This guide provides step-by-step instructions for funding your Uphold wallet with US dollars using your bank account. You have the option to deposit through ACH connectivity or wire transfer. Explore the details of these methods below.
How to make a deposit through the Uphold app
To deposit funds into your Uphold account, you can pull money from a linked ACH bank account, subject to certain limits.
- On the Home Screen, tap Deposit.
- Select ACH bank deposit. If you haven't linked an ACH account, tap “+” to link your bank account via Plaid.
- Enter the deposit amount.
- Tap Preview deposit to review.
- Tap Confirm deposit to complete.
- On the Portfolio, click the Bank icon at the top right.
- Select ACH bank deposit. If you haven't linked an ACH account, tap “+” to link your bank account via Plaid.
- Enter the deposit amount.
- Tap Preview deposit to review.
- Tap Confirm deposit to complete.
How to make a deposit through your bank
You can push funds into your Uphold account, allowing larger amounts, but processing might take longer. Funds can take up to 2 business days to become available for trading.
- On the Home Screen, tap Deposit.
- Under Regular bank transfer:
a. If the USD unique account hasn’t been activated, tap Get USD Unique Account.
b. If already activated, tap USD unique account.
- Copy the account details and enter them in your banking app to make a deposit.
- On the Anything to Anything, click Select source.
- Browse to My banks and:
a. If the USD unique account hasn’t been activated, click Get USD Unique Account.
b. If already activated, click USD unique account.
- Copy the account details and enter them in your banking app to make a deposit.
- ACH (2 days withdrawal lock)
- Wires (2 days settlement time)
- RTP (instant settlement)
- Fednow (instant settlement)
How to receive your paycheck via ACH deposit
The USD Unique Account also allows you to receive your paycheck directly into your Uphold account.
Here’s how to get started:
- On the Home Screen, tap Deposit.
- Under Regular bank transfer, select USD unique account.
- Tap Want your paycheck directly deposited into Uphold account?
- Give your employer the account details and amount, and ask them to deposit directly into your USD unique account.
- On the Anything to Anything, click Select source.
- Browse to My banks and select USD unique account.
- Click Want your paycheck directly deposited into Uphold account?
- Give your employer the account details and amount, and ask them to deposit directly into your USD unique account.
Name matching & transaction reviews
- The name of the bank account you are sending from must match the name on your Uphold wallet, except for paycheck deposits.
- Very occasionally, deposits may be temporarily held for review. If that happens, we will immediately let you know and keep you up to date.
More details on deposit methods here.