There are three ways to add money to your Phantom Cash account.
| Funding option | Speed | Requirements |
|---|---|---|
|
Swap tokens into Cash (Quick Sell Crypto) |
Instant | At least $1 of Solana tokens in your wallet |
| Bank, Card, or Apple Pay | Two to three minutes | US only (except NY), KYC |
| Direct Deposit | Same day or next business day | US only (except NY), KYC |
If a funding option is grayed out or shows "Coming Soon," see I can't fund my Cash account.
Swap tokens into Cash
Fund your Cash account by swapping Solana tokens in your wallet into CASH.
- Go to Cash → Add Cash.
- Tap Quick Sell Crypto.
- Choose a token and enter the amount (minimum $1).
- Confirm the transaction.
Note: Tokens on other chains such as Ethereum or Polygon can't be sold into Cash directly. Bridge them to Solana first.
Bank, Card, or Apple Pay
Fund your Cash account using a US bank account, debit card, or Apple Pay. You must be physically located in the US to use this option.
To fund with bank, card, or Apple Pay, follow these steps:
- Go to Cash → Add Cash.
- Tap Bank, Card, or Apple Pay.
- Enter the amount and choose your payment method.
- Review and confirm.
Funds usually arrive within two to three minutes. US checking accounts and debit cards have the highest success rates.
Direct Deposit
Deposit paychecks or transfers directly into your Cash account using your bank's ACH or wire transfer.
To set up direct deposit, follow these steps:
- Go to Cash → Add Cash.
- Tap Direct Deposit.
- Copy your routing number and account number.
- In your bank's app or website, set up a new ACH or wire transfer using these details.
- Send the deposit.
ACH transfers arrive the next business day. Domestic wire transfers arrive the same day during banking hours. You must be in your verified US state to use this option.
Funding limits
Deposits made with Bank, Card, or Apple Pay are subject to rolling limits.
Limits use a 7-day trailing window, not a daily reset. This means your available limit doesn’t automatically refresh 24 hours after a deposit.
For example:
- If your limit is $500 and you deposit $500 on day 1, your full limit becomes available again on day 7.
- If you deposit $100 each day for 5 days, your available limit gradually increases over the following days.
If you need to deposit a larger amount right away, use Direct Deposit instead.