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Service Fees: Personal accounts

Cryptocurrencies icon


In the U.S. and Europe, our spread is typically 0.8 to 1.2% on BTC and ETH.

  • In other parts of the world, our spread on the majors is typically around 1.8%.
  • Spreads can be significantly higher for low-liquidity cryptos and tokens including XRP, ZIL, OXT, UPT, DOGE and others. Check rates at Preview before you trade.
  • Coordinated market activity such as Wall St Bets can distort markets. All the above spreads are likely to widen beyond those above during times of acute market stress.
Precious metals icon

Precious metals

Our spread is typically 3% on top of the bid-ask prices at our supplier.

Fiat currencies icon

Fiat currencies

Our spread is typically 0.2% between major national currencies such as EUR, USD, and GBP.

U.S. Equities icon

U.S. Equities

Our spread is typically 1.0%. For trading outside market hours, we add a small spread based on the stock's volatility. A clock icon will appear when the U.S. public market is closed. U.S. market hours are 9.30am to 4pm ET on business days.

General notes icon

General notes

Uphold is not a free platform. We charge a spread every time you trade.

Our pricing model is all-inclusive. The price you see before you trade is the price you pay when you trade. Unlike many platforms, our prices are locked in pre-trade. We don’t add hidden fees between Preview and Transact, unlike some competitors.  Please check the rate you’re getting on the Preview page. Only confirm your transaction if you’re happy with the rate and accept the trade.

  • Like most trading venues, we display the current mid-market price on our charts; when you trade, you receive the current bid or ask price depending on whether you’re buying or selling. There is always a small difference between the mid-market and the bid/ask prices: it's how order books on exchanges work.
  • We charge 0% withdrawal fees but we do charge a spread. 
  • We charge a $0.99 USD transaction fee on all transactions between assets where the amount transacted is under $100 USD in value, excluding:
    - Transactions made using the Uphold Debit Card
    - The exchange of BAT from a Brave Browser-linked account to fiat
    - Automated transactions (recurring / limit orders)
  • For credit cards, we charge a 3.99% fee per deposit, for debit cards, we charge a 2.49% fee per deposit.
  • Network Fees - charged when you withdraw to external crypto wallets - are passed on at cost and may vary depending on Network congestion.

Service Fees: Business accounts

Web Wallet icon

Web Wallet

Open an account and hold funds

FREE. It is free to open an account and hold value with Uphold. Uphold accounts are free to customers who maintain active accounts.

Fund your account

FREE when funded by a bank account, using bitcoin, or from another Uphold account. If using a Debit/Credit Card to fund your account, a fee of 3.99% applies.

Send and receive money

FREE between Uphold customers. All customer-to-customer transfers are completely FREE of all fees, costs or limitations regardless of the amounts transferred, currency or frequency.

Convert & Buy icon

Convert & Buy

We charge an exchange fee when a customer buy/converts between different currencies. This is based upon a percentage of the transaction value (see the full list of fees below). You may also notice a slight difference between the buy and sell price quote for the same currency pair at Uphold. This is because we include in the quote a Price Protection Fee.

This small difference (usually less than 0.75% above or below the market rate) allows us to give you an instant and guaranteed quote no matter the market conditions or other factors that may affect our ability to settle your trade.

Withdraw funds from Uphold

To move funds off-platform via crypto the fee is $2.99. To move funds off-platform via bank transfer the fee is $3.99 3rd party costs may apply, such as bank wire costs in some geographies or blockchain network fees.

Currencies & Commodities icon

Currencies & Commodities



1.05% BTC, UPBTC


1.25% DASH

1.4% - 1.95% Cryptocurrencies, Environmental Assets & Equities

2.05% XAU, UPXAU

3.05% XPD

3.65% XAG

3.95% XPT

Please note: this is our consumer and business account fee schedule; different fees apply to a business account using our API services. See API Transaction fees"

* Except standard crypto network withdrawal fees on a non-profit basis.