Can Americans use Upbit?

No. Upbit trades only in Korean won, requires a Korean mobile number and a K Bank real-name account, and its affiliates in Singapore, Indonesia and Thailand also exclude U.S. residents. Anytime Capital serves customers worldwide, including in the United States, with card, ACH, wire, Cash App and cash.

What are Upbit's trading fees?

0.05% for makers and takers on the KRW market. In August 2026 Upbit also cut its BTC and USDT markets to 0.05% from 0.25%. Won deposits are free and won withdrawals carry a small flat fee.

Yes, twice. In 2019 it lost about 342,000 ETH, and on November 27, 2025 roughly 44.5 billion won of Solana-based assets left a hot wallet. Upbit covered the 2025 loss from company funds and halted deposits and withdrawals while it investigated.

Does Upbit have a phone number for U.S. customers?

No. Upbit's customer center operates in Korean for Korean residents. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

Why does Upbit need a K Bank account?

Korean law requires won-denominated exchanges to use real-name bank accounts from a single partner bank. Upbit's partner is K Bank, so every customer must hold a K Bank account in the same name as their Upbit identity before depositing won.

Can I switch from Upbit to Anytime Capital without moving my crypto?

Yes. Withdraw from Upbit to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

How does Anytime Capital pricing compare with Upbit?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Upbit prices no card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture, with a fixed per-coin network fee published on the withdrawal screen. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Head to head

Upbit

Our pick

Upbit vs Anytime Capital

Upbit is the exchange most of South Korea trades on: won-only, K Bank-linked, and closed to anyone without a Korean bank account. Anytime Capital is a U.S. money services business that serves customers worldwide, with card pricing from 4% with the spread included, a branch in Atlanta, a phone number, and nine ways to pay. Here is where each one actually fits.

Upbit: KRW only, no U.S. customers, K Bank real-name account required
Anytime Capital: cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Call (470) 748-2530 or walk into the Atlanta branch

Upbit vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 13.

Category	Upbit	Our pick
Card purchase fee	No card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.05% maker and taker on the KRW market, with BTC and USDT markets cut to 0.05% from 0.25% in a promotion that began August 29, 2026	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not available; U.S. dollars cannot be deposited at all	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Korean-language 1:1 inquiries in the app and a Korean customer center; no English or U.S. phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Upbit does not serve U.S. customers. It is a Korean-won exchange that requires a Korean real-name bank account, and its separately run Singapore, Indonesia and Thailand affiliates also exclude U.S. residents.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Korean mobile phone verification, a government ID, and a real-name K Bank account in the same name; foreign nationals need an Alien Registration Card and most cannot open the K Bank account at all.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Deep KRW order books but no service outside Korea; no U.S. OTC desk	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Registered as a virtual asset service provider with South Korea's Financial Intelligence Unit under the Special Financial Transactions Act, with a real-name account partnership with K Bank; sanctioned by the FIU in 2025 for KYC and travel-rule failures.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Upbit: No card, Apple Pay or Google Pay purchases at all; the only way in is a Korean-won transfer from a linked K Bank account, so a card never enters the picture
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Upbit: 0.05% maker and taker on the KRW market, with BTC and USDT markets cut to 0.05% from 0.25% in a promotion that began August 29, 2026
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash