Add money to Phantom using a debit card, Apple Pay, Google Pay, a bank account, a bank transfer, or a supported third-party provider. Money you add is converted into CASH and deposited into your Cash account.
From your Cash account, you can swap into Solana tokens, open perps positions, trade predictions, or spend with your Phantom debit card (US only).
If you already have crypto in another wallet or on an exchange, you can send it directly to Phantom instead. See Receive crypto in Phantom.
The available funding options depend on your location:
- United States (except NY): Link (Stripe) is the default funding option in Phantom. You can also choose a supported third-party provider.
- Outside the United States (including NY): Funding is available through supported third-party providers.
On the browser extension, see Buy crypto in the Phantom browser extension.
Debit card, Apple Pay, Google Pay, or bank account (United States)
Add CASH via Link (Stripe) using a debit card, Apple Pay/Google Pay, or bank account.
- On the Home tab, tap Cash.
- Under Add Cash, tap Card, Apple Pay, Bank (or Card, Google Pay, Bank).
- Enter the amount and choose your payment method. (US checking accounts and debit cards have the highest success rates. Not all card networks are supported. See Supported cards for more information.)
- Review and confirm.
If you are funding Cash for the first time, you'll be asked to complete a one-time identity verification (KYC). For more details, see Verify your identity for Cash (United States).
Supported cards
Some cards and card networks are not supported. Check the following table for details. For the best results, we recommend using a Visa card.
| Card | Support |
|---|---|
| Visa | Supported. Tends to have the highest success rates. |
| Mastercard | Accepted, but your bank may decline the transaction. If declined, try a Visa card or another payment method. |
| American Express | Accepted, but transactions are more likely to be declined by your bank. If declined, try a Visa card or another payment method. |
| Discover | Not supported. Try a Visa, Mastercard, or American Express card instead. |
| Apple Cash Debit Card | Not supported. |
Funding limits
Deposits made through Card, Apple Pay, Bank (or Card, Google Pay, Bank) are processed as money orders, which carry a $500 limit on a rolling seven-day window. The reset is not a fixed weekly date. Instead, each deposit frees up that amount again exactly seven days after you made it.
For example, if you deposit $500 on a Monday, that $500 becomes available again the following Monday. If you deposit smaller amounts across several days, each amount frees up seven days after its own deposit date, so your available limit refills gradually rather than all at once.
Remove a linked payment method
- On the Home tab, tap Cash.
- Under Pay With, tap Debit Card or Bank Account.
- Select the payment method you want to remove.
- Tap the three dots next to it and select Remove card or Remove linked account.
Troubleshoot a Stripe deposit
My deposit is still pending
Deposits through Stripe typically complete within two to three minutes. If yours is still pending, it may still be processing. If your deposit has been pending for more than 48 hours, excluding weekends and bank holidays, contact Phantom Support.
My same-day deposit shows as next-day
A next-day date can appear because of normal processing timelines. Your funds are likely still on their way. If the funds don't arrive within 48 hours, excluding weekends and bank holidays, contact Phantom Support.
My payment method was declined
- Your card or bank may decline the payment because of insufficient funds, crypto-related transaction restrictions, or other blocks.
- Not all cards are supported when adding funds through Stripe. Try a different card or payment method. See Supported cards for more information.
- Deposits through Stripe are processed as money orders with a $500 limit over a rolling seven-day window. If you've reached it, your further deposits may be blocked until the limit resets. Use a bank transfer instead, or wait until more of your rolling limit opens up. See Funding limits for more information.
My bank is blocking the deposit
Some banks block crypto-related transactions regardless of the card used. If deposits keep failing across multiple cards, try a different bank account or use a bank transfer.
Location mismatch
Deposits with Stripe require you to be physically located in the US. If you're outside the US, use a third-party provider instead.
ACH transfer or domestic wire (United States)
Send an ACH transfer or a domestic wire to your Cash account for free, converted into CASH at a 1:1 rate. Both use the same account and routing numbers shown under Transfer From Bank in the app.
- On the Home tab, tap Cash.
- Under Add Cash, tap Transfer From Bank.
- Copy your virtual account's routing number and account number.
- Add your virtual account in your bank's app or website.
- Send the deposit.
