Official • Uphold.com

Uphold Wallet — hold crypto, fiat and metals in one account

Uphold is a multi-asset wallet and exchange that lets you buy, sell, convert and transfer cryptocurrencies, fiat currencies and precious metals. This guide covers how to use the Uphold Wallet safely, sign in, verify, manage fees, and troubleshoot common issues.

Open Uphold

Instant conversions

Convert between assets (crypto ↔ fiat ↔ metals) with transparent pricing and immediate settlement in most pairs.

Multiple rails

Deposit and withdraw using bank transfers, cards, or crypto transfers — supported rails vary by country and currency.

Card & payments

Uphold offers card and payment integrations in some jurisdictions for direct spending from your balance.

Complete Guide to Uphold Wallet — Overview, Setup, Security & Best Practices

Overview. Uphold is a regulated multi-asset financial platform that allows consumers and businesses to buy, hold, convert and transfer a wide variety of assets — from major cryptocurrencies such as Bitcoin and Ethereum to fiat currencies and tokenized gold/silver. Unlike pure non-custodial wallets, Uphold is a custodial platform in which the company manages custody of assets for users under the terms of its service and applicable regulation in operating jurisdictions. That model prioritizes convenience (integrated onramps, card rails, exchange-style trading) while requiring users to follow thoughtful security and identity verification practices.

Getting started. To use Uphold, register an account at uphold.com or download the official mobile app. You’ll typically verify your email, complete identity verification (KYC) to unlock fiat deposits/withdrawals and higher limits, and optionally set up two-factor authentication (2FA). Uphold supports instant card purchases in many regions and bank transfers in supported currencies.

Identity verification (KYC). Uphold implements KYC and AML controls to meet regulatory requirements. The verification steps commonly include providing a government-issued ID, a selfie or live facial check, and proof of address depending on jurisdiction and account type. For businesses, additional documents are required. Completing KYC increases transaction limits and enables fiat rails, but always follow official instructions and do not share sensitive documents outside the authorized upload flow.

Fees & pricing. Uphold’s pricing model includes spreads and service fees that vary by funding method, asset type, and region. Some trades (intra-platform conversions) may be cheaper than third-party onramps; card purchases typically include network/processing fees. Always inspect the fee breakdown before confirming a trade — Uphold displays estimated costs during order creation. For business accounts, custom pricing may apply.

Security model & user responsibilities

Because Uphold is custodial, the platform is responsible for storing private keys and managing infrastructure security. Uphold invests in standard protections (encryption, access controls, monitoring, compliance). From the user side, you should:

How to deposit, convert & withdraw

Deposits: Depending on region and verification, you can deposit via bank transfer, card, or crypto transfer. Always follow the on-screen instructions and provide required reference details for fiat transfers. Crypto deposits must use the exact deposit address for the chosen asset (do not send tokens to incompatible addresses).

Conversions: Uphold supports direct conversions between many assets. Conversions occur instantly at displayed rates; confirm the quoted amount and fees before executing because prices can move quickly.

Withdrawals: To withdraw fiat, follow the withdraw flow and verify destination bank details. For crypto withdrawals, add an external wallet address (some platforms require adding and verifying recipient addresses first). Consider withdrawal limits and potential network fees.

Troubleshooting common issues

If you encounter deposit delays, check the following:

Compliance & account limitations

Uphold’s features available to you depend on your country, identity verification level, and local regulations. Some assets, payment methods, or services may not be available in certain jurisdictions. If you require business features or higher limits, review Uphold’s business account documentation and contact sales or support for tailored guidance.

Best practices for long-term custody

1 — Create account

Visit uphold.com or install the official app and register using a secure email and password.

2 — Verify identity

Complete KYC to unlock fiat rails and higher transaction limits.

3 — Deposit & convert

Add funds via bank or card, or deposit crypto; convert between balances as needed.

4 — Secure your account

Enable 2FA, use hardware keys where supported, and review security settings regularly.

“Uphold made cross-border FX and crypto conversions straightforward for my small business.” — Neha
“I like the multi-asset view — seeing metals and crypto in one place is handy.” — Carlos
“Support was helpful when a deposit was delayed — they asked for TXIDs and resolved it.” — Emma

Frequently Asked Questions

Is Uphold a custodial wallet?
Yes — Uphold custodially holds assets on behalf of users. For sole control of private keys, use a hardware wallet or non-custodial solution.
How long does identity verification take?
Verification time varies by jurisdiction and document quality — it can be immediate or take several hours to a few business days if manual review is required.
Are there withdrawal fees?
Network fees apply for crypto withdrawals (paid to miners/validators). Fiat withdrawal fees and processing times depend on payment rails and banks; check the fee disclosure in the app before confirming.