Debit card withdrawals

How do debit card withdrawals work?

Withdrawing funds to a debit card uses a process called OCT, or Original Credit Transaction, where funds are sent to your bank account via the debit card associated with it. Debit card withdrawals facilitate a faster and more direct method of withdrawing your funds from the Uphold platform.

How do I initiate a withdrawal to my debit card?

1. On the home screen, tap Withdraw.
2. Select the account you want to withdraw from.
3. Choose Debit or credit card as the withdrawal method.
4. Enter the amount you wish to withdraw.
5. Tap Preview withdrawal to review the details.
6. Tap Confirm withdrawal to complete your withdrawal.

Note that only eligible cards are displayed during the withdrawal process. Eligibility conditions include:

• The card's issuer country must match your account address.
• The card must support cross-border payouts.

Are there any fees associated with withdrawals to a debit card?

Yes, please visit Uphold Fees & Limits for more information. 

How long does it take for the funds to appear on my card?

Debit card withdrawals are usually completed within minutes, but in some specific cases it may take up to 2 days. Cards compatible with instant withdrawals will have a lightning icon next to them for easy identification. 

Can I withdraw to any debit card?

Card withdrawals are subject to regional availability. To receive funds this way, your card must support OCT (Original Credit Transaction). If your country or card type is unsupported, it will not be available for selection.

To ensure your card’s compatibility, follow these steps:

1. Open the Uphold app and tap the Account Center icon on the top-left corner.
2. Navigate to Accounts.
3. Under the My cards section, tap on your desired card to access its details.
4. Within the card details preview, look for information indicating whether your card supports standard withdrawals or instant withdrawals.