Spend Cash with the virtual Phantom debit card (US)
The virtual Phantom debit card is a prepaid Visa card that lets you spend your Cash account balance online, in apps, and in stores wherever Visa is accepted. You can also add it to Apple Wallet or Google Wallet.
When you make a payment, Stripe (our partner) draws CASH from your Cash account, converts it to USD, and the merchant is paid like a standard Visa transaction.
The card is available in the US only, except New York. Requires one-time identity verification.
Activate your virtual card #
Once your identity is verified, activate your virtual card to start spending.
- On the Home tab, tap Cash.
- Tap Your card is ready or tap the card symbol in the upper right.
- Confirm your information.
- Review your card details and accept the terms.
If you dismissed the activation screen, return to Cash within 24 hours of approval to finish setup. If the prompt no longer appears, see I can't activate my Phantom debit card.
Add your virtual card to Apple Wallet or Google Wallet #
For Apple Wallet, follow these steps:
- On the Home tab, tap Cash.
- Tap the card symbol in the upper right.
- Tap Add to Apple Pay or Add to Apple Wallet.
On Android, Phantom shows View card details rather than an Add to Google Wallet button. To add your card manually in Google Wallet, follow these steps:
- On the Home tab, tap Cash.
- Tap the card symbol in the upper right.
- Tap View card details.
- Copy your card number and note its expiration date and security code.
- Open Google Wallet.
- Add your card using those details.
Pay with your virtual card #
Make sure your Cash account is funded before making a payment. You can pay in the following ways:
- Online or in-app: Select Visa at checkout and enter your card details, or use Apple Pay or Google Pay.
- In-store: Tap to pay using Apple Pay or Google Pay at contactless terminals.
- Manual entry: Enter your card number, expiration date, and CVV when prompted.
Manage your virtual card #
Set a PIN #
The Phantom debit card has no PIN set by default. You must set a PIN to use it at merchants who require a PIN for transactions. If your card has been replaced, your previous PIN does not carry over; set a PIN for your replacement card if you use one.
- On the Home tab, tap Cash.
- Tap the card symbol in the upper right.
- Tap Set PIN.
- Follow the prompts to enter and confirm your PIN.
To change a PIN that you set earlier, tap the card symbol, then tap Change PIN and confirm.
Lock your card #
If your card is lost or compromised, you can lock it.
- On the Home tab, tap Cash.
- Tap the card symbol in the upper right.
- Tap Lock Card.
- Confirm.
To unlock your card later, tap Unlock Card.
Dispute a transaction #
You must submit a dispute within 60 days of becoming aware of the transaction. After that window, you may not be able to recover the disputed funds.
Stripe-issued cards #
If you've been issued a replacement card or if you activated your Phantom debit card after October 5, 2026, call +1 855 935 3124 to submit a dispute.
Bridge-issued cards #
To formally dispute a transaction, call the number in the card details section.
- Open Apple Wallet or Google Wallet.
- Tap your Phantom debit card.
- Go to Card Details.
- Tap the phone icon to get the Galileo dispute line.
Once a dispute is submitted, Galileo will correspond with you directly for any written communication related to the disputed transaction.
Limits #
Daily transaction limits #
The standard daily transaction limit is $2,000. Once your Cash account is at least 30 days old and has 30 days of transaction history, your eligibility for a limit increase of up to $5,000 per day will be assessed automatically.
Phantom Support cannot increase or manually reset this limit.
Weekly money-transfer limits #
Money-transfer transactions, including funding Apple Cash with your virtual Phantom debit card, are limited to $500 USD per week.
Once you reach this limit, additional money-transfer transactions will be declined. This is expected and does not indicate an issue with your card or account.
The limit resets automatically each week. Once it resets, you can try the transaction again. Phantom Support cannot increase or manually reset this limit.
Authorization holds #
Some merchants (like gas stations or hotels) place temporary holds that may exceed your purchase amount. The unused portion is returned to your Cash account once the transaction settles.
Authorization holds typically resolve within 24 to 48 hours but can last up to 30 days. Some merchants, such as hotels, may hold for longer.
| Merchant type | Typical hold duration |
|---|---|
| Gas stations | Same day to 72 hours |
| Restaurants and bars | Within 24 hours |
| Spas, salons, and service businesses | 24 to 48 hours |
| Parking garages | 24 to 72 hours |
| Subscriptions and free trials | Within 24 hours |
| Airlines and travel agencies | 5 to 7 days |
| Online retailers | 1 to 7 days |
| Healthcare | 1 to 7 days |
| Rental cars | 3 to 10 business days after return |
| Hotels and lodging | 3 to 7 business days after checkout |
| Cruise lines | Up to 30 days |
Refunds #
If you're waiting for a refund on a purchase made with your virtual Phantom debit card, the funds may take up to 30 days to appear in your account, depending on the merchant and card network.
