If you can’t access your Cash account, see a Recover your Cash account message, your Cash account isn’t showing after restoring your wallet, you switched devices, or your wallet or debit card was compromised, this article can help.

I see a “Recover your Cash account” message #

If Phantom shows a Recover your Cash account message when you open the Cash tab, it means the app can’t confirm that the wallet currently on your device has access to the credential needed to use your Cash account.

This can happen if you restored your wallet, switched devices, or deleted and recreated a wallet. This applies to wallets that were originally created with a Google or Apple account.

To recover access, follow the instructions shown in the app.

After importing the requested credential, return to Cash and try again. If you still can’t access, swap, or transfer from your Cash account, contact Phantom Support.

I can't see my Cash account after restoring my wallet #

Your Cash account is tied to the Phantom profile and credential used when the Cash account was created. If you sign in with the same Google or Apple account, or import the same recovery phrase, your Cash account should appear.

If it doesn’t appear, or if you see a Recover your Cash account message, you may be using different credentials than the ones used to create the account. Follow the recovery steps shown in the app, or contact Phantom Support if the issue continues.

I lost access to my device #

Sign in on another mobile device using the same credentials you used to set up your wallet.

• Wallets created with a Google or Apple account: Download Phantom, then sign in to the same account on the new device.
• Wallets created with a Secret Recovery Phrase: Import your phrase on the new device.

This should restore your Cash account on the new device. If Phantom asks you to recover your Cash account, follow the instructions shown in the app to import the credential tied to your Cash account. For step-by-step instructions, see Restore or import an existing wallet into Phantom.

I can't swap or transfer with my Cash account #

If you can see your Cash balance but can’t swap or transfer, Phantom may not be able to confirm that the wallet currently on your device has the credential needed to use your Cash account.

This can happen when the same wallet has been imported using different credentials or across multiple devices. Cash links your balance to the credential used when the account was created, and prioritizes credentials in this order when multiple are present:

1. Google or Apple account
2. Secret Recovery Phrase
3. Private key

If you see a Recover your Cash account message, follow the instructions shown in the app first. Phantom may ask you to import the same Google or Apple account, Secret Recovery Phrase, or private key originally tied to your Cash account.

If you don’t see a recovery prompt, try the following:

1. Make sure you’re using the same Phantom profile where your Cash balance is visible.
2. Import the credential originally used to create or access your Cash account. This may be your Google or Apple account, Secret Recovery Phrase, or private key.
3. After adding the credential, return to Cash and try swapping or transferring again.

If the issue persists, contact Phantom Support.

My recovery phrase was compromised #

If your recovery phrase was exposed, anyone who has it can access your entire Phantom wallet.

Contact Phantom Support as soon as possible, in parallel with all of the following steps:

1. Move your funds. Create a new Phantom wallet and transfer all assets from your Cash account and main Phantom wallet balance as quickly as possible. See Move funds to a new Phantom wallet when you need to start over.
2. Delete your Link account. If you completed identity verification (KYC), go to app.link.com/settings and delete your Link account. This severs the connection between your compromised wallet and your external financial accounts.
3. Contact your bank. If you completed identity verification (KYC), report any unauthorized charges directly to your bank. They can initiate disputes, freeze your account, or issue replacement cards if needed. Phantom Support cannot intervene with third-party financial providers on your behalf.
4. Delete or reset the compromised wallet. Once your funds are secure and your Link account has been closed:
   • Wallets created with a Google or Apple account: use the Delete Wallet flow in the app if available. If Delete Wallet is not available, go to Settings > Security & Privacy > Reset App to remove the wallet from this device.
   • Wallets created with a recovery phrase: go to Settings > Security & Privacy > Reset App to remove the wallet from this device.
5. Set up a new Cash account. After moving to your new wallet, you can set up Cash again. If you use offchain Cash features (US only, except NY) such as bank deposits, withdrawals, or the debit card, complete identity verification using a different email address than the one associated with your compromised account. If you see a Recover your Cash account message during setup, contact Phantom Support before depositing additional funds.

My Phantom debit card details were compromised #

If you see unfamiliar charges on your debit card but your wallet balances, swap history, and on-ramp history all look normal, your card details may have been compromised.

Take these steps immediately:

1. Freeze your card. On the Home tab, tap Cash, tap your card, then tap Freeze Card.
2. Contact Phantom Support. We'll arrange a card re-issuance for you.
3. Dispute any unauthorized charges directly with Galileo, our card processor. Call the number in the card details section in Apple Pay, Google Pay, or the Phantom app. Phantom Support cannot file disputes on your behalf.