Cash fees
Fees can apply when you send, swap, fund, or withdraw from your Cash account. If a fee applies, you'll always see it in Phantom before you confirm.
Onchain actions #
| Action | Fee |
|---|---|
| Transfer to a Phantom username | Transferring to a wallet that has never held CASH before: one-time setup fee. Subsequent transfers to this wallet: free. |
| Transfer to a Solana wallet address | Transferring to a wallet that has never held CASH before: one-time setup fee. Subsequent transfers to this wallet: free. |
| One-time setup fee | |
| Swap stablecoins on Solana (USDC, USDT, USDG, PYUSD) into Cash account | Free |
| Swap from Cash account into USDC | Free |
| Swap from Cash account into other stablecoins on Solana (USDC, USDT, USDG, PYUSD) | 0.85% |
| Swap other tokens into Cash account | 0.85% |
| Swap out of Cash account into other tokens | 0.85% |
| Withdraw from Cash account to an account in the main Phantom wallet (as CASH) | Free |
Solana requires a one-time setup fee for wallets receiving CASH for the first time. This is a network requirement, not a Phantom fee. The fee varies with SOL price. If the receiving account was fully emptied of CASH, then when you send CASH to it again, the setup fee will be charged again.
Onramps and offramps #
| Action | Fee |
|---|---|
| Add cash by debit card, incl. Apple Pay (Stripe, US + EU) | 1.75% |
| Add cash by credit card, incl. Apple Pay (Stripe, US + EU) | 3.50%. Some card partners such as Robinhood may charge additional fees. |
| Direct deposit (ACH) into your Cash account (US only) | 0.30%. Your bank or payroll provider may charge additional fees. |
| Domestic wire into your Cash account (US only) | 1.00%. Your bank or payroll provider may charge additional fees. |
| Standard ACH withdrawal (US only) | Free |
| Fast ACH withdrawal (US only) | $1.00 flat + 0.75% (min $1.50) |
Phantom debit card (US only) #
| Action | Fee |
|---|---|
| Virtual card issuance | Free |
| Domestic purchases in the US | Free |
| International purchases (online or in-store) | Fees may apply, displayed before you confirm |