If the Uphold daily purchase limit or unclear charges have ever made you hesitate before placing a trade, you’re not alone. Fees around crypto can feel murky for new traders. This walkthrough breaks down every cost tied to Uphold so you can deposit, trade, and transfer with confidence and without worrying about surprise add‑ons.
Founded in 2015, Uphold is more than a standard crypto venue. Beyond digital assets, you can also buy precious metals such as platinum, palladium, and silver. Rather than a typical maker‑taker model used by exchanges like Binance, Kraken, and Bybit, Uphold uses a flat, all‑in rate structure.
Let’s get straight to it. Here’s where each dollar goes when you move or exchange assets on Uphold.
Deposit and Withdrawal Fees and Limits
To start using the platform, you need to fund your account with crypto or fiat. As with most venues, adding crypto is free. Fiat funding and withdrawals vary by jurisdiction and payment method. Below is a region‑by‑region view. To withdraw money, open Uphold (app or web), go to the Transact/send/withdraw flow, choose whether you’re withdrawing fiat (to a linked bank/card method where available) or crypto (to an external wallet address), enter the amount, review the quoted fees and network details, and confirm (2FA may be required). Crypto withdrawals typically require selecting the network, pasting the destination address, and confirming the final on‑screen quote before sending.
Limits are part of the cost picture: they don’t change the price you’re quoted, but they do determine how quickly you can fund, move, and cash out.
Fiat Deposits
Uphold’s fiat funding paths are grouped into four regions: US, UK, EEA, and all other countries.
United States: ACH and large wires are free, while cards and smaller wires carry either a fixed cost or a percentage fee.
| Method | Transfer Time | Fee | Daily Limit | Weekly Limit | Monthly Limit |
|---|---|---|---|---|---|
| ACH (Plaid) | Instant | Free (a transaction fee may apply) | $10 to $15,000 | $10 to $15,000 | $10 to $60,000 |
| ACH (Microdeposits) | Instant | Free | $10 to $2,000 | $10 to $2,000 | $10 to $8,000 |
| Debit Card, Apple Pay, Google Pay | Instant | 3.99% (waived if you fund in USD) | $10 to $15,000 | $10 to $15,000 | $10 to $50,000 |
| Credit Card | Instant | 3.99% | $10 to $15,000 | $10 to $15,000 | $10 to $50,000 |
| Wire Transfer Under $2,000 | 1 to 3 business days | $10 | Unlimited | Unlimited | Unlimited |
| Wire Transfer Over $2,000 | 1 to 3 business days | Free | Unlimited | Unlimited | Unlimited |
Summary: US fiat deposit pricing overview.
In European markets, the selection of methods is narrower, but the upside is zero deposit fees.
If speed matters, local rails can help. For example, bank transfers via Ogvio often clear fast, frequently instantly, thanks to domestic payment routes. Use it when you want a swift bank transfer rather than waiting days.
United Kingdom: Funding paths and caps are as follows.
FPS — Transfer Time: Instant. Fee: Free. Limits: Unlimited.
SEPA — Transfer Time: 1 to 3 business days. Fee: Free. Limits: Unlimited.
Debit or Credit Card, Apple Pay, Google Pay — Transfer Time: Instant. Fee: Free. Limits:
- Daily: £10 to £15,000
- Weekly: £10 to £15,000
- Monthly: £10 to £50,000
Summary: UK fiat deposit pricing overview.
European Economic Area: Two supported methods, both without deposit fees.
SEPA — Transfer Time: 1 to 3 business days. Fee: Free. Limits: Unlimited.
Debit or Credit Card, Apple Pay, Google Pay — Transfer Time: Instant. Fee: Free. Limits:
- Daily: 10€ to 15,000€
- Weekly: 10€ to 15,000€
- Monthly: 10€ to 50,000€
Summary: EEA fiat deposit pricing overview.
All Other Countries: Card and wallet payments are supported for funding; note that in many cases you add fiat by buying crypto rather than topping up a fiat balance directly.
Debit Card or Credit Card — Transfer Time: Instant. Fee: 3.99% (funding is by purchasing cryptocurrency; direct fiat top‑ups are not available). Limits:
- Daily: $10 to $15,000
- Weekly: $10 to $15,000
- Monthly: $10 to $50,000
Apple Pay, Google Pay — Transfer Time: Instant. Fee: 3.99%. Limits:
- Daily: $10 to $15,000
- Weekly: $10 to $15,000
- Monthly: $10 to $50,000
Summary: Fiat deposit pricing for users in other jurisdictions.
