Add Cash with debit card, Apple Pay, Google Pay, or bank transfer
Add Cash with debit card, Apple Pay, Google Pay, or bank transfer.
Depending on the provider, you’ll either buy CASH directly and have it delivered to your Cash account, or buy USDC, which Phantom automatically converts into CASH once the transaction is confirmed.
To add Cash through Stripe, you’ll need to verify your identity. See Verify your identity for Cash (US) or Verify your identity for Cash (EU). Bank transfers are available to verified US users, except New York.
Debit card, Apple Pay, Google Pay, or linked bank account #
If you're in the US (except New York) or EU, you can add Cash through Stripe directly within Phantom. In other regions, you can add Cash through Meld or providers such as MoonPay.
- On the Home tab, tap Deposit > Add Cash. If you don't see the Deposit button, then tap + in the lower right, and then tap Add Cash.
- Enter the amount and tap Review.
- Review your payment method, provider, and fees. You can change your provider under Delivery.
- Tap Confirm and complete your purchase.
If you already have a Cash balance, you can also tap Cash on the Home tab, and then tap Deposit.
Deposits through Meld or providers such as MoonPay may have provider minimums. If your deposit fails, check the minimum shown at checkout and try a higher amount.
Supported cards for Stripe #
When funding through Stripe, some cards and card networks aren't 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. |
| American Express | Accepted, but transactions are more likely to be declined by your bank. |
| Discover | Not supported. |
| Apple Cash Debit Card (US) | Not supported. |
For help with a deposit, see Troubleshoot deposits into your Cash account.
Stripe funding limits #
When funding through Stripe, your deposits have a limit. This limit varies 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 can't manually increase your deposit limit.
Remove a saved payment method used with Stripe #
You can remove a saved payment method from the Stripe payment dialog.
- On the Home tab, tap Cash, then tap Deposit at the bottom.
- Tap the payment method dropdown and choose a card.
- Enter an amount, then tap Review.
- Tap Confirm to open the Stripe payment dialog.
- Find the saved payment method you want to remove and tap the three-dot icon next to it.
- Tap Remove card.
Bank transfer #
If you're in the US (except New York), add Cash by sending an ACH transfer or domestic wire from a US bank account to the account and routing numbers in your Cash account.
- On the Home tab, tap Cash, then tap the bank icon in the upper right.
- Under Deposit Details, copy your routing number and account number.
- Open your bank’s app or website and use those details to complete your transfer.
Domestic wires have a $1 million limit per transaction.
For help with a deposit, see Troubleshoot deposits into your Cash account.
FAQ #
Why does Phantom say I’m buying USDC? #
Some providers support direct CASH purchases. Others deliver USDC, which Phantom automatically converts into CASH in your Cash account once the transaction is confirmed.
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 tokens directly with Apple Pay or Google Pay? #
Yes. On the Home tab, tap Deposit > Buy Crypto to see eligible Solana tokens that you can buy directly with Apple Pay or Google Pay without funding your Cash account first. See Buy tokens instantly with Apple Pay or Google Pay.
For tokens that aren’t available through Buy Crypto, you can fund your Cash account and use Cash to buy supported tokens.
Can I buy Bitcoin with my Cash balance? #
Direct swaps from Cash into native Bitcoin 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 Troubleshoot deposits into your Cash account.
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.