Connect to local banking rails across the UK, EU, and US.Documentation Index
Fetch the complete documentation index at: https://developer.uphold.com/llms.txt
Use this file to discover all available pages before exploring further.
Available networks
Five banking rails are available across the UK, EU, and US. Settlement speed and features vary by network. All networks support Individual accounts; availability for Business accounts depends on the specific rail and your contract.Coverage
| Network | Region | Currency | Settlement |
|---|---|---|---|
| FPS | UK / EU | GBP | Near-instant (24/7) |
| SEPA | UK / EU | EUR | Near-instant or 1 business day |
| ACH | US | USD | 1–3 business days |
| FedNow / RTP | US | USD | Near-instant (24/7) |
| Wire | US | USD | Same or next day |
Supported features
| Network | Deposit | Withdrawal |
|---|---|---|
| FPS | Supported | Supported |
| SEPA | Supported | Supported |
| ACH | Supported | Supported |
| FedNow / RTP | Supported | Supported |
| Wire | Supported | Not supported |
Key concepts
- Push deposits are external transactions — only push deposits are supported. The sender initiates the transfer from their bank, and the platform creates the transaction automatically when funds are detected. No quote is required.
- Withdrawals are quote-based — the user must confirm a quote before the transaction is created and the payout is submitted.
- Origin linking — for FPS and SEPA, the origin bank account is automatically linked as an external account after the first deposit. For ACH, users must explicitly add one.
Network specifics
| Network | ToS required | Deposit target | Notes |
|---|---|---|---|
| FPS | unique-account-number-viban | Any account | — |
| SEPA | unique-account-number-viban | Any account | — |
| ACH | None | Default USD account | Shares routing details with FedNow / RTP and Wire |
| FedNow / RTP | None | Default USD account | Not all banks supported; shares routing details with ACH and Wire; withdrawal incurs an additional fee |
| Wire | None | Default USD account | Shares routing details with ACH and FedNow / RTP |
Testing in sandbox
Use the Simulate bank deposit test helper to simulate an incoming deposit in sandbox for FPS and SEPA. Call it with the deposit method details and specify the network ("fps" or "sepa"), and the platform will create a completed transaction as if the user had sent the transfer from their bank.
Sandbox deposit simulation for USD rails (ACH, FedNow / RTP, Wire) is not yet available. This feature is coming soon.
Start building
Deposit via API
Set up deposit instructions and handle incoming funds programmatically.
Deposit via Widget
Let users deposit funds with a low-code, embeddable widget.
Withdrawal via API
Create quotes and submit payouts to your users’ bank accounts.
Withdrawal via Widget
Let users withdraw funds with a low-code, embeddable widget.