Contributor, Benzinga
October 10, 2023
Overall Rating:
securely through Uphold's website

Uphold is a unique desktop and mobile trading platform known for its unique “Anything-to-Anything” trading experience. With Uphold, you don’t need to perform multiple transfers to purchase metals, cryptocurrencies and more — you can also trade assets directly using a bank account, cryptocurrency network or debit/credit card with little to no commissions charged.

Uniquely, you also trade between assets in different classes in one step. Bitcoin to Tesla, for example, is one trade. Similarly, if you trade between Facebook and Tesla stock there’s only one step, with no intermediate conversion into USD. Any other trading platform will force you into U.S. Dollars as a bridge to the exchange.

This architecture makes Uphold strikingly easy to use and remarkably cost effective.

You can quickly send money or other assets to friends or family members in seconds without incurring additional fees. Although Uphold could do more to improve the organization of its education section, it’s still a beginner-friendly option.

Uphold has also released the option for a Trailing Stop Order. Unlike a Stop Order, which only protects you from losses based on purchase price, a Trailing Stop Order readjusts to the highest price after you buy. Therefore, you will follow the market up while the “going’s good” and get out if the price starts falling further than you’d like.

Also, ATOM is now a Tier 3 token, meaning that you can make deposits and withdrawals to and from the Cosmos Network.

Best For
  • Cryptocurrency investors in the major and emerging coins
  • Anyone looking for a fast and super-easy trading interface
  • Anyone looking for better way to invest in precious metals
  • All-inclusive pricing means no hidden fees or surprise spreads
  • No minimum investment amounts: all assets can be bought fractionally
  • Zero account, custody, ticket and dormancy fees
  • “Anything-to-Anything” trading means seamless one-step conversion between asset classes
  • Beginner-friendly desktop and mobile apps are mastered in minutes
  • A broad range of crypto assets
  • It offers a less organized educational section compared to its competitors

Uphold Ratings at a Glance

Customer Support
Mobile App
Overall Rating

Terms Apply. Cryptoassets are highly volatile. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong

Why Uphold Over Others?

Uphold users enjoy a range of benefits over other cryptocurrency, forex and stock investing platforms:

  • Cost effectiveness: 0% deposit fees; 0% trading commissions; 0% withdrawal fees
  • All inclusive pricing: for major cryptos the spread is just 80-120bps, compared with 160-250bps at rival platforms such as Coinbase Retail and Revolut
  • Transparency: Uphold lists all asset and liability details. The firm is 100% reserved
  • Ease of use: open an account in less than a minute - and start buying and selling cryptos, precious metals, U.S. stocks and more
  • Anything to anything trading, like Bitcoin to Ethereum, etc.

* U.S. stock trading not available in the U.S., U.K. and certain other territories. 

Uphold Pricing

Uphold offers a unique $0-commission model when buying and selling cryptocurrencies and more-commission model when buying and selling cryptocurrencies. The only exception is a $0.99 charge for traders under $500.

Spreads can rise up to 1.5%

Debit card and credit card transactions will incur a 2.49% fee.

The platform won’t offer an additional undisclosed spread after you preview your order or trade — the price you see is the price you pay. However, this doesn’t mean that it’s free to use. Uphold adds a small spread to the price that you see at the preview stage. The exchange fee you pay varies depending on the asset you’re converting:

Stocks and ETFs1.00%
Cryptocurrencies0.80% to 1.20%
Metals1.05% to 3.95%
Forex currencies0.20% to 0.85%

Uphold Usability

Uphold is one of the only cryptocurrency exchanges that also allows users to buy and sell stocks, commodities and currencies. Getting started with Uphold is exceptionally easy, which can make it great for users who haven’t had a trading or cryptocurrency account in the past.  Some of the features Uphold offers that make the platform especially inviting for beginners include:

  • Easy and fast signups: Opening an account is quick and simple — even if you’ve never had any type of brokerage account before. Just enter your email, choose a password, answer a few questions about your location and verify your email address. We were able to create an account and enter our personal information in less than 3 minutes.
  • Intuitive and customizable tile desktop platform: After opening your account, you’ll receive your own tile desktop platform, which you can further customize to fit your needs. Simply click on an asset to access the next menu and select your trading option. 
  • The new AutoPilot feature makes it easier for you to buy your favorite crypto daily, weekly, or monthly by allowing you to schedule recurring transactions. For example, you might choose to buy $100 of Bitcoin every month to coincide with your paycheck.

Customize your desktop with the assets you buy and sell most often. Replace, reorder or create new cards with just a few clicks. 

  • Intuitive account funding and purchase options: From your custom desktop, you can easily fund your account and begin trading. Click on the tile you want to trade and fund each currency or asset directly from your bank account or credit card. You can even fund your account with a currency that’s not used as your base currency. For example, if you primarily fund your accounts through a U.S. bank account and you want to purchase euros, you won’t need to convert USD to EUR after your transfer — you can transfer euros directly from your U.S. bank account. This makes it particularly easy and more cost-effective to purchase cryptocurrencies, foreign currencies and precious metals without paying a conversion fee for each step. 

