If you’re in the US (except New York), you can withdraw funds from your Cash account to a US bank account. CASH is converted to USD at a 1:1 rate.

To withdraw to a bank account, you need to verify your identity.

Withdraw Cash to a bank account #

1. On the Home tab, tap Cash.
2. Tap Withdraw > Bank.
3. Select a saved bank account. To add one, tap Add bank. If you already have a saved account, tap + in the upper right. See Add a bank account.
4. Enter the amount.
5. Choose a withdrawal speed. Review the fees and expected arrival time.
6. Review the details and confirm.

Funds arrive as USD in the recipient’s bank account, converted at a 1:1 rate.

Add a bank account #

1. On the bank selection screen, tap Add bank or the + button in the upper right.
2. Enter the account holder’s Name, Routing Number, and Account Number.
3. Enter the account holder’s address, including the street address, city, state, and postal code. Use the second address line if needed. PO boxes and private mailboxes aren’t accepted.
4. Optionally, enter a nickname to help you identify the account.
5. If you're sending to your own bank account, select This account is owned by me. If you're sending to someone else's, clear the checkbox and use that person's name and address in the fields above.
6. Tap Continue to save the bank account, then select it to continue your withdrawal.

Remove a saved bank account #

1. Go to Cash > Withdraw > Bank.
2. Touch and hold the saved bank account you want to remove.
3. Tap Delete bank.

Expected withdrawal timing #

You'll see the expected arrival time before you confirm your withdrawal.

Withdrawals are processed with a 1 PM ET cutoff. Weekends, US federal holidays, and your bank's processing time can also affect when funds arrive.

When a withdrawal shows as Completed in Cash > History, the transfer has been sent. Your bank may take another 1 to 3 business days to make the funds available.

If your funds haven’t arrived #

Check your bank app or online account for a pending or incoming ACH transfer. If you don't see one, contact your bank.

If the funds still haven't arrived, contact Phantom Support after the following time has passed since you submitted the withdrawal:

• Fast: 3 full business days.
• Standard: 5 full business days.

Include the withdrawal date and time, amount, and selected speed when contacting support.