Add Cash to Phantom

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. 

Then with your Cash account, you can swap into other tokens or spend with your Phantom debit card. Add Cash is available in the US, excluding New York. If you're in New York or outside the US, you'll see Buy instead. See Buy tokens in Phantom.

Tip: You can still buy tokens directly through third-party providers like MoonPay or Coinbase without going through your Cash account. Open any supported token page and tap More → Cash Buy.

Locate your Cash account

In the Phantom mobile app, on the Home tab, tap Cash to open your Cash account. The funding options in this article appear under Add Cash.

If your wallet is empty and you don't see Cash yet, tap Add Funds → Add Cash, or tap the + button → Add Cash. The first time you add cash, this opens identity verification (KYC). See Get started with Cash.

Fund with a card, Apple Pay, or bank account

1. On the Home tab, tap Cash.
2. Under Add Cash, tap Card, Apple Pay, Bank.
3. Enter the amount and choose your payment method. US checking accounts and debit cards have the highest success rates. Not all card networks are supported. See Supported cards for more information.
4. Review and confirm.

Fund with a bank transfer or domestic wire

Send an ACH transfer or a domestic wire to your Cash account for free, converted into CASH at a 1:1 rate. Both use the same account and routing numbers shown under Transfer From Bank in the app.

1. On the Home tab, tap Cash.
2. Under Add Cash, tap Transfer From Bank.
3. Copy your virtual account's routing number and account number.
4. Add your virtual account in your bank's app or website.
5. Send the deposit.

Fund by swapping tokens

You can turn Solana tokens you already hold into Cash.

1. On the Home tab, tap Cash.
2. Under Add Cash, tap Sell Crypto. Phantom shows the tokens in your selected account that are eligible for swapping.
3. Choose a token and tap Max to sell all, or enter the amount (minimum $1).
4. Review and confirm.

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.

You can also swap Solana tokens to Cash from the swapper. See Swap tokens in Phantom.

Remove a linked payment method

1. On the Home tab, tap Cash.
2. Under Add Cash, tap Card, Apple Pay, Bank.
3. Tap and hold the payment method you want to remove.
4. Tap Remove Payment Method.

Funding limits for card, Apple Pay, and bank deposits

Deposits made through Card, Apple Pay, Bank 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.

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 or 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 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: 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. You can also use Sell Crypto to fund your Cash account, if available.

"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.

FAQ

Can I buy crypto without funding my Cash account first?

Yes. You can purchase tokens directly through a third-party provider like MoonPay or Coinbase. Open any supported token page, tap More → Cash Buy, and complete the purchase through the provider. See Buy tokens in Phantom for details.

See also

• Get started with Cash
• Swap tokens in Phantom