#25 of 115 in the US ranking · Exchange
Uphold Review (October 2026): Fees, US States and Licenses
Best for: Multi-asset spread-based buying
6.3/10
By Vahe Hakobyan Verified Medium confidence No affiliate links
- Taker fee— Not verified
- US states49 of 51
- New YorkNo
- Coins— Not verified
- CustodyHybrid
- App Store4.7 ★ · 91K
Our verdict
Uphold HQ Inc. (NMLS 1269875), based in San Francisco, offers spread-priced crypto trading, staking on 20+ assets, a USD interest account, a debit card and equities. It publishes its assets and liabilities on its website and states it does not lend customer assets. Users located in New York cannot buy crypto with fiat. Trades under $500 carry a $0.99 fee.
Pros
- Publishes assets and liabilities in near real time
- Free ACH deposits and standard ACH withdrawals
- SOC 2 Type 2 and ISO 27001 certifications
Cons
- Spread pricing with no order book
- Crypto purchases blocked for users located in New York
- $0.99 fee on trades under $500
Uphold fees
- Maker / taker
- — Not verified
- Simple buy
- Spread that varies by asset class, plus $0.99 on trades under $500 (some exceptions)
- Volume tiers
- No maker/taker order book; pricing is spread-based
- ACH deposit
- Free
- Wire deposit
- $10 under $2,000; free for $2,000 or more
- Card purchase
- 3.99% (cards and digital wallets); PayPal/Venmo 2.5% for USD, 2.99% for other assets
- USD withdrawal
- Standard ACH free; instant ACH 1.75%; debit card / Apple Pay 1.75% (min $1)
- Crypto withdrawal
- $0.99 flat fee (except BTC, XRP, HBAR) plus network fee
- Minimum deposit
- $10
Is Uphold available in my state?
Uphold serves US users through Uphold HQ Inc. (NMLS 1269875); per a help article updated Sept 3, 2026, users located in New York cannot buy crypto with fiat or deposit fiat.
- AL available
- AK available
- AZ available
- AR available
- CA available
- CO available
- CT available
- DE available
- DC available
- FL available
- GA available
- HI available
- ID available
- IL available
- IN available
- IA available
- KS available
- KY available
- LA not available
- ME available
- MD available
- MA available
- MI available
- MN available
- MS available
- MO available
- MT available
- NE available
- NV available
- NH available
- NJ available
- NM available
- NY not available
- NC available
- ND available
- OH available
- OK available
- OR available
- PA available
- RI available
- SC available
- SD available
- TN available
- TX available
- UT available
- VT available
- VA available
- WA available
- WV available
- WI available
- WY available
No services in New York; no new accounts in Louisiana. Territories: no services in USVI and US Minor Outlying Islands; no new accounts in American Samoa, Guam, Northern Mariana Islands and Puerto Rico.
- New York
- No
- ID check (KYC)
- — Not verified
- Withdraw crypto
- Yes
- Funding
- ACH, Wire, Debit card, Credit card, Apple Pay, PayPal, Venmo, Crypto
Is Uphold regulated?
- NMLS 1269875
- US operator
- Uphold HQ Inc.
- Parent company
- — Not verified
- State licenses
- — Not verified
- New York license
- None
- Founded
- — Not verified
- Headquarters
- San Francisco, CA, USA
How secure is Uphold?
- Proof of reserves
- Yes - assets and liabilities published on its website, stated to update every 30 seconds (self-reported, no auditor named)
- Audits
- SOC 2 Type 2, ISO 27001, PCI DSS
- Insurance
- USD balances eligible for FDIC pass-through coverage up to $2.5M via a cash sweep program, per the site
Crypto held on a platform is not covered by FDIC or SIPC insurance.
What you can do on Uphold
- Spot
- Staking
- Stocks & ETFs
- Earn
- Crypto card
- Self-custody wallet
USD Interest Account advertised at 3.75% APY on balances of $10+; staking on 20+ assets; Vault assisted self-custody; equities trading.
- Apps
- Web, iOS
- Support
- — Not verified
Uphold FAQ
Is Uphold available in my state?
Uphold serves 49 of 51 jurisdictions (50 states and DC). Not available in Louisiana, New York.
Can New York residents use Uphold?
No. Uphold does not accept New York residents.
What are Uphold's fees?
Simple buy: Spread that varies by asset class, plus $0.99 on trades under $500 (some exceptions).
Is Uphold regulated in the US?
US customers are served by Uphold HQ Inc.. Registrations and licenses on record: NMLS 1269875.
Can I withdraw crypto from Uphold to my own wallet?
Yes. Uphold lets US users send crypto to an external wallet.
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Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.