Uphold / Card review

Crypto payment card

Uphold UK Mastercard

Mastercard for UK residents, spending Uphold balances and rewarding GBP-funded purchases.

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Official product image · Designs may vary by country and tier.

Before you apply

Selected tier / planStandardUphold UK Mastercard

Select where you live, not your travel destination.

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Choose your residence first

Important to check

  • A 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.

Documents & application →

Features & benefits

UK cashback for purchases funded from GBP balances.

Rewards · first band
1% on GBP-funded spend
Spending preferences
Spend funded balance
Custody model
Service account / loaded balance

Read the conditions behind the figures · Fees & benefit conditions ↓

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.
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
How the card works
  • Mastercard for UK residents, spending Uphold balances and rewarding GBP-funded purchases.
View cards & plans4

Fees & benefit conditions

Card issuance fee
Virtual free; physical delivery 9.95 GBP
Maintenance / subscription
0 GBP annual fee
Foreign-currency fee
0%

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.

Documents & application

Documents to prepare

Check accepted ID and any address evidence in the application for your residence and program.

Steps on the official site or app

  1. Choose the residence-specific debit plan from the Uphold app Card tile.
  2. Select the funding asset with Change, then fund that balance via Transact.
  3. 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.

Full details & support

Full details

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
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.
Official help and support ↗
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.

An alternative to compare
Krak Mastercard UK/EEA ↗

For UK crypto spending with rewards tied to average balances.

Check regional terms
Compare both cards →

Official documentation & sources

Official sources