How long will my Cash deposit take?
If you're depositing money into your Cash account, or you already submitted a deposit and it's still showing as Pending, your payment is still being processed by your bank or payment provider. In most cases, no action is needed yet.
Don't submit another deposit while the first one is pending. This can create duplicate deposits if both transactions complete.
What to expect depends on how your deposit was funded and which provider handled it.
Deposits made with card, Apple Pay, or Google Pay #
Deposits made with a debit card, Apple Pay, or Google Pay via Stripe can complete within 10 minutes.
If your deposit was submitted recently, it may still be within the normal processing window.
ACH transfers made from a linked bank account via Stripe #
Deposits made from a linked bank account via Stripe typically arrive within 3 business days, but can take up to 5 business days. Weekends and US federal holidays will delay processing.
Domestic wires #
Domestic wires sent using the account and routing numbers shown in Cash typically arrive the same business day or the next business day. Timing depends on when the sending bank submits the wire and how quickly the bank network processes it. Wires sent late in the day, on weekends, or on US federal holidays will take longer to appear.
Deposits made through a third-party provider such as MoonPay or Topper #
If your deposit was handled by a third-party provider such as MoonPay, Topper, Banxa, or another provider, the provider controls the transaction timeline. Phantom is not able to see or control the processing timeline.
Processing time depends on the provider, payment method, and your bank.
Get help with a deposit #
In general, Phantom cannot expedite deposits. If you’re not sure which provider you used, open the Cash > History section and open your deposit transaction. The provider should appear in the deposit details.
- For deposits processed by Stripe, contact Link support at support.link.com.
- For deposits sent using the account and routing numbers shown in Cash, contact Phantom Support with the deposit amount, date, sending bank, and any confirmation or trace number from your bank.
- For deposits processed by third-party providers such as MoonPay, Topper, Banxa, or another provider, contact the provider directly using the support link in your receipt from the provider or on this page: Third-party onramp providers in Phantom.