This article covers deposits made through Stripe within Phantom using a debit card, Apple Pay, Google Pay, or a linked bank account.

For transfers sent from your banking app to your Cash virtual account, see Troubleshoot bank transfers into Cash (US only).

My deposit is still pending #

If your deposit appears as "Pending" in Phantom, processing time depends on your payment method.
If your purchase didn’t complete and you see a pending charge in your bank account instead, see My purchase didn’t complete, but I see a pending charge (EU only).

Linked bank account deposits don’t process on weekends or US federal holidays.

Don’t submit another deposit while the first is pending, as both could complete.

For more details, see How long will my Cash deposit take?

If your deposit is taking longer than expected, contact Link support. Phantom cannot expedite deposits.

I see “You’ve reached your limit!” or my available limit is $0/€0 #

Check the deposit limit shown in Phantom. Limits are dynamic and can vary based on your payment method, verification level, account history, location, and Stripe’s risk assessment.

Some limits use a rolling 7-day window. Each deposit counts toward your limit for 7 days, then that amount becomes available again. There is no fixed weekly reset.

You can try a smaller amount or another supported payment method. Changing payment methods doesn’t guarantee a higher limit. A $0/€0 limit can also mean that your payment method isn’t currently available for additional deposits.

Stripe and Phantom Support can’t manually increase your deposit limit.

My payment method was declined #

Your bank or card issuer may block crypto-related transactions. Some cards and card networks are also unsupported.

Try another supported card or payment method. Visa debit cards tend to have the highest success rates. US checking accounts also tend to work well.

See the supported cards table in Add funds to your Cash account.

I can’t deposit from my current location #

Your location requirements depend on where you completed identity verification:

• Verified in the EU: You can receive Stripe deposit quotes even when you’re outside the EU. Receiving a quote doesn’t guarantee that your deposit will complete.
• Verified in the US: You must be in the US. Stripe funding isn’t available in New York.

If Stripe funding isn’t available to you, you can try a third-party provider available in your current region.

My deposit didn’t complete, but I see a pending charge (EU only) #

Some newly registered EU users may not yet be approved to buy crypto through Stripe. If you tried to make a purchase and see a pending charge on your account, the funds were authorized but never captured. The authorization should drop off your statement within 3 to 5 business days.

Need help? #

For deposits processed by Stripe, contact Link support.

To check which provider handled your deposit, open Cash > History and select the transaction. The provider should appear in the deposit details.

If you used a third-party provider such as MoonPay, contact that provider directly. See Third-party onramp providers in Phantom for support contacts.