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Uphold / Card review
Crypto payment card
Uphold UK Mastercard
Mastercard for UK residents, spending Uphold balances and rewarding GBP-funded purchases.
- Rewards · first band
- 1% on GBP-funded spend
- Foreign-currency fee
- 0%
- Card issuance fee
- Virtual free; physical delivery 9.95 GBP
- Maintenance / subscription
- 0 GBP annual fee
Your selected card: before you apply.
Selected tier / planStandardUphold UK Mastercard
Check regional termsChoose your residence first
- Documents to prepare
- Check accepted ID and any address evidence in the application for your residence and program.
- Cost to obtain the card
- Virtual free; physical delivery 9.95 GBP
Maintenance / subscription: 0 GBP annual fee
Steps on the official site or app
- Choose the residence-specific debit plan from the Uphold app Card tile.
- Select the funding asset with Change, then fund that balance via Transact.
- Order physical debit through Settings → Get physical card and activate only after delivery.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Why choose this card
UK cashback for purchases funded from GBP balances.
A good fit if
For UK personal users paying in GBP who want 1% cashback, capped at GBP100 monthly.
The tradeoff
Crypto-funded purchases earn no cashback and incur trading fees.
For UK crypto spending with rewards tied to average balances.
Check regional termsView cards & plans4
Fees & rewards
Standard
- Rewards · first band
- 1% on GBP-funded spend
- Foreign-currency fee
- 0%
- Card issuance fee
- Virtual free; physical delivery 9.95 GBP
- Maintenance / subscription
- 0 GBP annual fee
Read the conditions behind the figures
Only GBP-funded spend earns 1%, capped at GBP100 monthly. Rewards below GBP1 roll over. Physical delivery is GBP9.95; crypto trading fees apply separately.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Spend funded balance · GBP / EUR / USD / 15 fiat currencies / 300+ crypto assets
Select the funding asset with Change, then fund that balance via Transact.
Before you apply
Check regional termsA listed country does not guarantee personal approval. Check identity, address, documentation and delivery requirements.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- GBP · EUR · USD · 15 fiat currencies · 300+ crypto assets
- Supported networks
- Official confirmation needed
- Balance / billing currency
- GBP
- Conversion timing
- At payment
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Official confirmation needed
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Uphold e-money account provided by Optimus Cards UK Limited
The app provides card freezing. UK e-money balances are safeguarded in ring-fenced bank accounts and are not covered by FSCS deposit protection.
Official sources
UK card ↗Rewards ↗
Official terms · 2026-09-08 ↗
Official information · Uphold UK Mastercard ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026