There are three ways to add money to your Phantom Cash account.
| Funding option | Speed | Requirements |
|---|---|---|
| Quick Sell Crypto | Instant | At least $1 of Solana-based tokens in your wallet |
| Bank, Card, or Apple Pay | Two to three minutes | US only (excludes NY and AK), KYC |
| Direct Deposit | Same day or next business day | US only (excludes NY and AK), KYC |
If a funding option is grayed out or shows "Coming Soon," see I can't fund my Cash account.
Quick Sell Crypto
Convert Solana-based tokens you already hold into your Cash balance. This is the fastest way to fund your account.
To sell tokens to Cash, follow these steps:
- Go to Cash → Add Cash.
- Tap Quick Sell Crypto.
- Choose a token and enter the amount (minimum $1).
- Confirm the transaction.
You can also sell from a token's detail page: open the token, tap Sell, select Cash as the destination, and confirm.
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.