Cash withdrawals to a US bank account can take from the same business day to several business days, depending on the speed you choose, when you submit the withdrawal, and whether banks are processing that day.

This article explains what to expect and when to contact your bank or Phantom Support. For step-by-step instructions, see Send funds from your Cash account.

Expected timing #

Withdrawal timing depends on the speed you choose:

• Fast: Same business day
• Standard: Next business day

These are target timeframes, not guarantees. Bank processing can add delays.

What affects timing #

Withdrawal timing can be affected by the following:

• When you submit the withdrawal
• Weekends and US federal holidays
• Your bank’s processing and funds availability policy

If you submit a withdrawal later in the day, processing may begin on the next business day.

If you submit a withdrawal on a weekend or US federal holiday, processing begins on the next business day.

Examples #

Examples include the following:

• Friday evening: If you submit a withdrawal on Friday evening, processing may not begin until Monday.
• Weekend: If you submit a withdrawal on Saturday or Sunday, processing begins on the next business day.
• Business day: If you submit a withdrawal earlier on a business day, it is more likely to begin processing that day.
• Federal holiday: If you submit a withdrawal on a US federal holiday, processing begins on the next business day.

What Completed means #

If Phantom shows your withdrawal as Completed in Cash > History, the transfer has been sent. Your bank may still need additional time to post the funds to your account.

After a withdrawal shows as Completed, your bank can still take 1 to 3 business days to make the funds visible.

Check with your bank first #

If you do not see the funds yet, check the following:

1. Refresh your bank app or check your account online.
2. Look for a pending or incoming ACH entry.
3. If there is no pending entry, contact your bank directly.

When to contact Phantom Support #

Most missing withdrawals are still within the normal processing window once bank-side delays, weekends, and holidays are taken into account.

Contact Phantom Support only after the following time has passed:

• Fast: 3 full business days
• Standard: 5 full business days

If you contact support, have the following ready:

• Date and time you submitted the withdrawal
• Amount
• Speed selected
• Whether the History entry shows as Completed