welcome
Independent UpFinance agents · 140+ countries
One card for your crypto and your cash.
UpFinance gives you one account for crypto and fiat money, with a Visa or Mastercard card accepted at more than 130 million merchants. We are independent agents: we open it with you, step by step, and stay your contact afterwards.
No minimum deposit. Our help costs you nothing.
- Virtual card in minutes, physical card worldwide
- Send, swap and spend in 45+ currencies
- A personal agent on WhatsApp and Telegram
Crypto assets can lose value, and yields are variable and not guaranteed. Accounts, cards and investment products are provided by UpFinance and its partners under their own terms, not by us.
- 140+Countries where you can register
- 130M+Merchants that accept the card
- 45+Currencies in one account
- 5Minutes to open your account
Latest news
Announcements from the GetUpCard team, as they are posted in our Telegram channel. Posts about UpFinance are shared as they were written.
From the GetUpCard announcement channel
One account
Everything your money needs, in one place
UpFinance brings card, transfers, exchange, savings and investing together, for crypto and fiat alike.
Spend any asset, anywhere
A Visa or Mastercard card, virtual or physical, that pays from your balance in crypto or fiat. The conversion happens the moment you pay, at more than 130 million merchants worldwide.
- Virtual card ready in minutes
- Physical card for shops and ATM cash withdrawals
- Crypto and fiat from one balance
UpPay
Send money worldwide in seconds
Transfers to more than 140 countries in 45+ currencies, settled the same day.
UpSwap
Crypto to fiat in one tap
Change between currencies and crypto at real-time rates, routed for the best price.
UpEarn
Let your balance work
Up to 8% a year on your assets, with flexible withdrawal and no lock-up. Yields change and are not guaranteed.
UpInvest
Invest beyond crypto
Curated opportunities across crypto and global markets, including tokenized US Treasury bills.
Product details and figures come from UpFinance's own website and can change. Check the current fees, limits and availability for your country with UpFinance before you use a service; we are happy to help you find them.
For African businesses
Pay the world from one account
Ads, software, suppliers, flights and trade fairs abroad all need a card that works internationally. If your business earns or holds money outside your home country, UpFinance puts it on a Visa or Mastercard card you can use worldwide, with an agent who knows your market.
Online tools and ads
Pay for social media ads, cloud hosting and software subscriptions with a virtual card ready in minutes. A separate card for each tool keeps spending easy to follow.
Paid in dollars by clients abroad
Exporters, agencies and freelancers paid in dollars or stablecoins keep that money in one balance and spend it by card, without converting back and forth.
Travel and trade trips
Flights, hotels and supplier visits abroad, paid by card from your balance, with ATM cash on the physical card.
A good fit if
- Your company is registered or banks outside your home country, for example in the UAE
- Clients abroad pay you and you may legally keep those earnings outside the country
- You live in the diaspora and run or support a business back home
Play by the rules and your card keeps working
UpFinance checks every customer's identity: there is no account without it. Fund your balance only with money you hold legally. If your country limits foreign currency or crypto, as Ethiopia and Egypt do, those rules still apply to you. This card is not a way to move money out of your country, and we will not help anyone do that.
Why an agent
You could sign up alone. It is easier with us.
With us you have a person who knows the app, answers in your language and helps when something gets stuck.
Step-by-step help
We go through the sign-up and the identity check with you, in chat or on a call, until your card is ready.
Your channel, your language
Write to us on WhatsApp, Telegram or by email. This site and our chat assistant speak 24 languages.
Personal and business
Freelancers, creators, online shops and companies paid from abroad get help choosing the right setup.
Your keys stay yours
We never ask for passwords, codes or card numbers. Your documents go only into UpFinance's own app.
Open your account in 4 steps
It takes about five minutes. Our referral code is already in the link, so you are linked to us as your agent and we can help you right away.
Create your account
Open the sign-up with the button below and choose your own password. Our code is already filled in.
Verify your identity
UpFinance asks for an ID document and a selfie in its own app. We help you if anything is unclear.
Fund your balance
Deposit by bank transfer, card or crypto. Everything lands in one balance.
Activate your UpCard
Get your virtual card and order a physical one. Then spend, send, swap and earn from one place.
Stuck at any step? Message us and an agent helps.
Guides & materials
Watch how it works
Short videos and slide decks from UpFinance: opening an account, KYC, the cards, top-ups and more. Watch them here, download them, or send the link to someone you are helping.
Nothing on this topic in this language yet.