About limits: The daily cap resets at 00:00 UTC each day. The weekly cap resets at 00:00 UTC on Monday. The monthly cap resets at 00:00 UTC on the first day of the month. A refreshed monthly cap does not override the current week’s cap. To check your purchase limit in the Uphold app or website, sign in, start a buy/deposit for the payment method you plan to use (for example, card or bank transfer), and look for the on‑screen limit/remaining allowance shown before you confirm the transaction. You can also review limits from your account settings area (typically under a Limits or Funding limits section), where Uphold shows caps by payment method and time window (daily/weekly/monthly) for your current verification level.
Fiat Withdrawals
Uphold’s fiat withdrawal pricing follows the same regional pattern, with an extra category for Canada.
United States:
| Method | Transfer Time | Fee | Daily Limit | Weekly Limit | Monthly Limit |
|---|---|---|---|---|---|
| ACH (Plaid) | Standard up to 3 business days; Instant up to 1 business day | Standard free; Instant 1.75% (minimum $1) | $10 to $25,000 | $10 to $175,000 | $10 to $700,000 |
| ACH (Microdeposits) | Up to 2 business days | Free | $5 to $25,000 | $5 to $175,000 | $5 to $700,000 |
| Debit Card, Apple Pay | Instant | 1.75% (minimum $1) | $10 to $25,000 | $10 to $175,000 | $10 to $700,000 |
Summary: US fiat withdrawal pricing overview.
United Kingdom:
FPS — Transfer Time: Instant. Fee: Free. Limits:
- Daily: £10 to £25,000
- Weekly: £10 to £175,000
- Monthly: £10 to £700,000
SEPA — Transfer Time: Up to 3 business days. Fee: Free. Limits:
- Daily: £20 to £25,000
- Weekly: £20 to £175,000
- Monthly: £20 to £700,000
Debit Card, Apple Pay — Transfer Time: Instant. Fee: 1.75% (minimum £1). Limits:
- Daily: £10 to £25,000
- Weekly: £10 to £175,000
- Monthly: £10 to £700,000
Summary: UK fiat withdrawal pricing overview.
European Economic Area:
SEPA — Transfer Time: 1 to 3 business days. Fee: Free. Limits:
- Daily: 10€ to 25,000€
- Weekly: 10€ to 175,000€
- Monthly: 10€ to 700,000€
Debit Card, Apple Pay — Transfer Time: Instant. Fee: 1.75% (minimum €1). Limits:
- Daily: 10€ to 25,000€
- Weekly: 10€ to 175,000€
- Monthly: 10€ to 700,000€
Summary: EEA fiat withdrawal pricing overview.
Canada:
Interac — Transfer Time: 1 to 3 business days. Fee: Free. Limits:
- Per Transaction: $1 to $10,000 CAD
- Daily: $1 to $100,000 CAD
- Weekly: $1 to $500,000 CAD
- Monthly: $1 to $500,000 CAD
Summary: Canada fiat withdrawal pricing overview.
All Other Countries:
Debit Card — Transfer Time: Instant. Fee: 2.75% (minimum $1). Limits:
- Daily: $10 to $25,000
- Weekly: $10 to $175,000
- Monthly: $10 to $700,000
Apple Pay — Transfer Time: Instant. Fee: 2.75% (minimum $1). Limits:
- Daily: $10 to $25,000
- Weekly: $10 to $175,000
- Monthly: $10 to $700,000
Summary: Fiat withdrawal pricing for other jurisdictions.
Note: Google Pay is available for fiat deposits but not for fiat withdrawals in any region. Use Apple Pay if you prefer a wallet‑based withdrawal.
Crypto Withdrawals
When sending crypto off the platform, there are two cost elements: the blockchain network fee and, for a select group of networks, an extra $0.99 charged by Uphold on top of the on‑chain fee.
Why the additional charge? Some networks see lower trading activity on the platform, yet they still require fixed operational support. In other cases, very low on‑chain fees leave little margin to cover network overhead. For the assets below, a flat $0.99 applies in addition to the chain fee.
