Add funds to your Cash account with Apple Pay, Google Pay, a debit card, or other available payment methods.

Depending on the provider, you’ll either buy CASH directly and have it delivered to your Cash account, or buy USDC that Phantom automatically swaps for CASH once the transaction is confirmed.

You can then use your Cash balance to buy and sell tokens, and trade perps and predictions.

Fund via Apple Pay, Google Pay, debit card, or bank #

Fund your Cash account with Stripe or another provider. Supported payment methods include Apple Pay, Google Pay, a debit card, or a linked bank account, depending on the provider.

1. Tap the + button in the lower right, then tap Add Cash.
2. Enter the amount and tap Review.
3. Review your payment method, provider, and fees. You can change your provider under Delivery.
4. Tap Confirm and complete your purchase.

You can also start from the Home tab:

• Empty wallet: Tap Add Funds > Add Cash.
• Wallet with a balance: Tap Cash > Deposit.

Stripe funding requires one-time identity verification. See Verify your identity for Cash (US only) or Verify your identity for Cash (EU only).

Supported cards for Stripe #

When funding with Stripe in the US/EU, some cards and card networks are not supported. Visa cards tend to work best.

For help with a deposit, see Troubleshoot deposits into your Cash account.

Funding limits for Stripe deposits #

Stripe deposit limits vary based on your payment method, verification level, account history, location, and Stripe’s risk assessment. Check the limit shown in Phantom when you make a deposit.

Some limits use a rolling 7-day window. Each deposit counts toward your limit for 7 days, then that amount becomes available again.

Stripe and Phantom Support cannot manually increase your deposit limit.

Remove a linked payment method used with Stripe #

You can remove a saved payment method from the Stripe payment dialog.

1. On the Home tab, tap Cash, then tap Deposit at the bottom.
2. Tap the payment method dropdown and choose a card.
3. Enter an amount, then tap Review.
4. Tap Confirm to open the Stripe payment dialog.
5. Find the saved payment method you want to remove and tap the three-dot icon next to it.
6. Tap Remove card.

Fund via a bank transfer (US only) #

Fund your Cash account using a bank transfer. Send an ACH transfer or domestic wire from a US bank account to the accounting and routing numbers in your Cash account. This option is available in the United States only, except New York.

1. On the Home tab, tap Cash, then tap the bank icon in the upper right.
2. Under Deposit Details, copy your routing number and account number.
3. Open your bank’s app or website and use those details to complete your transfer.

Bank transfer funding requires one-time identity verification. See Verify your identity for Cash (US only).

Domestic wires have a $1 million limit per transaction.

For help with a deposit, see Troubleshoot deposits into your Cash account.

Fund by sending stablecoins to your Cash address #

If you hold USDC, USDT, or PYUSD on Solana, you can send these tokens directly to your Cash address to fund your Cash balance. Do not send any other tokens to this address.

1. Tap the + button in the lower right, then tap Receive.
2. Tap the QR code icon to the right of Solana.
3. Tap the Cash tab.
4. Copy your Cash address or use the QR code.
5. In the exchange or wallet app you’re sending from, start a transfer and paste your Cash address or scan the QR code.
6. Select the Solana network and choose USDC, USDT, or PYUSD.
7. Enter the amount and confirm the transfer.

Once the transfer is confirmed, Phantom automatically swaps the tokens you sent for CASH in your Cash account.

If you sent an unsupported token on Solana to your Cash address, Phantom offers an option to recover it. See Recover crypto sent to your Cash account for details.

FAQ #

Why does Phantom say I’m buying USDC? #

Some providers, such as Stripe, deliver CASH directly to your Cash account. If your provider doesn’t support direct CASH purchases, you’ll buy USDC instead. Once the transaction is confirmed, Phantom automatically swaps the USDC for CASH in your Cash account.

Why is Phantom redirecting me to Meld? #

Meld is a payment platform used by some providers to process your crypto purchases. A redirect to Meld during checkout can be expected.

If you need help with the transaction, contact the provider you selected at checkout.

Can I buy SOL or ETH directly? #

Buying crypto such as SOL or ETH directly with USD/EUR or other currencies is not supported. Instead, fund your Cash account first, then buy SOL, ETH, or other crypto with your Cash account.

Can I buy BTC with my Cash balance? #

Direct swaps from Cash into native BTC are currently not supported. For details see, Buy SOL, ETH, BTC, and other native tokens in Phantom on mobile.

How long will my deposit take? #

Timing depends on your payment method and provider. See How long will my Cash deposit take?

How do I know which provider handled my purchase? #

The provider’s name appears during checkout and in your receipt. You can also check your card or bank statement, or open the deposit in Cash > History.