Uphold makes your money work harder for you.
Crypto, stocks, yield, & loans—all in one app. Trusted by millions.
TRUST & SECURITY
Your money is 100% reserved. We never loan out your funds. Advanced encryption for your data.
INVESTING
Buy and sell 360+ digital assets. Trade 4,000+ stocks and ETFs¹.
USD INTEREST ACCOUNT
Earn up to 3.75%² APY on your cash balance.
STAKING
Earn up to 13.9%³. Weekly rewards.
PAYCHECK TO CRYPTO
Earn up to 3%⁴ when you Auto-Invest a portion of your paycheck.
UPHOLD DEBIT CARD
Earn up to 4%⁵ in XRP on your spending.
USDC LENDING
Earn up to 7%⁶ yield by lending USDC.
STABLECOIN REWARDS
3% on RLUSD and 2% on USDC.⁷
INSTANT CASH LOANS
Borrow against your crypto without selling. Get cash directly into your Uphold balance.⁸
EARLY PAYCHECK
Get your paycheck up to 2 days early with Direct Deposit.
DISCLAIMERS: Based on availability in your location. Digital assets are risky and may fluctuate in value. Investors should consider the investment objectives of trading carefully before investing.
¹Securities offered via Uphold Securities Inc. in a fractional capacity and custodied by Apex Clearing Corporation. Brokerage services offered through Uphold Securities Inc., a registered broker dealer (member FINRA & SIPC). Stocks and ETFs are subject to market fluctuation and, in the case of ETFs, the risks of their underlying investments. ETFs also subject to management fees and other expenses.
²Brokerage account offered by Atomic Brokerage LLC, member FINRA/SIPC, for participation in the Atomic Cash Sweep Program. Neither Atomic Brokerage, nor any of its affiliates, is a bank. Funds held in your Atomic Brokerage account are not FDIC-insured. For full details about the program and more information, go to http://www.atomicvest.com/atomicbrokerage. Balances of $1,000 or more earn 3.75% APY. Balances under $1,000 earn 2% APY. Rates subject to change.
³Staking rewards not guaranteed and assets are locked during unbonding period. Cryptoassets are volatile and may lose value while staked. Uphold takes a 20–25% commission. APYs are estimates, not guarantees. Staking rewards may vary based on supply and demand in the blockchain's protocols. Uphold has no control over and cannot guarantee APY rates.
⁴Earn XRP on Auto-Invest purchases. 3% back for purchases of $500+/mo and 2% back for purchases under $500/mo. Max reward $300/mo. Rates subject to change. Terms apply https://uphold.com/en-us/legal/auto-invest-xrp-reward-program.
⁵Cards issued by Cross River Bank, Member FDIC on the Visa network. Terms apply https://uphold.com/en-us/legal/card-terms. Reward values vary based on Card Plan and subject to change.
⁶USDC Lending Yield is variable, not guaranteed and paid by the Exactly Protocol. Uphold does not control or manage the Protocol. USDC leaves the Uphold wallet. Withdrawals depend on available pool liquidity.
⁷Stablecoin Rewards subject to change. Percent rewards are calculated on an annualized basis.
⁸Terms apply. Loans offered through Exactly Protocol. Uphold not responsible for assets once transferred to Exactly Protocol. Users who convert loan proceeds from USDC to USD may carry standard market bid/ask spreads if they exceed their monthly 1:1 conversion limit. Borrowing capacity depends on eligibility, collateral asset, collateral value and credit health. Deferring payments results in higher total payments. Late payments accrue default interest.
Images are for illustrative purposes only.
See our terms of use and privacy policy:Terms of Use: https://uphold.com/terms-of-use-usaPrivacy Policy: https://uphold.com/privacy-policyUse of the application is subject to Apple's standard terms.US customers see: https://www.apple.com/legal/internet-services/itunes/us/terms.htmlLOOKING FOR HELP?Visit https://support.uphold.com further assistance.
Uphold HQ Inc. NMLS ID No. 1269875,Registered Office: 80 East Sir Francis Drake Blvd.,Ste. 3E, Larkspur,CA 94939
It’s a shame it’s had to come to this point, I’ve been using uphold for over a year now and mostly have had positive experiences. There has been some good and some bad. Lately it’s been bad, I contacted customer support in regards of having complications purchasing Luna when it became fractions of a penny. They swiftly replied and made it seem as if they were actually trying to resolve the issue, I then get moved to an email ticket, under the impression they were trying to quickly resolve my issues. I was told via email that someone was going to contact me about my issues shortly and after waiting a few hours I attempted to email again asking for an update on what’s going on, another few hours go by and still nothing, I email again, at this points it’s been well over twelve hours and I’m still being left in the dark with this. It seems as if they are trying to prevent people from buying at all time lows. Not only is this issue currently going on but this app has been known for being hacked and many people losing lots of money so don’t even think about keeping your money on this exchange. It’s really unfortunate that I will need to take my business else where. This exchange is cool if you need to get xrp since they didn’t delist it but I would never recommend using this exchange for anything else, which is sad because at one point I viewed them as a very solid exchange.