Troubleshoot a bank transfer
Location mismatch
Bank transfers require you to be physically located in your verified state. Make sure you're in the right location before trying again.
My bank transfer hasn't arrived
ACH transfers and domestic wires typically arrive the same day or the next business day. If your deposit has not arrived after two business days, contact Phantom Support.
Third-party providers (worldwide)
Add money to Phantom through a supported third-party provider, such as MoonPay. The provider processes your payment, then delivers USDC, which Phantom automatically converts into CASH in your Cash account. Providers available to you depend on your region.
In the US, Stripe is the default provider. To switch to a different provider, tap the chevron next to Delivery on the review screen. Outside the US, third-party providers are the primary option.
- Tap the + button in the lower right, then tap Add Cash. You can also go to the Home tab, tap Cash, then tap Card, Apple Pay, Bank.
- Enter the amount of CASH to purchase.
- Tap Review.
- To use a different provider or payment method, tap the chevron next to Delivery or Payment, respectively.
- Tap Confirm and complete your purchase on the provider's site.
The first time, you may see a screen explaining that your purchase is converted to USDC and automatically deposited as CASH. Tap Continue to proceed. You may also need to verify your identity (KYC) with the provider.
Which providers are available?
Phantom uses Meld, a payment infrastructure platform, to connect you with providers available in your region. During checkout, you may be redirected to meldcrypto.com or meldphantom.com. This is expected and safe.
For a full list of providers, their regional availability, and support contacts, see Onramp providers in Phantom.
Troubleshoot a provider purchase
What Phantom can and cannot help with
Because purchases are handled by a third-party provider, Phantom cannot speed up or cancel purchases, issue refunds, access your provider account, or resolve identity verification (KYC) issues. For any of these, contact the provider directly. See Onramp providers in Phantom for support links.
No providers are showing up
In some regions, no providers are available yet. You can still fund Phantom by buying crypto on an exchange, then sending it to Phantom, or receiving crypto from another wallet. See Receive crypto in Phantom for more information.
Payment method keeps being declined
Your bank or card issuer may block crypto purchases. Try a different payment method or select a different provider from the review screen. If the decline comes from the provider's side, contact their support team directly. See Onramp providers in Phantom for support links.
Identity verification not working
Providers handle their own identity verification independently. If verification is failing, contact the provider directly. Phantom cannot access or assist with provider-side KYC issues. See Onramp providers in Phantom for support links.
Account is blocked
If a provider blocks your account, the restriction comes from their compliance team. Phantom cannot see why you were blocked or unblock your account. Contact the provider's support team directly. See Onramp providers in Phantom for support links.
Funds haven't arrived
First, identify which provider handled your purchase by checking your email receipt or your card or bank statement. The provider's name, not Phantom's, will appear on the charge. Then:
- Check your inbox for a receipt or order confirmation from the provider.
- Look up the transaction status on the provider's website or app.
- Contact the provider if the delay exceeds the timeframe shown in your receipt.
See Onramp providers in Phantom for support links.
Unexpected fees or limits
Purchase limits, fees, and exchange rates are set by each provider and vary. To compare, go back and select a different provider from the review screen. See Onramp providers in Phantom for a full list of available providers in your region.
FAQ
Where did the Buy flow go?
The Buy flow has been replaced by Add Cash. When you add cash, your purchase is converted to USDC and automatically deposited as CASH in your Cash account. From there, you can swap into any token on Solana, open perps positions, or trade predictions.
Which providers are available in my region?
See Onramp providers in Phantom for a full list of providers and their availability.
How do I know which provider handled my purchase?
The provider's name is shown during checkout and in the email receipt they send after the transaction. You can also check your card or bank statement, where the charge shows the provider's name, not Phantom's. Once you've identified the provider, see Onramp providers in Phantom for their support contact details.
Why is Phantom redirecting me to Meld?
Meld is a payment infrastructure platform that providers use to process purchases. If you're redirected to meldcrypto.com or meldphantom.com during checkout, it means the provider you selected routes its checkout flow through Meld. This is expected and safe.
If you have questions about the purchase, contact the provider you selected at the start of checkout. See Onramp providers in Phantom for support links.
Do I need to verify my identity to deposit?
For Stripe deposits (US only, except NY), identity verification through Link is required. See Verify your identity for Cash (United States). Third-party providers handle their own verification independently.