- DAG
- XDC
- BTG
- SGB
- FLR
- TRX
- SOLO
- CSPR
- COREUM
- KAS
All other assets incur only the relevant network fee. Examples of current withdrawal fees on popular networks include:
- Arbitrum — USDT/USDC: 0.2 USDT/USDC; ETH: 0.0001 ETH
- Base — USDC: 0.1 USDC; ETH: 0.00005 ETH
- Bitcoin — BTC: 0.00004 BTC
- BNB Smart Chain — USDT/USDC: 0.1 USDT/USDC; ETH: 0.0001 ETH; BNB: 0.0001 BNB
- Cardano — ADA: 0.5 ADA
- Cosmos — ATOM: 0.005 ATOM
- Dogecoin — DOGE: 1 DOGE
- Litecoin — LTC: 0.0008 LTC
- Polygon — USDT/USDC: 0.25 USDT/USDC
- Polkadot — DOT: 0.075 DOT
- Solana — USDT/USDC: 0.35 USDT/USDC; SOL: 0.0006 SOL
- TRON — TRX: 1 TRX; USDT: 6 USDT
Note: Network fees are dynamic and can change with congestion and liquidity.
Trading Fees
Uphold prices trades differently from many mainstream exchanges. Instead of a maker‑taker schedule like Coinbase or KuCoin, it uses flat percentage rates that depend on the asset class.
Core trading rates by category:
| Asset Class | Trading Fee (%) |
|---|---|
| BTC and ETH | 1.4% to 1.6% |
| Stablecoins | 0.2% |
| Altcoins | 2.5% to 2.95% |
| Major Market FX | 0.3% |
| Precious Metals | 1.9% to 2.95% |
There is also a $0.99 surcharge on crypto trades under $500 (stablecoins excluded) when using any order type other than Trailing Stop or Take Profit.
Additional guidance on how pricing may vary:
- When converting between two categories, the higher category rate applies. For instance, swapping an altcoin to a stablecoin uses the altcoin rate.
- Rates cover typical trade sizes on the platform. Large transactions may see higher costs as pricing scales with notional size.
- Altcoin costs are sensitive to liquidity. Newly listed or small‑cap tokens often have wider spreads and higher fees.
- In periods of sharp volatility or thin liquidity, spreads can widen. Quotes are held for 18 seconds, and users are alerted if market spreads exceed 4%.
- Pricing can differ by region to reflect local market conditions and rules.
The good news: quotes are all‑inclusive on the confirmation screen, so what you see before you submit is the full amount you’ll pay.
A limit order on Uphold is an instruction to buy or sell an asset at a specific price (or better). Instead of filling immediately at the current quote, the order is placed to execute only if the market reaches your chosen limit price, which means it may fill later, fill partially, or not fill at all.
To set up a limit order, open the trade/transact screen, select the asset pair you want to buy or sell, choose the order type as Limit, enter your limit price and amount, then review the confirmation and place the order. To manage existing limit orders, go to your orders area (often shown as Open orders or Orders), where you can view your pending orders and cancel them; if the interface offers editing, you’ll typically cancel and re‑create the order with the updated price or size.
If your limit order fails or does not execute, the most common causes are simple: the market never reaches your limit price, available liquidity at that price is too thin (so the order only fills partially or not at all), your available balance changes (for example, funds get used elsewhere or reserved), or the order is canceled/expired due to the order settings. In some cases, the asset pair or order type may not be available in your region, or an account/compliance review can temporarily restrict trading until verification is updated.
Uphold Card Fees
Uphold also offers a crypto credit card for UK customers. The headline perks are notable: no annual fee, 0% foreign transaction fee, and 1% cashback on every purchase.
Cashback rewards are typically credited back to your Uphold account, but they can be limited by eligibility rules (for example, purchase-only rewards rather than cash-like transactions). Reward caps and exclusions can apply (such as limits per period, refunds reversing rewards, and merchant category restrictions), so it’s best to check the card’s rewards screen in the app for the current cap and any categories that do not qualify.
Costs are limited to a £9.95 one‑time fee for physical card delivery or replacement (estimated 7 to 10 business days) and ATM fees of £2.50 in the UK and EU or £3.50 elsewhere. The virtual card is free to activate in the mobile app.
Card limits:
| Transaction Type | Single Transaction Limit | Number of Daily Transactions | Total Daily Amount |
|---|---|---|---|
| ATM withdrawals | £500 | 2 | £1,000 |
| Retail transactions | £10,000 | 50 | £10,000 |
Although just two ATM withdrawals per day are allowed, the monetary caps are broadly in line with other crypto payment cards.
