To buy crypto in Phantom, first add money to your Cash account. You can use a debit card, Apple Pay, Google Pay, a bank account, or a bank transfer, depending on your region and the provider you use. Once your purchase is complete, you can use your Cash balance to swap into crypto.
Debit card, Apple Pay, Google Pay, or bank account (United States)
To buy crypto with a debit card, Apple Pay, Google Pay, or your bank account, first add money to your Cash 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. Visa cards tend to work best.
| 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 for Stripe deposits
Deposits made with Card, Apple Pay, Bank or Card, Google Pay, Bank are limited to $500 over 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
To remove a payment method, go to Cash and open your linked payment methods.
- 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
Deposit is still pending
Card and Apple Pay or Google Pay deposits through Stripe usually complete in under 10 minutes.
Linked bank account deposits take longer: they follow a 1pm ET cut-off (submit before 1pm ET on a business day for next-day processing, otherwise the clock starts the next business day), typically complete within about 3 business days, and can take up to 5, depending on the bank and processing timeline.
If a linked bank deposit still hasn't arrived after 5 business days, contact Link support.
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.
Bank is blocking the deposit
Some banks block crypto-related transactions. If Stripe deposits keep failing with a card or linked bank account, try a different payment method or use a bank transfer.
Location mismatch
Deposits with Stripe require you to be physically located in the US. If you're not in the country at the moment, use a different payment method or a different provider.
Direct deposit or domestic wire (United States)
To buy crypto using a direct deposit or domestic wire, first add money to your Cash account.
- On the Home tab, tap Cash.
- Under Add Cash, tap Transfer From Bank.
- Under Deposit Details, copy your virtual account's routing number and account number.
- Add your virtual account in your bank's app or website.
- Send the deposit.
Funding limits for wires
Domestic wires carry a $1M limit per transaction.
Troubleshoot a wire
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.
Bank transfer hasn't arrived
ACH transfers and domestic wires typically arrive the same day or the next business day (depending on the speed chosen), but can also take between 3 to 5 business days.
Debit card, Apple Pay, Google Pay, or bank account (worldwide)
To buy crypto, first add money to your Cash account through a supported third-party provider. Available payment methods depend on the provider and your region.
- 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 or Card, Google 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.
You purchase USDC, which is converted into CASH and deposited into your Cash account.
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 them, issue refunds, access your provider account, or resolve identity verification issues. Contact the provider directly for help.
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 was 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 them directly.
Identity verification isn't 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.
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 directly.
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 directly if the delay exceeds the timeframe shown in your receipt.
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 Third-party onramp providers in Phantom for a full list of available providers in your region.
FAQ
Can I buy SOL directly?
Yes. Where supported, you can buy directly from a token page in Phantom. On the token page, select More > Cash Buy. If not, add money to your Cash account first, then swap for SOL.
Which providers are available?
For a full list of providers, their regional availability, and support contacts, see Third-party onramp providers in Phantom.
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 know the provider, use Third-party onramp providers in Phantom for support contact details.
Why is Phantom redirecting me to Meld?
Meld is a payment infrastructure platform that some providers use to process purchases. If you are redirected to a Meld site during checkout, that is expected.
If you have questions about the purchase, contact the provider you selected at the start of checkout. See Third-party onramp providers in Phantom for support links.
Do I need to verify my identity to deposit?
For Stripe deposits in the United States, identity verification through Link is required. Third-party providers handle verification separately.