Developer Response
Hi, if you are still experiencing this issue please share your support ticket number and we'll take a look right away, thank you for your patience.
Uphold really stands out from everyone else
smersyside
I am not sure why there are so many negative reviews about uphold. I am personally using uphold for more than 2 years and never had any major issues with anything. Yes there are some minor glitches here and there but, guys, I haven’t seen a single bug free system. Not even in the products of those trillion dollar companies. I am a rigorous user of uphold and kind of made quite an exhaustive use of their platform since I am a long time user. I must say, one thing they have is really unique which is bringing such a modularities in the use of currencies. You can literally convert between any pair of currencies and if you have their debit card, you can also spend them. That means for example, if you want to buy a gift for you friend living in let say, Switzerland and you have some bitcoin in your account, you can just convert them in Swiss Frank right away and use their debit card to make the purchase without paying international transaction fees or restrictions. This is really a true democratization of currencies. I am pretty sure the uphold team is already addressing the issues and complaints the customers have. But, one thing I must say that if you use all the features of the platform instead of using uphold just as another crypto exchange, you will definitely find it unique.
Don’t use uphold
restricted unjustly
Ugg, i was typing this and it disappeared so i have to retype, if a duplicate is there somewhere I’m sorry .. i have used uphold for 2-3 years and over time they have repeatedly locked the account causing many delays at critical moments and it took days to get it sorted out and i had to repeatedly reverify my “identity” even though i used every security measure possible, they say it is for MY safety or some nonsense. Well now finally they have just told me, after a week of back and forth trying to fix my debit deposits not working, that i can “indefinitely” not move crypto ANYWHERE, all i can do is deposit, trade on uphold, and move BACK to bank. so no moving to hardware wallet, keeping everything locked in their account subject to their OUTRAGEOUS fees for everything. People say “not your keys, not your crypto” and so this is NOT my crypto and is subject to them getting hacked or collapsing. LUCKILY i had already began not to trust them so moved everything off over time! Do NOT trust centralized exchanges ever, if you HAVE to use them, get everything off of them the SECOND you are finished. mark these words: it will come out they Uphold, has NOT upheld the law when it comes to shady back end dealings.I thank God though!, this is FORCING me to learn more about defi
Do Not Use Uphold
Usjnendin
Now another issue with this platform constant verification I haven’t reported any issues with my account and now when I log in I get a message stating “To keep an accurate snapshot of you as customer please provide a selfie”. Mind you I’ve had this account for years haven’t reported any issues recently so why am I having to take a selfie to verify my account? It seems way too intrusive. Asking what I do for my job? Whose my employer? How much I make and how much I plan to deposit in my accounts and now they need constant photo verification just from me logging in is seeming extra and weird. I only buy XDC because currently it’s the only place I can buy and keep it stored but I’m done depositing anymore money into this scam app especially after all the negative reviews I’ve been reading. Hopefully ledger live supports xdc soon so I can remove the rest of my coins and be done with this weird privacy invading scam app. Also they charge way more to buy crypto than on other apps. Don’t sign up look elsewhere. Used to be a great app but has become increasingly worse over the past couple of years almost like they want people to leave it’s frustrating.
Developer Response
We're sorry to hear about the trouble you seem to be having. We’ve a number of security features in place to protect Customer assets which we appreciate can sometimes be frustrating to navigate. Thanks for providing your ticket number, I’ve escalated this with our customer service team as urgent. I can assure you that a member of our team will be in touch shortly. Thank you for your ongoing patience.
Updates from Uphold
Uphold is the place to trade between cryptocurrencies and other assets.
Our recent updates include:
- Minor fixes and performance improvements
For support, visit: support.uphold.com
Thank you for choosing Uphold — stay tuned for more exciting updates!
Version 6.109.0
The developer, Uphold HQ Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Location
Browsing History
Identifiers
Usage Data
Other Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
Contacts
Browsing History
Identifiers
Usage Data
Sensitive Info
Diagnostics
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Uphold HQ Inc.
Size
186.5 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English and Spanish
Age Rating
18+
18+
This app is rated 18+ with content restrictions.
Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.