Buy cryptocurrencies, U.S. stocks, precious metals and more with a single step. You can even fund your account with currencies that aren’t your bank’s base currency. 

  • One-step ordering: You must place 2-step orders with most cryptocurrency and precious metals markets. This means that you must fund your account with a bank account transfer or a credit card purchase, then convert your funds into the current equivalent value of the currency or asset that you want to own. With Uphold, you can purchase a wide range of cryptocurrencies, foreign currencies and even precious metals without waiting for funds to clear into your account. There are over 1,000 transfer pairs available through Uphold.
  • Instant transfers: Need to send money to a friend or family member? The platform allows you to send money in as little as a few seconds by linking another account or by email. You can send money in the currency of your choice. You can even send cryptocurrencies instead if you prefer. Best of all, transfers are always free, whether you’re sending Bitcoin or dollars.
  • Automatic currency conversion: you can send money to someone else with automatic currency conversion. You send what you want - e.g., Bitcoin - they get the currency they need - e.g. Euros. Similarly, you can give the QR code associated with, say, your US Dollar sub-account and someone can send you bitcoin and it will be automatically converted in USD.
  • The Uphold Card: You can spend anything from gold to bitcoin as cash using this Mastercard debit card, accepted at 50MM merchants and almost all ATMs worldwide. Exclusive to the UK, this card offers 2% cashback in XRP on national currency expenditures, no foreign transaction fees and competitive FX fees.
  • Innovative products designed to make investing easier and more accessible: for example, Universal Gold (UPXAU) overcomes all the traditional drawbacks of investing in gold, such as high storage costs, large liquidation spreads and lack of spendability. UPXAU Tokens represent 1 Troy ounce of pure physical gold held at the Perth Mint in Wesern Australia and can be spent on a debit card; incur zero custody fees and can be liquidated instantly into 27 national currencies. Plus, the Tokens are portable and the underlying gold physically deliverable in the U.S. and Australia.

Uphold Education

If you’re new to the world of investing, you might want to learn more about currencies, lingo or the differences between cryptos before you make your first purchase. Uphold offers users a few unique tools they can use to educate themselves before investing in their asset of choice. A few of our favorite educational resources include:

  • Cryptonary: What’s the difference between a coin and a token? What does Chainlink do, and how does it vary from other cryptocurrencies like Basic Attention Token? If you’ve ever been confused about the unique language cryptocurrency traders use to describe their trades, you’ll love Uphold’s “Cryptonary”. As the name suggests, Cryptonary is your dictionary for all the cryptocurrency terms you could run into during your research. From specific coin offerings to slang terms like “FUD”, Cryptonary offers a vast range of quick, accessible definitions. Many terms can also enhance your understanding of stock trading as well. 

From coin offering definitions to slang terms, Uphold’s unique Cryptonary helps you familiarize yourself with some of the terms you need to know.  

  • Open API: If you have experience coding, you can enhance your investing skills with Uphold’s open API. The open API framework provides you with all of the documentation you need to create services and applications powered through the platform. You can even connect your Github projects to Uphold to transfer already completed work to the new platform. It even offers sandbox functionality to test your ideas. The open API system offers one of the most customizable ways to use your trading and investing account.
  • Uphold blog: If you’re interested in learning a little more about the cryptocurrencies you can buy and sell on the platform, the blog is an excellent place to begin. The Uphold blog offers a series of introductory explainers on cryptocurrencies as they’re added, including Chainlink, Digibyte, Stellar Lumens and more. From risks to team records, Uphold’s introductions to each of its cryptocurrencies will help you better assess risk before you place your order. 
  • Uphold Unboxed, a daily newsletter on the market: what’s up; what’s down and the performance of major and emerging cryptos. Great for spotting lesser-known coins early to keep an eye on.

Uphold Customer Support

Uphold offers a few unique ways to contact its customer service team.

  • Help Center: For general inquiries, you can submit a request on their website through the Uphold Help Center. This feature provides UpHold your personal email and allows you to conveniently provide relevant information and attachments.
  • Via social media: To get reach Uphold via Twitter, send a private message or tweet to @AskUphold. You’ll need to be logged into your Twitter account to use this feature.

Uphold also offers an in-app help section that allows you to quickly browse the platform’s FAQs and find answers to the most commonly asked questions. 

Uphold Offerings

Uphold offers access to a range of stocks, cryptocurrencies, metals and currencies. There are now 117 options and over 250 total assets available. Let’s take a look at some of the cryptos and other assets you can invest in through the platform.  

Uphold Forex

the platform offers access to 27 currencies, ranging from reserve currencies like the Japanese yen to minor currencies like the Croatian kuna. Exchange fees for currency conversions range from 0.29% to 1.4%, depending on your currency pair. 

Uphold Metals

In addition to assets like currencies, stocks and ETFs, Uphold also allows you to invest in precious metals. Today, available metals include gold, silver, palladium and platinum. Exchange fees for metals range from 1.00% to 3.95%.

