Luno
FCA
Uphold
FCA/FinCEN
Luno vs Uphold
Head-to-Head Comparison 2026
Our Verdict
Uphold offers 5 instrument types, while Luno offers 4. Luno has been in the market since 2013, making it the more experienced provider.
Comparison Table
| Criteria | Luno | Uphold |
|---|---|---|
| Rating | 3.8/5 (700 reviews) | 3.8/5 (1200 reviews) |
| Regulation | FCA | FCA/FinCEN |
| Fees | 0% Maker / 0.10% Taker (Exchange), Instant Buy 0.75% | Spread-based (typically 0.8–1.2% crypto), no commission |
| Min. Deposit | 0 € | 0 $ |
| Instruments | Bitcoin, Ethereum, Altcoins, Savings Wallet | Bitcoin, Ethereum, Altcoins, Edelmetalle, Fiat-Währungen |
| Platforms | Luno Web, Luno App | Uphold Web, Uphold App |
| Options Trading | No | No |
| Founded | 2013 | 2015 |
| Headquarters | London | USA/UK |
Detailed Comparison
Fee Comparison
Luno: 0% Maker / 0.10% Taker (Exchange), Instant Buy 0.75%. Minimum deposit: 0 €.
Uphold: Spread-based (typically 0.8–1.2% crypto), no commission. Minimum deposit: 0 $.
Product Range
Luno (4 categories)
Uphold (5 categories)
Trading Platforms
Luno
- Luno Web
- Luno App
Uphold
- Uphold Web
- Uphold App
Regulation & Security
Luno is regulated by FCA (HQ: London).
Uphold is regulated by FCA/FinCEN (HQ: USA/UK).
Who Is It For?
Luno
Beginner-friendly crypto exchange with focus on emerging markets
✓ Very user-friendly and ideal for beginners
✓ FCA-regulated and part of Digital Currency Group
✓ Savings wallet for interest earnings on crypto
✗ Limited coin selection (under 30 coins)
✗ Instant buy fees relatively high (0.75%)
Uphold
Multi-asset platform for crypto, precious metals and fiat currencies
✓ Multi-asset trading: crypto, metals and fiat in one app
✓ FCA and FinCEN-regulated
✓ Direct conversion between any assets
✗ Spreads higher than on pure crypto exchanges
✗ No advanced trading features
Frequently Asked Questions
Is Luno or Uphold cheaper?
Which broker offers more products: Luno or Uphold?
Which broker is better regulated?
Is Luno or Uphold better for beginners?
Luno vs Uphold: Which broker is better overall?
Luno
Beginner-friendly crypto exchange with focus on emerging markets
Open Account →From 0 € min. deposit
Uphold
Multi-asset platform for crypto, precious metals and fiat currencies
Open Account →From 0 $ min. deposit