Withdraw USD directly from your Cash account to a linked US bank account. You can withdraw money to your own bank account or send it to someone else’s linked US bank account. Available in the United States only (except New York). Requires one-time identity verification.

Withdraw to your own bank account #

Withdraw USD directly from your Cash account to a linked US bank account.

1. On the Home tab, tap Cash.
2. Under Send Cash, tap Withdraw to Bank.

3. Select or add a bank account.

   Tip: To find a previously linked bank account, tap the search bar, clear the current selection, and browse by Recents, Banks, or Accounts.

4. Enter the amount.
5. Choose a speed: Standard or Fast.
6. Review and confirm.

Funds arrive as USD in your bank account, converted at a 1:1 rate. You receive an email confirmation once the transfer is complete on the Phantom side.

Withdraw to someone else’s bank account #

Send USD directly from your Cash account to another person’s linked US bank account.

1. On the Home tab, tap Cash.
2. Under Send Cash, tap Send to Wallet.

3. Select a bank from the Banks section, or add one by tapping the + button in the upper right, then tapping Add Bank Account and filling out the recipient’s routing and account number.

   Tip: To find a previously linked bank account, tap the search bar, clear the current selection, and browse by Recents, Banks, or Accounts.

4. Enter the amount.
5. Choose a speed: Standard or Fast.
6. Review and confirm.

Funds arrive as USD in the recipient’s bank account, converted at a 1:1 rate. You receive an email confirmation once the transfer is complete on the Phantom side.

Common issues #

Location mismatch #

Bank transfers require you to be physically located in your verified state. Make sure you're in the right location before trying again.

My bank transfer hasn't arrived #

ACH transfers and domestic wires typically arrive the same day or the next business day. If your deposit has not arrived after two business days, contact Phantom Support.