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.
- On the home screen, tap “Withdraw”.
- Select the account you want to withdraw from.
- Choose Debit or credit card as the withdrawal method.
- Enter the amount you wish to withdraw.
- Tap “Preview withdrawal” to review the details.
- Tap “Confirm withdrawal” to complete your withdrawal.
Please note: 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.
Yes, please visit Uphold Fees & Limits for more information.
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.
Only cards that support a process called OCT (Original Credit Transaction) can receive withdrawals this way. To ensure your card’s compatibility, follow these steps:
- Open the application and select the “More” option.
- Navigate to “Linked Accounts”.
- Under the “My Cards” section, tap on your desired card to access its details.
- Within the card details preview, look for information indicating whether your card supports standard withdrawals or instant withdrawals.
| US, UK and EU | RoW* | |
| Visa debit | √ | √ |
| Mastercard debit | √ | x |
NOTE: We only support domestic payouts, i.e. your card's issuer country must match your account address.
* Except Canada.