Buy crypto with Apple Pay, Google Pay, debit card, or bank
Buy crypto in the Phantom mobile app by first funding your Cash account with Apple Pay, Google Pay, a debit card, or other payment methods. Then use your Cash balance to trade tokens, perps, predictions, and tokenized stocks.
You can also fund your Cash account by receiving supported stablecoins from another wallet or exchange, or converting crypto you already have in Phantom.
Buy Instantly #
Buy Cash with Apple Pay, Google Pay, a debit card, a linked bank account, or a bank transfer, depending on your region.
- Tap the + button in the lower right, then tap Add Cash.
- Enter the amount and tap Review.
- Review your payment method, provider, and fees. You can change your provider under Delivery.
- Tap Confirm and complete your purchase.
You can also start from the Home tab:
- Empty wallet: Tap Add Funds > Add Cash.
- Wallet with a balance: Tap Cash > Buy Instantly.
| Region | Default provider | Payment methods |
|---|---|---|
| US, except New York | Stripe, within Phantom | Debit card, Apple Pay, Google Pay, or a linked US bank account |
| EU | Stripe, within Phantom | Debit card, Apple Pay, or Google Pay |
| Outside the US/EU | Available third-party providers | Varies by provider and region |
Your first Stripe deposit requires identity verification through Link. See Verify your identity for Cash (US only) or Verify your identity for Cash (EU only).
If you're in the US/EU, you can also choose a third-party provider, such as MoonPay. If you choose a third-party provider, you’ll complete your purchase on its site.
Supported cards for Stripe #
Some cards and card networks are not supported. Visa cards tend to work best.
| Card | Support |
|---|---|
| Visa | Supported. Tends to have the highest success rates. |
| Mastercard | Accepted, but your bank may decline the transaction. |
| American Express | Accepted, but transactions are more likely to be declined by your bank. |
| Discover | Not supported. |
| Apple Cash Debit Card (US only) | Not supported. |
For help with a payment, see Troubleshoot Stripe deposits into Cash (US/EU). For purchases through another provider, see Third-party onramp providers in Phantom.
Remove a linked payment method used with Stripe #
You can remove a saved payment method from the Stripe payment dialog.
- On the Home tab, tap Cash, then Buy Instantly.
- Tap the payment method dropdown and choose a card.
- Enter an amount, then tap Review.
- Tap Confirm to open the Stripe payment dialog.
- Find the saved payment method you want to remove and tap the three-dot menu next to it.
- Tap Remove card.
Bank Transfer (US only) #
Send an ACH transfer or domestic wire from your US bank account to your Cash virtual account, provided through Bridge. This option is available in the US, except New York.
- On the Home tab, tap Cash, then Bank Transfer.
- Under Deposit Details, copy your routing number and account number.
- Open your bank’s app or website and use those details to complete your transfer.
Your first bank transfer into Cash requires identity verification through Link. See Verify your identity for Cash (US only).
Domestic wires have a $1 million limit per transaction.
For help, see Troubleshoot bank transfers into Cash (US only).
Receive Stablecoins #
Deposit USDC, USDT, or PYUSD on Solana directly to your Cash address. After confirmation, the tokens convert to CASH in your Cash account.
Warning: Your Cash address only supports deposits in USDC, USDT, and PYUSD on Solana. Do not send other tokens.
- Tap the + button in the lower right, then tap Receive, and then select the Cash tab.
- Tap Copy Address.
- In the sending wallet or exchange, paste the address or scan the QR code, select Solana, and send USDC, USDT, or PYUSD.
You can also start from the Home tab:
- Empty wallet: Tap Add Funds > Transfer Crypto, then select the Cash tab.
- Wallet with a balance: Tap Cash > Receive Stablecoins.
If you sent an unsupported token, such as SOL, see Recover tokens stuck in your Cash account.
Sell Crypto #
Convert one or more eligible Solana tokens in your wallet into Cash.
- On the Home tab, tap Cash, then Sell Crypto.
- Choose the tokens and amounts to sell. Tap Max to sell your full balance.
- Review and confirm.
Phantom shows eligible tokens in your active account. The minimum amount is $1.
FAQ #
Why does Phantom say I’m buying USDC? #
Some providers deliver CASH directly, including Stripe in the US. Where direct CASH purchases aren’t available, the provider delivers USDC to your Cash address, and Phantom automatically converts it into CASH.
The Fund your account message explains this. Tap Continue to proceed. You may see the message again if you reset the app and sign back in.
Can I buy crypto for USD/EUR directly? #
Buying crypto such as SOL, ETH, or BTC directly with USD/EUR or other currencies is not supported. Instead, fund your Cash account first, then swap CASH into supported tokens in Phantom.
Can I buy BTC with my Cash balance? #
Direct swaps from Cash into native BTC are currently not supported.
What are the funding limits for Stripe deposits? #
Stripe deposit limits vary based on your payment method, verification level, account history, location, and Stripe’s risk assessment. Check the limit shown in Phantom when you make a deposit.
Some limits use a rolling 7-day window. Each deposit counts toward your limit for 7 days, then that amount becomes available again.
Stripe and Phantom Support can’t manually increase your deposit limit.
How long will my deposit take? #
Timing depends on your payment method and provider. See How long will my Cash deposit take?.
Which providers are available? #
For providers, regional availability, and support contacts, see Third-party onramp providers in Phantom.
How do I know which provider handled my purchase? #
The provider’s name appears during checkout and in your receipt. You can also check your card or bank statement, or open the deposit in Cash > History.
Why is Phantom redirecting me to Meld? #
Meld is a payment platform used by some providers to process your crypto purchases. A redirect to Meld during checkout can be expected.
If you need help with the transaction, contact the provider you selected at checkout.