Uphold Fees Made Simple: Deposits, Withdrawals and Trading

Have you ever tried to get into crypto trading, only to back out at the last minute because you weren’t sure how the exchange’s fees worked? You wouldn’t be the first: crypto fees often look unintuitive and confusing for inexperienced traders. In this guide, I’ll explain everything you need to know about Uphold fees so that you can start trading without any fear of missing some hidden costs in the fine print.

Launched in 2015, Uphold isn’t exactly your average crypto exchange: instead of only serving as a cryptocurrency trading platform, it also lets users buy precious metals like platinum, palladium, and silver. What’s more, instead of relying on the popular maker-taker trading fee model adopted by most crypto exchanges, such as Binance, Kraken, and Bybit, it charges a flat, all-inclusive fee rate.

Without further ado, let’s dive straight in! Find out exactly where your money is going when you’re trading or transferring your crypto on Uphold.

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Uphold Deposit & Withdrawal Fees and Limits

The first step in how to start trading on Uphold is, of course, depositing some crypto or fiat into your account. As on most exchanges, depositing crypto doesn’t cost anything, but when it comes to fiat, Uphold deposit fees and withdrawal fees depend on the country/region and method of transfer. Let’s see what this looks like on paper.

Fiat Deposits

Uphold fiat deposit fees are split into four regions: US, UK, EEA, and non-US/UK/EEA (that is, everywhere else).

If you’re an American resident and are depositing through ACH or Wire transfer (more than $2,000), you won’t be charged anything at all, while most other methods have either a fixed or a percentage-based fee:

Table: Uphold's fiat deposit fees for US residents.

In contrast, residents of European countries have much fewer available ways to deposit fiat into their Uphold account, but the upside is that they get to pay no fees at all. Here’s what Uphold deposit fees and limits look like for UK residents:

Table: Uphold's fiat deposit fees for UK residents.

Residents of the European Economic Area (EEA) aren’t charged any deposit fees, either, but they can only choose between two methods of transfer:

Table: Uphold's fiat deposit fees for EEA residents.

Finally, here are the fiat deposit fees and limits for fiat deposits for residents of any country that falls outside the abovementioned countries and regions:

Table: Uphold's fiat deposit fees for users in other countries.

Let me wrap up this bit with a little note about the fiat deposit limits: the daily limit resets every day at 00:00 UTC, the weekly one every Monday at 00:00 UTC, and the monthly one on the first day of each month at 00:00 UTC. However, the monthly limit doesn’t override the weekly one – even if your monthly limit refreshes, you still have to adhere to the weekly limit cap.

Fiat Withdrawals

Uphold withdrawal fees for fiat are separated into the same regional categories, but with an additional one for Canada.

Here’s what they look like for American users:

Table: Uphold's fiat withdrawal fees for US residents.

As for the UK residents, they can choose between four methods of withdrawal, two of them free of charge:

Table: Uphold's fiat withdrawal fees for UK residents.

For EEA residents, Uphold supports the same fiat withdrawal methods, except for the FPS:

Table: Uphold's fiat withdrawal fees for EEA residents.

Canadian users are a bit of an edge case here: their Uphold withdrawal fees boil down to only one type, since there’s only one withdrawal method available:

Table: Uphold's fiat withdrawal fees for Canada residents.

Last but not least, here are the numbers for the rest of the users residing outside any of the countries or regions I mentioned above:

Table: Uphold's fiat withdrawal fees for other users.

As you can see, Google Pay is only supported for fiat deposits but not withdrawals (and this applies for every country and region) – for that, you’ll have to stick to Apple Pay.

Crypto Withdrawals

That’s it for the fiat withdrawal fees – let’s talk about Uphold fees for withdrawing crypto. Unlike the former, there are no separate geographical categories here. There are two types of fees to account for: blockchain network fees, and an additional flat $0.99 fee Uphold charges for withdrawing assets from certain networks.

If you’re confused why this is the case, here’s the reason behind it: cryptocurrencies from some of the less popular blockchain networks aren’t traded on Uphold as often as others, but supporting those networks still incurs fixed costs the exchange needs to cover.^[1] Or, alternatively, some blockchains have very low network fees, which means Uphold makes little to no margin to cover their operational cost.

That’s why, if you’re withdrawing any of these crypto assets, you’ll be charged an extra $0.99 fee:

• DAG
• XDC
• BTG
• SGB
• FLR
• TRX
• SOLO
• CSPR
• COREUM
• KAS

For every other coin, you’ll only have to pay its network fees when withdrawing it. These are the withdrawal fees for some of the most popular cryptocurrencies on Uphold:

Table: Uphold's crypto withdrawal fees.

Keep in mind that these network fees aren’t set in stone – they can fluctuate at any time because of factors like network congestion and liquidity.

