Uphold review: fees, coins and availability
Trade directly between hundreds of assets in one step. Costs are mostly in the spread, which reviews put near 2% for bitcoin.
We may earn a commission if you open an account through this link. It doesn't change our fee estimates or this review. Fees last checked Oct 4, 2026.
Estimated cost to buy
Fee plus spread, in dollars, for a market purchase of bitcoin. Some figures are estimates because Uphold doesn't publish every fee.
| Payment | $100 | $500 | $1,000 | $5,000 | Basis |
|---|---|---|---|---|---|
| Bank transfer | $2.89 (2.89%) | $9.50 (1.90%) | $19.00 (1.90%) | $95.00 (1.90%) | Spread estimate from independent reviews (BTC/ETH). |
| Debit card | $6.88 (6.88%) | $29.45 (5.89%) | $58.90 (5.89%) | $294.50 (5.89%) | 3.99% card fee is official; spread is an estimate. |
n/p = not published by the platform.
Fees
Simple buy
Spread included in the price (not published; reviews report about 1.8–1.95% for BTC and ETH, more for smaller coins), plus $0.99 on trades under $500.
Debit card
3.99% (official).
Advanced trading
No order-book trading.
State availability
Not available in New York (existing users there can only sell). No new accounts in Louisiana.
Staking
Yes, about 20 assets
Ways to pay
Bank (ACH), wire, debit/credit card, Apple Pay, Google Pay
What we like
- 300+ assets
- Trade any asset for any other in one step
- Staking available to US users
Watch out for
- Wide spreads, about 2% on bitcoin
- $0.99 fee on trades under $500
- Not available in New York or (for new users) Louisiana
Ready to compare?
See Uphold next to 9 other US platforms for your amount and state.
Sources
- support.uphold.com/hc/en-us/articles/360038404532-Fees-Limits-Processing-times
- support.uphold.com/hc/en-us/articles/360026786712-Is-my-location-supported
Fees and availability change often. Always confirm the fee on the platform's preview screen before you buy.