The Uphold Debit Card
Spend anywhere Earn everywhere
Cashback on eligible purchases. Exclusions apply, see T&Cs.
Your Uphold account is an E-Money account provided by Optimus Cards UK Limited, an FCA regulated E-Money Institution. Unlike a traditional bank account, your funds are not protected by the Financial Services Compensation Scheme (FSCS). Instead, your funds are held in a ring fenced bank account held with a UK licensed banking institution and are safeguarded in the event of the winding up of the firm.
Earn 1% cashback when spending your cash, up to £100 per month.
Spend like a local with no foreign transaction fees.
Spend in 15 fiat currencies or 300+ crypto assets directly from your wallet.
Withdraw crypto as cash from ATMs worldwide.
Get started instantly with your virtual card.
No set up or annual fees.
A better way to earn
when you spend
From your morning coffee to your next trip abroad, the Uphold Debit Card rewards your everyday spending. Earn 1% cashback on all cash purchases, paid out in GBP, and enjoy no foreign transaction fees wherever you are. Spend your cash or crypto worldwide with great FX rates, and never worry about setup or annual fees. Exclusions apply, see T&Cs.
Add the Uphold card to your mobile wallet to keep all of your payments in one place.
Get instant spending notifications. Protect your account with a “freeze your card” option.
Our card is accepted online and offline at over 150 million locations in more than 210 countries.
Frequently asked questions
Unlike a traditional bank account, your funds are not protected by the Financial Services Compensation Scheme (FSCS). Instead, your funds are held in a ringfenced bank account held with a UK licenced banking institution and are safeguarded in the event of the winding up of the firm.
Yes, all Uphold users in the UK are eligible. Create a free account and activate your card in your mobile wallet. Business accounts are excluded.
The virtual card is free. Physical cards can be requested for a one-time shipping fee of £9.95. Delivery time is 7-10 business days.
Simply spend from your cash balance to earn 1% back. Please note that purchases funded by crypto are not eligible for rewards.
When you spend crypto, it is sold at the market rate to cover the purchase and standard trading fees apply. Purchases made outside of GBP, EUR or USD also require a foreign exchange conversion. Exclusions apply, see your debit card terms and conditions for more details.
GBP account in the app will be credited by the 15th of the next month with corresponding rewards.
Spend up to £10,000 GBP per day and a maximum of 50 transactions. Rewards capped at £100 per month, depending on location.
Yes, it has low foreign exchange rates.
Any national currency in your Uphold wallet. Convert other assets to national currency using the Transact tab.
Almost anything where MasterCard is accepted.
£2.50 GBP for national ATM withdrawals and £3.50 GBP for foreign ones.