Uphold Trading Fees

As I already mentioned, Uphold fees are a bit unusual compared to those of most other popular exchanges – and by that, I specifically meant Uphold trading fees.

While exchanges like Coinbase and KuCoin implement a maker-taker fee model, according to which, traders who increase the exchange’s liquidity by placing Limit orders get to pay lower fees than those who place Market orders (thereby reducing liquidity^[2]), Uphold has chosen a much more stripped-down model of flat, percentage-based rates depending on the type of asset:

• BTC and ETH: 1.4% to 1.6%
• Stablecoins: 0.2%
• Altcoins: 2.5% to 2.95%
• Major Market FX: 0.3%
• Precious Metals: 1.9% to 2.95%

In addition to these rates, there’s an extra $0.99 fee for crypto trades (except for stablecoins) if the value of your trade is below $500 and you’ve placed any order type other than Trailing Stop or Take Profit.

As you can see, these Uphold trading fees don’t look very specific. The exchange lists a few more rules and guidelines on how your fees might change depending on certain conditions:

• When trading between two asset types, the higher of the two fees will apply. For example, if you’re converting an altcoin to a stablecoin, you'll be charged the altcoin rate.
• These fees apply to typical trade sizes on Uphold. For higher volume trades, you can expect your fees to be higher as they scale with the size of the transaction (although Uphold’s website doesn’t specify what counts as a “typical trade size”).
• Uphold transaction fees for altcoins depend on the liquidity. For instance, newly-listed tokens or those with a small market cap are typically less liquid and incur higher fees.
• Fees may vary during periods of high market volatility or reduced liquidity, as spreads can widen to reflect real-time market conditions. The exchange holds each price open for 18 seconds and notifies users when market spreads are over 4%.
• Uphold fees might also vary by region based on local market conditions or regulatory requirements.

If this still sounds a bit vague to you, the good news is that Uphold’s pricing model is all-inclusive and completely transparent: when you’re about to confirm your trade, the Uphold transaction fees displayed on the preview panel show the whole picture, so you won’t be hit with any surprise fees afterwards!

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Uphold Card Fees

Besides buying precious metals and trading or staking crypto, this exchange offers one more service: a crypto credit card for customers in the UK. So, let me explain the Uphold credit card fees and limits.

To begin with, the lack of certain fees is actually one of the main benefits advertised by Uphold. Unlike most typical credit cards, this one has no annual fees at all. What’s more, it boasts 0% foreign transaction fees, making it a perfect alternative for frequent travellers, and the card’s main selling point of 1% cashback for every purchase will actually help you save more money!

The only fees you’ll have to pay are a one-time physical card delivery or replacement fee of £9.95 (with the expected delivery time of 7 to 10 business days) and ATM withdrawal fees: £2.50 for withdrawals in the UK and EU and £3.50 for foreign withdrawals in the rest of the world. The virtual Uphold credit card is completely free; all you need to do is activate it on your mobile Uphold app.

And here are the transaction and withdrawal limits:

Table: Uphold Card limits.

While the number of daily transactions allowed seems very low at only 2, the rest of the limits are pretty reasonable and on par with the crypto payment cards from most other competitors.

Uphold VS Other Top Crypto Exchanges: Fee Comparison

Now that you're fully up to date with Uphold fees and limits, there’s only one question left to ask: how do they compare to those of other major crypto exchanges? Does Uphold’s unconventional pricing model come out ahead, or would you be better off sticking with the tried-and-true fee structure of its top competitors? Time for the showdown of the Binance, Bybit, and Kraken VS Uphold fees!

Uphold VS Binance

With over 272 million users worldwide, Binance is currently the biggest and most popular centralized crypto exchange in the world. It offers 400+ cryptocurrencies across 1,500+ market pairs and a whole arsenal of trading types for both beginners and pros: options, futures, margin, copy trading, and even a P2P marketplace.

Unlike Uphold, Binance has embraced the tiered fee system, offering 9 VIP tiers based on the user’s 30-day trading volume and the amount of BNB tokens in their account. Binance’s spot and margin trading fees start at 0.1% for both makers and takers, which is much lower than most of Uphold’s trading fees (and half the size of Uphold’s lowest 0.2% fee for stablecoins).

As for futures fees, Binance charges a 0.02% maker fee and a 0.05% taker fee for both stablecoin-margined and coin-margined perpetual contracts. In contrast, P2P trading is free of charge if you’re trading with fiat, but if you’re buying or selling with USDT, there’s a 0.5 USDT fee.

Another way Binance has an edge over Uphold is by offering a 25% trading fee discount for the holders of its native BNB token, alongside plenty of rewards programs and trading contests that give users an opportunity to win fee discounts or other prizes. Meanwhile, Uphold has no official token of its own and doesn’t usually offer any discounts; although, if you’re lucky, you might snag a referral code.

