Topper Is Now Available in the UK: Buy & Sell Crypto

Topper has officially reopened access in the United Kingdom. UK users can now access full on- and off-ramp functionality.

‍Buy and Sell 200+ Digital Assets

Topper offers access to over 200 digital assets, including Bitcoin, altcoins, memecoins, and new listings updated regularly. Whether looking for well-established cryptocurrencies or researching new ones, there’s a wide range to choose from.

Check out our digital assets page.

UK users can buy and sell crypto using several payment options, including debit cards, credit cards, Apple Pay, Google Pay, and SEPA (European local bank transfers).

‍Steps to Start Transacting on Topper

UK users must complete a few steps before they can buy or sell crypto through Topper.

Here’s what to expect:

• Complete Two Mandatory AssessmentsTo ensure you understand the risks involved with crypto, the FCA requires UK users to pass the following assessments:
  • Appropriateness Assessment - A short quiz to confirm your understanding of crypto-related risks.
  • Self-Categorisation Statement - Identifies your investor type, based on your financial situation.
    • As part of the Self-Categorisation Statement, you must fall into one of two investor categories:
      • Restricted Investor - You’ve invested, and will invest, less than 10% of your net assets in high-risk investments.
      • High Net Worth Investor - You earn £100,000+ annually or hold £250,000+ in net assets.
    • If you don’t fall into one of these two categories, you will not be able to use Toper in the UK due to FCA rules.
  • Note: If you do not pass these, Topper is not legally allowed to provide access to crypto services in the UK.
    

Cooling-Off Period ‍

All new UK users will undergo a 24-hour cooling-off period after completing the assessments. You won’t be able to buy or sell crypto during this time.

Retake Options

If you fail an assessment:

• You may retake it immediately.
• If you fail twice, you must wait 24 hours before trying again.

How Often Do You Need to Complete These?

• Appropriateness Assessment - One-time.
• Self-Categorisation Statement - Must be completed every 12 months.  

Do These Rules Apply to Everyone?

No, these FCA-mandated requirements only apply to UK users. Users outside the UK can continue using Topper without completing these assessments.

Continuing Our Journey in the UK

Topper’s return to the UK marks a step forward in supporting digital asset access that aligns with national standards. With broad asset availability and multiple payment options, the platform is now fully equipped for compliant use in the UK.

We appreciate the patience of our UK community and look forward to supporting your crypto activity once again. Get started with Topper.

‍Don’t invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 minutes to learn more.

NOT FINANCIAL ADVICE
Please note that Uphold and its affiliates do not provide investment, tax, or legal advice. This message is for informational purposes only and takes no account of particular personal or market circumstances, and should not be relied upon as investment, tax, or legal advice. For investment, tax, or legal advice and before taking any action you should consult your own advisors. Note that digital assets such as cryptocurrencies present unique risks for investors. Please see our disclaimer regarding risks specific to holding digital assets before investing.

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