH) | Free | support.uphold.com | November 2, 2026 |
| Instant cash out | For 1.75% (min $1), you can withdraw instantly to a linked bank account, a debit card or Apple Pay | support.uphold.com | November 2, 2026 |
| Bitcoin withdrawal | The network charge amounts to 0.00004 BTC. Uphold's flat $0.99 withdrawal fee doesn't apply to BTC | support.uphold.com | November 2, 2026 |
Fees Uphold charges on $1,000
Each row of the table compares the same $1,000 amount. A dash appears only when Uphold hasn't published a number for that method.
| What you do with $1,000 | You pay | How it is charged |
|---|---|---|
| Buy by bank transfer (ACH) | $20 | 2% fee, plus spread |
| Buy by debit card | $39.90 | 3.99% card fee, plus spread |
| Cash out to your bank (ACH) | $0 | free |
| Cash out instantly to a debit card | $17.50 | 1.75% fee, minimum $1 |
| Send Bitcoin to a wallet | $3.22 | 0.00004 BTC network fee |
The Uphold fees page includes a calculator for your amount and every Uphold fee.
Uphold availability
New York, U.S. Virgin Islands and Guam can't use Uphold. Louisiana and American Samoa are also unavailable. Northern Mariana Islands and U.S. Minor Outlying Islands are excluded, as is Puerto Rico. New York residents also can't choose Uphold as an option.
Taking money out of Uphold
Bank withdrawals from Uphold are free and take standard: at most 5 working days (free); instant: immediately (1.75%, min $1). Uphold's hold rule: ACH deposits are tradable immediately but must settle (typically up to 5 business days) before withdrawal; a 65-day withdrawal restriction may apply to banks not linked via Plaid.
Check the withdrawal guide for Uphold for times, limits and advice when a withdrawal gets stuck.
Who runs Uphold and which licences it holds
Uphold HQ Inc. operates Uphold's US business.
Uphold has no NYDFS licence for New York.
You can see the state licences Uphold lists on its licences page.
Uphold's record includes one dated incident, and the incident list gives its source.
How secure Uphold is
Uphold's Real-time transparency page states that the platform always has 100%+ reserved. Assets and liabilities are published in real time. On 2026-11-02, the page lists its reserve status as 100.5%. It isn't a third-party attestation. A proof of reserves statement is an attestation, not a full audit of Uphold.
You can choose whether to use 2FA to protect your Uphold account.
Uphold app ratings
On the App Store, the Uphold app receives 4.7 stars on a 5-point scale from 91,020 ratings.
Opening an Uphold account
When you open an Uphold account, you give ID and take a real-time selfie. Depending on your location, you must do this at sign-up or once you reach a deposit threshold.
You must be at least 18 to open an Uphold account.
Staking on Uphold
Uphold gives US customers two staking options. Boosted Staking 35% commission starts 15 Oct 2026, and the other one is Flexible Staking 50% commission. These options aren't offered in California, Louisiana, Washington or American Samoa.
Pros and cons of Uphold
Pros
- Uphold shares its proof of reserves with the public.
- You can withdraw money from Uphold to a bank without a charge.
Cons
- Most US exchanges charge less than Uphold does for a $1,000 bank-transfer buy ($20).
- Service from Uphold isn't available in New York, U.S. Minor Outlying Islands, U.S. Virgin Islands and other places.
- A spread Uphold doesn't publish appears in Uphold's simple buy price.
- Uphold has no advanced trading screen that comes with lower fees
Compare Uphold with
These side-by-side pages put Uphold next to the exchanges people most often consider as alternatives.
More about Uphold
Questions asked by people
Can you use Uphold in all US states?
In New York, U.S. Virgin Islands and Guam, Uphold doesn't operate. Louisiana and American Samoa are also unavailable. Northern Mariana Islands and U.S. Minor Outlying Islands are excluded, as is Puerto Rico.
How long does it take to withdraw money from Uphold by bank?
Bank withdrawals from Uphold are free and take standard: at most 5 working days (free); instant: immediately (1.75%, min $1).
Does Uphold send a 1099 form?
Yes, that is correct. Form 1099-DA is issued by Uphold for digital assets you trade or sell. For airdrops or staking rewards over $600, Uphold also issues 1099-MISC. The USD Interest Account is covered by a separate 1099.