📚 Check Out: Binance VS Uphold Comparison

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Uphold VS Kraken

Kraken has 15+ million users across 190+ countries. You’ll find ~420 cryptocurrencies and a variety of trading options like margin trading with up to 5x leverage, derivatives trading with 200+ multi-collateral contracts, a DeFi swapping platform, and an OTC trading desk.

One of this exchange’s selling points that gives it a strong head start in the Kraken VS Uphold fees contest is its Kraken+ platform, which lets users trade crypto with zero trading fees (up to $10,000 per month) and offers a number of other rewards, such as exclusive airdrops. What’s more, you can get a free trial for 30 days, and after that, it costs only $4.99 a month.

Just like Uphold, Kraken splits its spot trading fees into separate categories based on asset types, although those categories look a bit different. There’s a 0.25%/0.4% maker/taker fee for crypto pairs, and a 0.2% maker/taker fee for fiat, stablecoin, or pegged token pairs (the last one applies to trading pairs like TBTC/BTC or WBTC/BTC). If you’re trading stablecoins, there’s no difference between the two exchanges, while in the other categories, Uphold wins out.

When it comes to futures fees, Kraken doesn’t differentiate between types of perpetual contracts. The universal futures fee is 0.02% for makers and 0.05% for takers. Kraken also charges a 0.01% to 0.02% opening and maintenance fee for margined positions.

📚 Check Out: Kraken VS Uphold Comparison

Uphold VS Bybit

Launched in 2018, Bybit has made a name for itself in the crypto exchange scene as one of the best platforms for crypto selection and competitive trading fees. It has more than 60 million active users. You’ll find almost 2,000 cryptocurrencies and a considerable selection of trading options, such as margin, futures, options, spread trading, and pre-market trading.

Just like Uphold and virtually every other exchange, Bybit doesn’t charge any fees for crypto deposits, while fiat deposit and withdrawal fees vary based on the currency and payment method.

In contrast to our exchange in question, Bybit rewards active users with trading fee discounts: there are 6 VIP tiers and 6 additional Pro tiers, the latter category featuring inverse fees (or rebates) for futures trading. Which tier you’re on is determined by your 30-day trading volume, but there’s no option to get on the VIP system by holding the exchange’s official token, since Bybit doesn’t have one.

Bybit easily edges out Uphold when it comes to spot trading fees: at 0.1% for both takers and makers, they’re on par with Binance and twice as low as Uphold’s stablecoin trading fees (the most affordable category). Meanwhile, the futures trading fees are 0.055% and 0.02% for makers and takers, respectively.

📚 Check Out: Bybit VS Uphold Comparison

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Uphold VS MEXC

MEXC is a centralized crypto exchange that supports margin trading, futures trading with up to 125x leverage, and grid trading. It boasts a massive selection of 2,800+ cryptocurrencies and has its own crypto payment card.

This exchange stands out as one of the most affordable centralized exchanges when it comes to trading fees: it doesn't charge any maker fees for spot or futures trading! That's right - if you're a maker, you can trade for free, even if you're not on a VIP tier. Meanwhile, takers are charged 0.05% and 0.02% for spot and futures trading, respectively; still a much better bargain than Uphold’s trading fees.

Just like Uphold, MEXC doesn't have any crypto deposit fees, while crypto withdrawal costs depend on the coin's network fees, and fiat withdrawal fees vary depending on the currency and the payment method.

MEXC offers a number of ways to reduce your fees. Holding at least 500 MX (the exchange's native token) entitles users to a 50% discount on trading fees, and the platform's generous referral system offers loyal users a commission of up to 40%.

📚 Check Out: Guide to MEXC Fees

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Conclusions

Uphold fees might look a bit different from what you’re used to, but when all is said and done, the principle is still the same: you’ll have to deal with fiat deposit and withdrawal fees, crypto withdrawal fees, and trading fees for various types of assets offered by this exchange. Uphold Card doesn’t come with any annual or transaction fees, but you’ll still need to pay for ATM withdrawals.

Unlike most other centralized crypto exchanges, Uphold doesn’t have the traditional maker-taker fee model or trading volume-based fee tiers that reward the most active users. However, the trading fees for the most popular coins, such as USDT and USDC, are still pretty low.

The content published on this website is not aimed to give any kind of financial, investment, trading, or any other form of advice. BitDegree.org does not endorse or suggest you to buy, sell or hold any kind of cryptocurrency. Before making financial investment decisions, do consult your financial advisor.

Scientific References

1. Aspris A., Dyhrberg A. H., Putniņš T. J., Foley S.: 'Digital Assets and Markets: A Transaction-Cost analysis of market architectures';

2. Brauneis A., Mestel R., Riordan R., Theissen E.: 'The anatomy of a fee change — evidence from cryptocurrency markets'.