LONDON, UNITED KINGDOM — If you're searching for a versatile crypto platform that goes beyond basic Bitcoin trading, Uphold offers a unique blend of cryptocurrencies, precious metals, stocks, and carbon credits—all within a single account. But does this "all-in-one" model deliver? After three months of hands-on testing, we break down its strengths, limitations, and ideal user profiles for 2025.
Uphold Review: Our Final Verdict
Uphold excels in flexibility and ease of use, particularly for cross-asset swaps like crypto-to-gold or USD conversions. While its fees are higher than average, the platform compensates with robust security, real-time proof of reserves, and a streamlined interface perfect for long-term investors.
👉 Explore Uphold’s multi-asset platform today
Uphold at a Glance
| Feature | Details |
|---|---|
| Founded | 2015 |
| Assets Supported | 300+ cryptos, 27 fiat currencies, 4 metals, U.S. stocks |
| Trading Fees | 1.4%–2.95% spread-based |
| Staking APY | Up to 17.6% (excludes U.S./U.K./EU) |
| USD Interest | Up to 5% APY via FDIC-backed partners |
| Best For | Beginners, diversified portfolios, passive earners |
What Is Uphold?
Uphold is a multi-asset trading platform launched in 2015, enabling users to trade cryptocurrencies, metals, and fiat seamlessly. Its standout feature? Instant swaps between asset classes—no external wallets or transfers required.
Key Highlights:
- 300+ cryptocurrencies, including BTC, ETH, SOL, and XRP.
- Trade crypto-to-gold or fiat in one click.
- Intuitive interface for beginners.
Pros and Cons of Uphold
✅ Pros
- Beginner-friendly: Clean UI with minimal learning curve.
- Diverse assets: Crypto, metals, stocks, and fiat in one account.
- Transparency: Real-time proof of reserves dashboard.
- Flexible wallets: Custodial, Vault (delayed withdrawals), and Web3 options.
❌ Cons
- High fees: Spreads up to 2.95% for trades.
- Limited tools: No advanced charts or futures trading.
- Slow support: Email-only customer service.
👉 Start trading with Uphold’s versatile platform
Uphold Fees Explained
Uphold uses spread-based pricing (1.4%–2.95%) instead of flat fees. Additional costs:
- Deposits: Free via bank/crypto; 3.99% for cards.
- Withdrawals: Network fees for crypto; variable fiat charges.
Example: A $100 ETH trade incurs ~$2.20 in fees.
Is Uphold Safe?
Yes. Uphold is regulated by FinCEN (U.S.), FCA (U.K.), and CSSF (EU). Key safeguards:
- 2FA and biometric logins.
- FDIC insurance for USD balances.
- No major hacks to date.
Supported Cryptocurrencies
Uphold offers 300+ coins, including:
- Major cryptos: BTC, ETH, ADA.
- Stablecoins: USDC, USDT.
- Meme coins: DOGE, SHIB.
Wallet Options
- Standard Wallet: Custodial for everyday use.
- Vault: Delayed withdrawals for security.
- UpHODL: Non-custodial Web3 wallet (beta).
Mobile App Experience
- Ratings: 4.6★ (iOS), 4.3★ (Android).
- Features: Face ID, quick swaps, portfolio tracking.
Staking & Interest Earnings
- Crypto Staking: Up to 17.6% APY (excludes U.S./U.K./EU).
- USD Interest: Earn 5% APY on balances over $1,000.
Who Should Use Uphold?
👍 Ideal For:
- Beginners seeking simplicity.
- Diversified investors (crypto + metals + fiat).
- Passive earners via staking/interest.
👎 Avoid If:
- You’re an active trader needing advanced tools.
- Fee sensitivity is a priority.
Uphold Alternatives
| Feature | Uphold | Coinbase | Robinhood |
|---|---|---|---|
| Fees | 1.4%–2.95% | Up to 4.5% | $0 (hidden spreads) |
| Assets | 300+ cryptos, metals | 250+ cryptos | 18+ cryptos, stocks |
| Staking | Yes (restrictions) | U.S. only | No |
Final Verdict
Uphold shines for its multi-asset flexibility and ease of use, making it a top pick for beginners and long-term investors in 2025. While fees and limited tools may deter advanced users, its transparency and unique offerings (like metals trading) set it apart.
👉 Begin your diversified investing journey with Uphold
FAQ
1. Is Uphold safe for crypto storage?
Yes, with 2FA, proof of reserves, and regulatory compliance.
2. Can I stake on Uphold?
Yes, but not in the U.S., U.K., or EU.
3. How do fees compare to Coinbase?
Lower than Coinbase’s highest tiers but pricier than Binance.
4. Does Uphold support Web3 wallets?
Yes, via its UpHODL non-custodial wallet (beta).