This article covers ACH transfers and domestic wires sent from your US bank account to your Cash virtual account, provided through Bridge. These transfers use the routing and account numbers shown under Cash > Bank Transfer > Deposit Details.

For deposits made via Stripe using a linked bank account through Buy Instantly, see Troubleshoot Stripe deposits into Cash (US/EU).

My bank transfer hasn’t arrived #

ACH transfers and domestic wires typically arrive the same or next business day, but can take up to 5 business days.

Timing depends on when your bank submits the transfer and how quickly it’s processed. Transfers sent late in the day, on weekends, or on US federal holidays may take longer.

Check the transfer status in your bank’s app or website. For more details, see How long will my Cash deposit take?

If your transfer hasn’t arrived after the expected processing window, contact Phantom Support with:

• Deposit amount and date
• Sending bank
• Confirmation or trace number from your bank

Phantom can’t expedite deposits.

I see a location mismatch #

Bank transfers require you to be physically located in the state you used for identity verification.

If you’re in your verified state and still see the error, contact Phantom Support.

I can’t complete identity verification #

Bank transfers require identity verification and are available in the US, except New York.

See Verify your identity for Cash (US only).