Beyond the daily caps shown above, any weekly or monthly limits (if they apply to your account) are typically displayed inside the card’s limits/restrictions area in Uphold. You may also run into additional practical limitations, such as merchant or ATM-operator limits, temporary restrictions triggered by unusual activity, insufficient available balance at the moment of purchase, or controls tied to verification and compliance checks.
Uphold vs Other Top Crypto Exchanges: Fee Comparison
With Uphold’s fee map covered, how does it stack up against big names? Here’s a side‑by‑side look at Binance, Kraken, Bybit, and MEXC.
Uphold vs Binance
Binance is the largest centralized exchange, serving hundreds of millions of users with 400+ coins across more than 1,500 pairs, plus options, futures, margin, copy trading, and a P2P market.
Its tiered schedule features 9 VIP levels determined by 30‑day volume and BNB holdings. Spot and margin fees start at 0.1% for makers and takers, which undercuts Uphold’s rates, including its lowest 0.2% stablecoin rate.
For futures, Binance charges 0.02% maker and 0.05% taker on both stablecoin‑margined and coin‑margined contracts. P2P trades are free for fiat, while USDT trades carry a 0.5 USDT fee.
BNB holders get a 25% discount on trading fees, and frequent promotions and contests can unlock more rewards. Uphold does not use an exchange token and typically does not run fee discounts, though referral codes occasionally appear.
Uphold vs Kraken
Kraken serves users in 190+ countries, listing about 420 assets with margin up to 5x, derivatives with 200+ contracts, a DeFi swap tool, and OTC services.
Kraken+ is a standout: zero spot trading fees up to $10,000 per month, plus perks like airdrops, with a 30‑day free trial and then $4.99 monthly. For standard spot, crypto pairs are 0.25% maker / 0.4% taker, while fiat, stablecoin, and pegged token pairs are 0.2% maker / 0.2% taker. Stablecoin trading matches Uphold’s 0.2% category; elsewhere, Uphold’s category pricing can be favorable.
Futures fees are flat at 0.02% maker and 0.05% taker. Margin positions include an opening and maintenance fee of 0.01% to 0.02%.
Uphold vs Bybit
Bybit, launched in 2018, is known for breadth of markets and competitive pricing. It lists nearly 2,000 cryptocurrencies with margin, futures, options, spreads, and pre‑market trading.
Crypto deposits are free, while fiat funding and withdrawals depend on currency and method. Bybit offers 6 VIP and 6 Pro tiers based on 30‑day volume; Pro tiers can feature inverse futures fees (rebates). There is no native token for tier access.
Spot fees are 0.1% maker and 0.1% taker—on par with Binance and half of Uphold’s 0.2% stablecoin rate. Futures are 0.055% maker and 0.02% taker.
Uphold vs MEXC
MEXC supports margin, futures up to 125x, and grid trading, with a huge catalog of 2,800+ assets and its own crypto card.
MEXC stands out on price: maker fees are 0% for spot and futures. Takers pay 0.05% on spot and 0.02% on futures, which is still cheaper than Uphold in most categories. Depositing crypto is free; crypto withdrawals follow network fees, and fiat fees depend on method and currency. Holding at least 500 MX can cut trading fees by 50%, and referrals can earn up to 40% commission.
Conclusions
Uphold’s pricing looks different, but the building blocks are familiar: fiat funding and withdrawals by region, crypto network costs (with a small additional fee on certain networks), and asset‑based trading rates. The card has no annual or transaction fee, though ATM withdrawals are charged.
If you want a provider that does not charge for fiat deposits or crypto transfers, consider Ogvio, which waives fees for those services.
Unlike many centralized platforms, Uphold does not offer maker‑taker tiers or volume‑based discounts. Even so, pricing for popular stablecoins such as USDT and USDC remains low.
Does Uphold report to the IRS? For U.S. customers, Uphold may share tax information when required under applicable rules (for example, by issuing required tax forms for certain reportable activity) and may disclose account records in response to lawful requests. What triggers reporting depends on the specific tax form and the type of activity (such as certain reward or incentive payouts, if applicable), along with IRS reporting thresholds and compliance obligations; your tax documents and account activity screens are the best place to confirm what was reported for your account.
The information on this site does not constitute financial, investment, trading, or other professional advice. does not recommend that you buy, sell, or hold any cryptocurrency. Always consult a qualified financial advisor before making investment decisions.