A planned card replacement does not affect pending refunds. Refunds for purchases made with your previous card will still return to your Cash account.
FAQ #
How do I get a Phantom debit card? #
After you complete identity verification (KYC), you'll be prompted to accept the card terms of use and activate your card. If you skip this step, the card won't be created. Return to the Cash section later to finish activation. If you don't see the prompt, you may need to reverify to get a card.
Why do I need to verify my identity for the debit card? #
The Phantom debit card is issued through a regulated card program partner and is subject to applicable financial and identity-verification requirements.
Is the Phantom debit card available in my country? #
The virtual Phantom debit card is available only in the United States (except New York). We don't have a timeline to share for other regions.
Is there a physical Phantom debit card? #
No. The Phantom debit card is virtual only. You can use it anywhere Visa is accepted by adding it to Apple Wallet or Google Wallet for contactless payments, or by entering your card details manually at checkout.
How does the Phantom debit card work? #
Your Phantom debit card is a stablecoin-linked Visa card that works anywhere Visa, Apple Pay, or Google Pay are accepted. When you pay, Stripe draws CASH from your Cash account balance and converts it to USD, so the merchant is paid like any standard Visa transaction. You can use your card online, in apps, and in-store wherever Visa is accepted.
Onchain, you'll see a transfer from your Cash account to the debit-card smart contract. Merchant names, items, and receipts aren't visible onchain.
How can I change the name on my Phantom debit card? #
Contact Phantom Support.
Can I view the statement for my Phantom debit card? #
On the Home tab, tap Cash, then look for the History section.
Does the Phantom debit card support cash back? #
No. Cash back functionality is not currently supported.
Troubleshooting #
I can't activate my Phantom debit card #
If more than 24 hours have passed since your identity was verified (KYC), the activation prompt may have expired. Contact Phantom Support.
I was asked for a PIN at checkout #
By default, your Phantom debit card has no PIN set. Most US merchants don't require a PIN for contactless or credit-style transactions, but some may still prompt for one.
If you're asked for a PIN and haven't set one, you can usually press Enter or skip to proceed. If the terminal requires a PIN, open the Cash section, tap your card, then tap Set PIN before retrying.
My Phantom debit card was declined #
| Cause | What to do |
|---|---|
| Merchant not supported | Some merchant categories aren't supported for regulatory and fraud prevention reasons, including gambling, crypto purchases, gift card reloads, cash advances, and ATM withdrawals. Try a supported merchant. If you think the decline was an error, contact Phantom Support. |
| Insufficient funds | Some merchants (restaurants, hotels) place temporary holds higher than your bill. Keep your balance at least 20% higher than your expected bill. Holds release automatically once the merchant finalizes the charge. |
| Money transfer limit reached | Peer-to-peer money transfer services such as Cash App, Apple Cash, and Venmo are supported up to $500 per week. If your transaction was declined, you may have reached this limit. Try again after your weekly limit resets, or use a different payment method. |
| Apple Cash transfer declined | You can use your Phantom debit card to fund Apple Cash, up to $500 per week. If your transaction was declined, you may have reached this limit. Try again after your weekly limit resets. |
| Spending limit reached | The default daily limit is $2,000, with an increase to $5,000 when conditions are met. |
| Network or processing issue | A temporary error occurred. Try again, or wait a few minutes and try another merchant. If the issue continues, contact Phantom Support. |
My Phantom debit card was declined but I was charged #
A temporary authorization hold may appear while the transaction settles. Holds reverse automatically within a few business days once the merchant finalizes or cancels the transaction. If the hold has not reversed within five business days, contact Phantom Support and we can help initiate the dispute process with Galileo.
The payment amount changed after checkout #
Some merchants place authorization holds that may change after checkout, for example after you add a tip. The final amount updates once the merchant settles the transaction. If it has not settled within five business days, contact Phantom Support.
I received a refund but it hasn't appeared in my Cash account #
Refunds are processed by the merchant through the card network and typically appear within a few business days. If the original transaction is still showing as pending, the merchant cannot issue a true refund yet. The hold will drop automatically once it expires.
If the merchant has confirmed the refund and more than 10 business days have passed, contact Phantom Support with your transaction details.