If a deposit hasn’t arrived in your Cash account, check the expected processing time for your payment method. In this article, you can also find help for declined payments, deposit limits, and pending bank charges.

My deposit is still pending #

Open Cash > History and select your deposit to check its status and provider. Processing time depends on how you funded the deposit.

Check the payment method and provider in the following table for the expected processing time.

Linked bank account deposits through Stripe and transfers to Cash’s routing and account numbers are available in the US only. Weekends and US federal holidays don’t count as business days for US bank transfers. Timing also depends on when your bank submits the transfer.

Standard ACH is the default funding method for linked bank accounts through Stripe. Domestic wires sent to Cash’s routing and account numbers are processed through ACH by Bridge, so the same processing window applies.

The Stripe card and digital wallet estimates describe when most deposits arrive. Some deposits may take longer.

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

If checkout opens through Meld or MoonPay, check your receipt for the provider that processed your purchase. For other payment methods offered by third-party providers, timing also varies by provider. See Third-party onramp providers in Phantom for support contacts.

My bank transfer hasn’t arrived #

For ACH transfers or domestic wires sent to the routing and account numbers in your Cash account, check the transfer status in your bank’s app or website.

If the transfer hasn’t arrived after 5 business days, contact Phantom Support with the following details:

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

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. If you don't have any other payment methods, you can also fund your Cash account by sending USDC, USDT, or PYUSD on Solana to your Cash address. Phantom automatically swaps these stablecoins into CASH once the transfer is confirmed. See Fund by sending stablecoins to your Cash address for steps.

My deposit limit is zero #

If Stripe shows “You’ve reached your limit!” or an available limit of $0/€0, check the deposit limit shown in Phantom. Limits can vary based on your payment method, verification level, account history, 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 purchase failed but my bank shows a pending charge #

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 may have been authorized without being captured. The authorization should drop off your statement within 3 to 5 business days.

For help with a failed Stripe purchase or a pending authorization, contact Link Support.

If your purchase was processed by another provider, contact that provider to check the payment status and when the pending charge should be released.

My crypto transfer to Cash didn't appear #

Your Cash address accepts deposits only in USDC, USDT, and PYUSD on Solana. If you sent any other token, it won't appear in your Cash balance but you may be able to recover it. See Recover crypto sent to your Cash account for details.

Get help with a deposit #

• Stripe deposits: Contact Link Support if your deposit takes longer than the expected timing in My deposit is still pending.
• Transfers to the routing and account numbers: Contact Phantom Support with the details listed in My bank transfer hasn’t arrived.
• Other providers: Contact the provider using the support link in your receipt or the provider directory.