Add Cash lets you fund your Cash account with US dollars using a debit card, Apple Pay, a bank transfer, or a domestic wire transfer.
This article is for users based in the US, excluding New York. If you're in New York or outside the US, see Add Cash to Phantom from outside the US.
Before you start
The funding options described in this guide require identify verification (KYC) in the Phantom app. For more information, see Get started with Cash.
Fund your Cash account via Stripe
Fund your Cash account via Stripe using a debit card, Apple Pay or Google Pay, or a linked bank account:
- Tap the + button in the lower right, then tap Add Cash. Or on the Home tab, tap Cash, then tap Card, Apple Pay, Bank (or Card, Google Pay, Bank for Android devices).
- Enter the amount of CASH to purchase. Phantom sets Apple Pay (or Google Pay) as the default payment method
- To use a different payment method, tap the chevron next to Payment. US checking accounts and debit cards have the highest success rates. Not all card networks are supported. See Supported cards for more information.
- Tap Confirm and follow the prompts to complete your purchase with Stripe.
Fund your Cash account with a bank transfer or domestic wire
Fund your Cash account by sending an ACH transfer or a domestic wire for free, converted into CASH at a 1:1 rate. Both use the same account and routing numbers that 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.
Remove a linked payment method
- On the Home tab, tap Cash.
- Under Add Cash, tap Card, Apple Pay, Bank (or Card, Google Pay, Bank for Android devices).
- Tap and hold the payment method you want to remove.
- Tap Remove Payment Method.
Funding limits
Deposits made through Card, Apple Pay, Bank (or Card, Google Pay, Bank for Android devices) 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.
If you need to deposit a larger amount right away, use Transfer From Bank instead.
Supported cards
Not all card networks are supported.
| Network | 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. |
Common issues
If you're having trouble adding cash, this section may help. Deposits can fail or take longer than expected because of a declined payment method, a deposit limit, a location requirement, or a missing verification step.
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. For more information, see Supported cards.
- Deposits through Card, Apple Pay, Bank (or Card, Google Pay, Bank for Android devices) 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. You can use the Transfer From Bank option, if available, or wait until more of your rolling limit opens up. For more information, see Funding limits.
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 Transfer From Bank, if available.
Location mismatch
Some Cash funding options require you to be in a specific location:
- Card, Apple Pay, Bank (or Card, Google Pay, Bank for Android devices): You need to be physically located in the US.
- Transfer From Bank: You need to be physically located in your verified state.
Make sure you're in the right location before trying again. Until then, you can fund your Cash account by swapping tokens on Solana into it.
No tokens to sell
This message means you don't have enough tokens on Solana in your wallet. Add at least $1 of a Solana token, such as SOL or USDC, by purchasing or receiving it. See Receive tokens in Phantom for more information.