Navigating cryptocurrency exchange fees can be overwhelming—especially when every platform uses a different structure. Uphold, known for its unique all-in-one financial ecosystem that includes crypto, fiat, and precious metals trading, stands out with a simplified fee model. This guide breaks down Uphold fees in detail, covering deposits, withdrawals, trading, and card usage, so you can trade confidently and avoid unexpected costs.
Uphold Deposit & Withdrawal Fees and Limits
Before you start trading on Uphold, you’ll need to fund your account. Understanding the associated costs and limits is essential for efficient fund management.
Fiat Deposits
Uphold categorizes fiat deposit fees by region: U.S., U.K., EEA (European Economic Area), and other countries. The good news? Crypto deposits are always free, but fiat methods vary.
For U.S. Residents:
- ACH (Plaid or Microdeposits): Free, instant transfers with daily to monthly caps.
- Debit/Credit Cards, Apple Pay, Google Pay: 3.99% fee, unless depositing in USD.
- Wire Transfers: Free for amounts over $2,000; $10 fee for smaller transfers.
👉 Discover how to fund your account with low fees and fast processing times.
For U.K. Residents:
- FPS (Faster Payments): Instant and free.
- SEPA: 1–3 business days, no fees.
- Cards & Mobile Payments: 3.99% fee waived—all methods are free.
For EEA Residents:
- SEPA Transfers: Free, 1–3 days.
- Card & Mobile Payments: Free, with monthly limits up to €50,000.
For Other Countries:
- Only card and mobile payments are available, all at 3.99%, with no direct fiat funding—users must buy crypto directly.
💡 Note: Daily, weekly, and monthly limits reset at 00:00 UTC. The monthly cap doesn’t override weekly limits—you must stay within both.
Fiat Withdrawals
Withdrawal fees also vary by region, with additional options for Canadian users.
U.S. Users:
- ACH (Standard): Free; Instant ACH: 1.75% (minimum $1).
- Apple Pay/Debit Cards: 1.75% (minimum $1).
U.K. Users:
- FPS & SEPA: Free.
- Card/Apple Pay: 1.75% (minimum £1).
EEA Users:
- SEPA: Free.
- Card/Apple Pay: 1.75% (minimum €1).
Canadian Users:
- Interac e-Transfer: Free, with per-transaction and daily caps up to $100,000 CAD.
Other Regions:
- Debit Card & Apple Pay: 2.75% (minimum $1)—higher than other regions.
❗ Google Pay is supported only for deposits, not withdrawals, across all regions.
Crypto Withdrawals
Uphold charges two types of crypto withdrawal fees:
- Blockchain network fees (varies by coin and network congestion).
- Fixed $0.99 fee for less liquid or low-fee networks.
Coins subject to the $0.99 fee:
- DAG, XDC, BTG, SGB, FLR, TRX, SOLO, CSPR, COREUM, KAS
For all other cryptocurrencies, only network fees apply. Here are common examples:
- Bitcoin (BTC): 0.00004 BTC
- Ethereum (ETH): 0.0001 ETH
- USDT on TRON: 6 USDT
- Solana (SOL): 0.0006 SOL
- Cardano (ADA): 0.5 ADA
🔁 Network fees fluctuate based on congestion and liquidity—always review the final cost before confirming.
Uphold Trading Fees
Unlike most exchanges that use a maker-taker model or volume-based tiers, Uphold applies flat percentage-based fees depending on asset type:
| Asset Type | Fee Range |
|---|---|
| BTC & ETH | 1.4% – 1.6% |
| Stablecoins (USDT/USDC) | 0.2% |
| Altcoins | 2.5% – 2.95% |
| Major FX Pairs | 0.3% |
| Precious Metals | 1.9% – 2.95% |
Key Rules to Remember:
- Higher fee applies when trading across categories (e.g., altcoin to stablecoin = altcoin rate).
- Trades under $500 incur an **additional $0.99 fee** (except stablecoins).
- No VIP tiers or volume discounts—fees are uniform for all users.
- Fees may increase during high volatility or low liquidity.
- Prices are locked for 18 seconds; users are alerted if spreads exceed 4%.
Despite the lack of fee tiers, Uphold’s pricing is fully transparent: all costs are displayed before confirmation, so there are no hidden charges.
Uphold Card Fees
Available to U.K. customers, the Uphold debit card offers seamless crypto spending with minimal fees.
Fee Structure:
- No annual fee
- No foreign transaction fees
- 1% cashback on all purchases
- Physical card delivery/replacement: £9.95
ATM Withdrawals:
- £2.50 in U.K./EU
- £3.50 elsewhere
Transaction Limits:
| Type | Limit |
|---|---|
| ATM Withdrawals | £500 per transaction, £1,000 daily |
| Retail Transactions | £10,000 daily (max 50 transactions) |
The virtual card is free and instantly available via the mobile app.
Uphold vs Other Top Crypto Exchanges: Fee Comparison
How does Uphold stack up against major competitors?
Uphold vs Binance
- Binance offers tiered fees starting at 0.1%, far below Uphold’s 1.4%+ for BTC/ETH.
- Binance supports futures, options, P2P trading, and offers a 25% discount for BNB holders.
- Uphold wins in simplicity but loses in cost-efficiency for active traders.
Uphold vs Kraken
- Kraken offers **zero trading fees via Kraken+ ($4.99/month)** up to $10,000 monthly volume.
- Spot fees: 0.16%–0.26%, significantly lower than Uphold’s altcoin rates.
- Kraken supports advanced features like OTC desks and DeFi swaps.
Uphold vs Bybit
- Bybit charges just 0.1% for spot trades, half of Uphold’s stablecoin rate.
- Futures fees: 0.02% (maker), 0.055% (taker)—highly competitive.
- No native token, but VIP tiers reward volume.
Uphold vs MEXC
- MEXC offers zero maker fees and taker fees as low as 0.02%.
- Supports over 2,800 coins and offers a native token (MX) for fee discounts.
- Much cheaper for high-frequency traders.
👉 Compare real-time trading costs across top exchanges to find the best deal.
Frequently Asked Questions (FAQ)
What are Uphold’s trading fees for stablecoins?
Uphold charges a flat 0.2% fee for stablecoin trades (e.g., USDT, USDC), one of the lowest rates on the platform.
Are there any deposit fees on Uphold?
Crypto deposits are always free. Fiat deposit fees depend on region and method—U.S., U.K., and EEA users enjoy free ACH, FPS, or SEPA transfers.
Does Uphold have withdrawal fees for crypto?
Yes—users pay blockchain network fees plus a $0.99 fee for select low-volume cryptocurrencies like TRX or DAG.
Is the Uphold Card free to use?
The virtual card is free; the physical card has a one-time £9.95 fee. There are no annual or foreign transaction fees.
Why are Uphold’s trading fees higher than other exchanges?
Uphold uses a simplified flat-rate model instead of volume-based discounts or maker-taker systems, which benefits casual traders but may cost more for high-volume users.
Can I reduce my Uphold fees?
Uphold does not offer VIP tiers or native token discounts. However, using stablecoins or larger trade sizes can help minimize per-trade costs.
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