There are several ways to send money from your Cash account.
| Destination | How funds arrive | Speed | Requirements |
|---|---|---|---|
| Phantom username | Cash balance or CASH tokens | Instant | None |
| Solana address | CASH tokens | Instant | None |
| US bank account | USD | Same day or next business day | US only (excludes NY and AK), KYC |
| Exchange | CASH tokens | Varies | Exchange must support CASH on Solana. See Supported exchanges for Phantom Cash. |
If bank transfers show "Coming soon," see Why am I seeing "Coming soon" in my Cash account?
Send to a Phantom username
Send money to another Phantom user by their username. If the recipient has Cash activated, funds arrive in their Cash balance. If not, they receive CASH tokens in their wallet.
- Go to Cash → Send.
- Enter the recipient's username.
- Enter the amount and confirm.
Send to a Solana address
Send CASH tokens directly to any Solana wallet address.
- Go to Cash → Send.
- Enter the recipient's wallet address.
- Enter the amount and confirm.
The recipient receives CASH tokens.
Send to a US bank account
Send USD directly to a US bank account. This option is available in the US except for New York and Alaska, and requires KYC.
- Go to Cash → Send.
- Select or add a bank account using its routing and account number.
- Enter the amount.
- Choose a speed:
- Standard: Arrives next business day.
- Fast: Arrives same day if submitted before 1pm ET.
- Review and confirm.
Your Cash balance is converted to USD at a 1:1 rate.
Send to an exchange
You can send CASH to exchanges that support it on Solana. Before sending, verify your exchange supports CASH—sending to an unsupported exchange results in lost funds.
See Supported exchanges for Phantom Cash for compatibility and step-by-step instructions.
If your exchange doesn't support CASH, withdraw to your Phantom wallet, swap for a token the exchange accepts (such as USDC or SOL), and send that instead.