Videos and documents by UpFinance, from the UpFinance Hub library. upfinance.vip
Partner program
Earn as an UpFinance agent
Recommend UpFinance to your community and earn on the accounts opened through you. You get your own page on this site, with your name, your contacts and your referral code on every button.
Open the agent program
Sign up free to see the earnings calculator, how agent commissions work and how to apply. It takes a minute, and Google, Facebook or Telegram work too.
Already signed up on this device? The section opens by itself.Selling guide
How to sell UpFinance the right way
The agents who last are the ones clients trust. Here is what works, and the lines that protect you and the people you sign up.
Pick people you understand
Freelancers, online sellers, diaspora communities, companies paid from abroad. Start with a group whose payment problems you know first hand.
Start with their problem
Ask how they pay for ads, software or travel today and what goes wrong. Bring up UpFinance only as the answer to that.
Show it live
Open the app on a call or bring them to a live info call. Watching a virtual card being created convinces more than any message.
Stay their contact
Help them through the identity check, check in after the first payment and answer quickly. Happy clients bring the next ones.
Say this
- There is an identity check. It protects your account and keeps the card working.
- The fees and limits are in the app. Let us look at them together.
- Crypto prices move, and yields are not guaranteed.
- I am an independent agent and earn a commission from UpFinance.
Never say this
- "No KYC" or "no ID needed". It is false, and it attracts exactly the clients whose accounts get frozen.
- "Get your money out of the country". Helping anyone get around foreign exchange or crypto rules is illegal, and you are the one exposed.
- "Guaranteed returns" or "risk free".
- "Send me the money and I will load your card". Never handle a client's money, passwords or codes.
Questions you will hear
Why not just use my bank card?
Many local cards are blocked or capped for payments abroad. UpCard pays from crypto or fiat in one balance at more than 130 million merchants. Compare the fees honestly, in the app, together.
Is my money safe?
Show UpFinance's own explanation (licensed partners, MPC custody, fraud monitoring) and the risks in our FAQ. Never promise more than UpFinance does.
Can I use it where I live?
Check the rules of their country together before they sign up. If it restricts crypto or foreign currency, say so plainly. A lost sale is better than a client in trouble.
Where it works: your page link in WhatsApp status and groups, Telegram communities, LinkedIn and diaspora associations. Tracked links such as getupcards.com/go/tiktok?p=yourname show which channel brings sign-ups.
Your questions, answered
Is UpCard a credit card?
No. UpCard pays from your own UpFinance balance, in crypto or fiat, converted the moment you pay. It is not a loan: you spend what you hold.
Who is behind UpFinance?
According to its terms of service, UpFinance is operated by UpGlobal Inc., a Delaware company; its privacy policy also names Osmosis Limited in Hong Kong. Read its terms, privacy and KYC policies at upfinance.ai before you sign up.
Who are you?
GetUpCard is a team of independent agents. We are not UpFinance employees and cannot see or change your account. We help you open and use it, and UpFinance pays us a commission for accounts opened through our link.
Who can open an account?
You must be 18 or older and pass UpFinance's identity check. UpFinance registers users in more than 140 countries. Residents of sanctioned countries such as Cuba, Iran, North Korea and Syria cannot sign up, and some services may not be offered everywhere. Ask us about your country.
What does it cost?
Opening the account needs no minimum deposit, and our help is free for you. UpFinance charges its own fees for some services, such as the physical card (from $10), card payments, exchange or transfers. Check them in the app, or ask us, before you use a service.
Is my money safe?
UpFinance says it works with licensed partners and uses MPC custody, encryption and fraud monitoring. No financial service is free of risk: crypto prices move, yields are not guaranteed, and balances may not be covered by a deposit guarantee scheme. Only keep there what you can afford to have at risk.
What do you need from me?
Only your name and contact details, so we can help. Your ID documents and passwords go only into UpFinance's own app. We will never ask for a password, a one-time code or your card number.
How do I become an agent?
Use Become an agent or the contact form and choose "Becoming an agent". We explain the terms, set up your personal page and your code, and connect you to our CRM. Joining costs nothing.
Can I use UpFinance to move money out of my country?
No. Fund your account only with money you hold legally. If your country limits foreign currency, crypto or transfers abroad, those rules apply to you whatever card you use, and breaking them can carry serious penalties. We do not help anyone get around them, and UpFinance checks every customer's identity.
Join the GetUpCard community
Get UpFinance news, card tips and offers first. Follow us on your favourite app.
Ready for one card for everything?
Open your UpFinance account in about five minutes, with an agent at your side whenever you need one.
No minimum deposit · Help in your language · We never ask for passwords