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Link a payment method

Updated

This article provides instructions on how to link your debit/credit card, ACH bank account, SEPA / FPS bank account and Apple Pay to your Uphold account, as well as how to deposit via wire transfer. 

Click on the respective payment methods below for instructions.

  1. Go to "Menu" in the application.
  2. Select "Linked Accounts."
  3. Under "My Cards," click on the "+" symbol to add your card.
  4. Enter the card details, such as the card number, validation date, and CVV.
  5. Click the "Add Card" button.

Via Plaid

If you already have a U.S. bank account linked to Uphold, you can easily link that account with Plaid for faster settlement times and higher transaction limits using these simple steps:

 

Web

  1. Log in to your Uphold account
  2. In the Settings section, select “funding methods”
  3. Select “Add bank account” and choose “Use bank login credentials”
  4. Review the Plaid requirements and select “Continue” 
  5. Select your bank and enter you bank’s login credentials (you may also be instructed to answer your online banking security phrases)
  6. Once your credentials are confirmed, select “Continue”
  7. Select the account(s) you have connected to Uphold and click “Add accounts”

You will see a blue “check” next to your bank account details once it’s connected with Plaid.

Via Micro-Deposits
  1. Go to the Transact option.
  2. Select the From option.
  3. Click on + next to Banks
  4. Select the US Dollar currency.
  5. Select Link a bank account.
  6. Tap/Click Continue on the Plaid menu
  7. In the Search box, start typing your bank name or go to the bottom of the list to find the option Link with Account numbers
  8. Enter your account and personal information information
  9. Authorize the micro deposit and subsequent reversal**
  10. Wait for the micro deposit to reach your bank account (Can take a few working days)
  11. Once you received the micro deposit, log back in and go again to your Linked Accounts page
  12. Select your account with the blue exclamation mark asking to be verified.
  13. Choose to verify your bank account.
  14. Enter the 3 letter code, first 3 letters after the #
  15. Your account is now linked. Happy trading!
*Important Information:
Microdeposits Reversal

**Plaid will reverse the micro-deposit from your bank account.

Funds Settlement

Funds deposited through ACH are immediately available for you to trade, but you’ll only be able to withdraw the deposited amount and related profits to the same bank account once the funds settle, usually after 4-5 business days.

Cooldown Period

The deposited amount is subject to the 65-day withdrawal restriction before being able to withdraw to external crypto or different bank accounts.

Names must match

The name on your bank account must match the name on your Uphold account in order to link the two successfully.

  1. Go to "Menu" in the application.
  2. Select "Linked Accounts."
  3. Under "My Banks," click on the "+" symbol to add a bank account.
  4. It will take you to the "Transact" screen, where you can complete a deposit from the bank account you want to add.

  1. Tap Transact on the navigation bar on the bottom of the screen.
  2. Tap From and select bank account
  3. Select Banks and tap +
  4. Tap USD
  5. Tap Wire transfer
  6. Tap To and select the asset you want to get funded in Uphold.
  7. The Reference code will update to identify the asset you chose as well as your account
  8. You’ll find all the details required to initiate a wire transfer in USD from your bank account.

  1. Tap “Transact” on the navigation bar at the bottom of your screen
  2. Tap "From", choose Apple Pay and enter the amount
  3. Tap "To" and choose the asset
  4. Tap “Preview deposit”
  5. Check all the details
  6. Tap “Buy with Apple Pay”
  7. Select the card you want to use and confirm the transaction!

We only accept Visa and Mastercard through Apple Pay. You must also reside in a country where we accept debit/credit card payments.

Apple Pay is available in these countries.

Please note, you must also reside in a country where we accept debit/credit card payments.

No, Apple Pay is only available for individuals.

There’s a $500 daily limit for any deposits using Apple Pay. The limit resets at midnight. You must have Apple Wallet and/or Apple Pay set up in your phone.

  1. Tap “Transact” on the navigation bar at the bottom of your screen
  2. Tap "From", choose Google Pay and enter the amount
  3. Tap "To" and choose the asset
  4. Tap “Preview deposit”
  5. Check all the details
  6. Tap “Buy with Google Pay”
  7. Select the card you want to use and confirm the transaction!

We only accept Visa and Mastercard through Google Pay. You must also reside in a country where we accept debit/credit card payments.

Google Pay is available in these countries.

Please note, you must also reside in a country where we accept debit/credit card payments.

No, Google Pay is only available for individuals.

There’s a $500 daily limit for any deposits using Google Pay. The limit resets at midnight. You must have Google Wallet and/or Google Pay set up in your phone.

Obtaining a crypto deposit address

1 - Go to your Portfolio tile.
2 - Choose the crypto account associated with the asset you want to deposit.
3 - Tap on the ellipsis (...) or the additional options menu.
4 - Select "Wallet Address" to generate a page displaying the crypto address for that specific asset.
5 - You can copy the wallet address or scan the QR code if you prefer.

Additionally, you'll find useful details about the transaction, such as the name of your receiving account and the estimated settlement time for your crypto deposit.

Don’t forget your destination tag/memo when depositing cryptocurrencies employ destination tags/memos to differentiate transactions!

 

Manage or remove a payment method

You can easily manage the cards and bank accounts on your Uphold account using the app:

  1. Open the Uphold app on your device.
  2. Tap the "More" menu located in the top-left corner.
  3. Select "Linked accounts" from the options.
  4. To remove a card or bank account, tap on the one you want to remove, and then select the "Remove" option.

That's it!

For a full breakdown of our fees by region, please visit our Uphold Fees & Limits page.

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