There are three ways to add funds to your Cash account: swap tokens from your Phantom wallet, add money via bank account, debit card, or Apple Pay, or send a wire or bank transfer.
| Funding option | Speed | Requirements |
|---|---|---|
| Swap tokens | Near instant | At least $1 of Solana tokens in your wallet |
| Bank, debit card, or Apple Pay | Two to three minutes | US only (except NY), identity verification |
| Wire or bank transfer | Same day or next business day | US only (except NY), identity verification |
Swap tokens
- Open the Cash tab.
- Tap Add Cash at the bottom, then tap Quick Sell Crypto. Phantom shows all tokens in your currently selected account that are eligible for swapping.
- Choose a token and tap Max to sell all, or enter the amount (minimum $1).
- Confirm the transaction.
Important: Tokens on other networks such as Ethereum or Polygon cannot be used to fund your Cash account directly. Swap them to a token on Solana first.
Use a bank account, debit card, or Apple Pay
US checking accounts and debit cards have the highest success rates.
- Open the Cash tab.
- Tap Add Cash at the bottom, then tap Bank, Card, or Apple Pay.
- Enter the amount and choose your payment method. Not all card networks are supported. See Supported cards for more information.
- Review and confirm.
Remove a linked payment method
- Open the Cash tab.
- Tap Add Cash at the bottom, then tap Bank, Card, or Apple Pay.
- Tap and hold the payment method you want to remove.
- Tap Remove Payment Method.
Set up direct deposit
Send a wire or bank transfer to your Cash account for free, converted into CASH at a 1:1 rate.
- Open the Cash tab.
- Tap Add Cash at the bottom, then tap Direct Deposit.
- 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
Deposits made with Bank, Card, or Apple Pay are subject to rolling limits using a seven-day trailing window, not a daily reset. Your available limit doesn't automatically refresh 24 hours after a deposit.
- If your limit is $500 and you deposit $500 on day one, your full limit becomes available again on day seven.
- 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.
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. |