Universal Gold (UPXAU) is an ERC-20 token that allows investors to put their money into gold while overcoming some of the most common hurdles that make investing in metals impractical. You can invest as little as $1 in the UPXAU token and hold it in cold storage if that’s your thing.

Uphold Cryptocurrencies 

The platform also offers access to 36 cryptocurrencies. From Bitcoin and XRP to smaller names like Chainlink and Digibyte, you can buy cryptocurrencies directly from a credit card or linked bank account in the U.S. and Europe. In the rest of the world, crypto deposits from seven networks.

Crypto staking rates can rise as high as 16%.

Exchange fees for cryptocurrencies range from 0.65% to 1.85% depending on the token you’re purchasing. 

Uphold Mobile App

Uphold’s mobile app is intuitive and simple, mirroring the desktop platform’s focus on easy usage and “Anything-to-Anything” transfers. Some features include:

  • Two-click exchanges: Like on the web-based platform, you can quickly place an order. Simply click on the tab labeled “transact,” choose your funding method (from linked bank accounts, crypto networks and credit cards) and place your transactions. You can execute a trade in as little as 30 seconds — even if you’ve never bought or sold an investment asset or currency before.
  • Comprehensive market data: Uphold serves you with up-to-the-minute market data for everything from cryptocurrencies to metals. In most cases, price data is calculated to the 5th decimal, which allows you to make the most accurate calculations. 

Make the most accurate trade calculations possible with Uphold’s comprehensive and simple mobile app.

  • Full desktop functionality: In addition to investing, you can monitor your portfolio, send money to friends or family members and more from your Uphold app, no matter where you are. 
  • From and To interface: It allows you to pull money from your bank or card and straight into the asset you want to buy. The proximity of funding and trading one screen makes this app a joy to use.

The Uphold app is available as a free download for both iOS and Android devices.  

Uphold Overall Rating

Uphold’s “Anything-to-Anything” transactions are appealing but the platform offers more than just trading convenience. It’s low fees and easy, quick transactions can also be a particularly appealing choice for anyone who sends money out of the country on a regular basis. We also love Uphold’s web and mobile platforms, which you can master in minutes even as a novice trader.

Though Uphold is a fantastic choice for everyone, it’s not without flaws. We’d love to see them continue to expand and organize its educational offering section, as well as add a phone line for customer service inquiries. Despite these concerns, this platform remains an excellent choice for any investor looking for an easier way to buy and sell cryptocurrencies, metals and much more. 

Uphold Disclaimer: Uphold offers Cryptoasset investing within the EU/UK (by Uphold Europe Limited) USA (by Uphold HQ Inc).  

Terms Apply. Cryptoassets are highly volatile. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and there's no safety net if things go south. The Uphold Card is issued by Optimus Cards UK Limited, a principal member of Mastercard and fully authorized by the FCA.

User Reviews

K Lee

How do you use this product to boost your finances?

I honestly thought uphold has been pretty good for buying and holding crypto which is what I use it for. Also have one of the best selections of coins to stake. IDK I’m really surprised by so many negative comments it’s making me a little nervous now…

D Jakubs

How do you use this product to boost your finances?

Awful customer service. I question the legitimacy of the organization. When asking for explanation around restrictions, I keep getting asked for more proof. I have sent DL, Passport, global ID. What more do they need? Such a small amount of money but as N

james s Hanson

How do you use this product to boost your finances?

It make it intuitive and easy to purchase the asset I want at the moment in time that I want it.

STEVE W Collins

How do you use this product to boost your finances?

Terrible execution pricing


How do you use this product to boost your finances?

uphold doesn't have all US stocks available. Just top few are available.

Krista Rose

How do you use this product to boost your finances?

Sync Uphold, then you can withdraw

Mi Suk Ko

How do you use this product to boost your finances?

Uphold does not have send or receive button? also, No earing interest on the cryptocurrency hold? Am I miss 't know where to find the functions?

Christopher Nelson

How do you use this product to boost your finances?

I don't because they need my first born son in order to change my legal state from MA to NH.


How do you use this product to boost your finances?

Cant withdraw your money


How do you use this product to boost your finances?

Please don't recommend UpHold. They don't have support, so you won't pass identity verification, without it your money will be stuck there.

quy duc nguyen

How do you use this product to boost your finances?

hell NOWAY

quy duc nguyen

How do you use this product to boost your finances?



How do you use this product to boost your finances?

Worst crypto company I have dealt with yet by far. Can't even complete opening the account. Takes 2 weeks to get any customer service. Avoid at all cost.

Ergys peka

How do you use this product to boost your finances?

I would not trust this company with my lollypop yet alone with my investment. RUN away! they will steal from you and turn their backs.

Peter Prokopenko

They processed a systematic account closure, after having accepted my deposit. It\'s been 30 days and they just keep closing out support tickets. Can\'t get in contact with anyone from support, everything is done online no center to call. Really annoying that they took my money and now I can\'t even get anyone to assist in resolving the issue. And their exchange rates are horrible. I would go with Coinbase as an alternative easy to set up crypto e-wallet.

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About Sarah Horvath

Sarah is an expert in the insurance, investing for retirement and cryptocurrency space.