Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you shouldn't expect protection if something goes wrong. Take 2 minutes to learn more

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The Uphold Debit Card

Spend anywhere
Earn everywhere

Earn 1% cashback on card purchases at home or abroad.

Cashback on eligible purchases. Exclusions apply, see T&Cs.

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Earn 1% cashback on card purchases, up to £100 per month.

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Spend like a local with no foreign transaction fees.

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Spend in 15 fiat currencies or 300+ crypto assets directly from your wallet.

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Withdraw crypto as cash from ATMs worldwide.

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Get started instantly with your virtual card.

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No set up or annual fees.

A better way to earn
when you spend

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Because spending should give something back.

From your morning coffee to your next trip abroad, the Uphold Debit Card rewards every purchase. Earn 1% cashback on all spending, paid 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.

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Pay safer and faster with Apple Pay and Google Pay

Add the Uphold card to your mobile wallet to keep all of your payments in one place.

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Manage your card on the move

Get instant spending notifications. Protect your account with a “freeze your card” option.

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Use anywhere Mastercard is accepted

Our card is accepted online and offline at over 150 million locations in more than 210 countries.

Frequently asked questions

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.

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.

Join Uphold today


Uphold Europe Limited, Reg No. 09281410, Registered Office: Eastcastle House, 27/28 Eastcastle Street, London, United Kingdom, W1W 8DH

Uphold (FRN: 938277) is registered with the Financial Conduct Authority (FCA) for AML purposes and complies with the Money Laundering, Terrorist Financing and Transfer for Funds (Information on the Payer).

Uphold is also an EMD agent (FRN: 938277) of Optimus Cards UK Limited (FRN: 902034) which is authorised and regulated by the Financial Conduct Authority to issue e-money pursuant to the Electronic Money Regulations 2011.

Cryptoasset services offered by Uphold Europe Limited are unregulated and not covered by the Financial Services Compensation Scheme as well as the FCA’s consumer protection regulations. Cryptoassets are very high risk and speculative. You should be aware and prepared to potentially lose some or all of your money. You should carefully consider whether trading or holding cryptoassets is suitable for you in light of your financial circumstances. Gains may be subject to Capital Gains Tax and there may be extra charges when paying via credit card from your provider. Geographic restrictions may apply.

Fiat money payments and balances (fiat is another name for traditional currencies, such as GBP, USD and EUR) constitute regulated e-money and payment services. In providing fiat balances, you are being issued with e-money by Optimus and Uphold is acting as its agent. See specific e-money terms. E-money is not a deposit or investment account which means that your e-money will not be protected by the FSCS. Your funds will be held in a designated safeguarding account with a regulated financial institution. E-money will not earn any interest.

Uphold is certified for SOC 2 Type 2, ISO 27001, and PCI DSS, ensuring rigorous control over our information security management systems, data handling, and payment processing practices. Furthermore, we comply with the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and the UK Data Protection Act, underscoring our dedication to protecting the personal data and privacy rights of our global customers.

© 2026 Uphold Europe Limited. All rights reserved.