Spend Cash with the virtual Phantom debit card (US)
The virtual Phantom debit card is a prepaid Visa card that lets you spend your Cash account balance online, in apps, and in stores wherever Visa is accepted. You can also add it to Apple Wallet or Google Wallet.
When you pay, our partner draws CASH from your Cash account, converts it to USD, and the merchant is paid like a standard Visa transaction.
The card is available in the United States (except New York) and requires identity verification.
Activate your virtual card #
After verifying your identity, you can activate your virtual card to start spending.
- On the Home tab, tap Cash.
- Tap Your card is ready or tap the card symbol in the upper right.
- Confirm your information.
- Review your card details and accept the terms.
If you dismissed the activation screen, return to Cash within 24 hours of approval to finish setup. If the prompt no longer appears, see I can't activate my Phantom debit card.
Add your virtual card to Apple Wallet or Google Wallet #
For Apple Wallet, follow these steps:
- On the Home tab, tap Cash.
- Tap the card symbol in the upper right.
- Tap Add to Apple Pay.
On Android, Phantom shows View card details rather than an Add to Google Wallet button. To add your card manually in Google Wallet, follow these steps:
- On the Home tab, tap Cash.
- Tap the card symbol in the upper right.
- Tap View card details.
- Copy your card number and note its expiration date and security code.
- Open Google Wallet.
- Add your card using those details.
Pay with your virtual card #
Make sure your Cash account is funded before making a payment. You can pay in the following ways:
- Online or in-app: Select Visa at checkout and enter your card details, or use Apple Pay or Google Pay.
- In-store: Tap to pay with Apple Pay or Google Pay at contactless terminals.
- Manual entry: Enter your card number, expiration date, and CVV when prompted.
Manage your virtual card #
Set a PIN #
The Phantom debit card has no PIN set by default. You must set a PIN to use it at merchants who require a PIN for transactions. If your card has been replaced, your previous PIN doesn't carry over. Set a PIN for your replacement card if you use one.
- On the Home tab, tap Cash.
- Tap the card symbol in the upper right.
- Tap Set PIN.
- Follow the prompts to enter and confirm your PIN.
To change a PIN that you set earlier, from the same screen, tap Change PIN and confirm.
Lock your card #
If your card is lost or compromised, you can lock it.
- On the Home tab, tap Cash.
- Tap the card symbol in the upper right.
- Tap Lock Card.
- Confirm.
To unlock your card later, tap Unlock Card.
Dispute a transaction #
You must submit a dispute within 60 days of becoming aware of the transaction. After 60 days, you may not be able to recover the disputed funds.
Stripe-issued cards #
If you've been issued a replacement card, or you activated your Phantom debit card after October 5, 2026, call +1 855 935 3124 to submit a dispute.
Bridge-issued cards #
If you activated your card before October 5, 2026, and haven't been issued a replacement, follow these steps:
- Open Apple Wallet or Google Wallet.
- Tap your Phantom debit card.
- Go to Card Details.
- Tap the phone icon to get the Galileo dispute line.
After a dispute is submitted, Galileo will correspond with you directly for any written communication related to the disputed transaction.
Limits #
Daily transaction limits #
The standard daily transaction limit is $2,000. When your Cash account is at least 30 days old and has 30 days of transaction history, Phantom automatically reviews your eligibility for an increase to $5,000 per day.
Phantom Support can't increase or manually reset this limit.
Weekly money-transfer limits #
Money-transfer transactions, including funding Apple Cash with your virtual Phantom debit card, are limited to $500 per week.
After you reach this limit, additional money-transfer transactions will be declined. This is expected. The limit resets automatically each week. After it resets, you can try the transaction again.
Authorization holds #
Some merchants, such as gas stations or hotels, place temporary holds that may exceed your purchase amount. The unused portion is returned to your Cash account after the transaction settles.
Authorization holds typically resolve within 24 to 48 hours but can last up to 30 days.
| Merchant type | Typical hold duration |
|---|---|
| Gas stations | Same day to 72 hours |
| Restaurants and bars | Within 24 hours |
| Spas, salons, and service businesses | 24 to 48 hours |
| Parking garages | 24 to 72 hours |
| Subscriptions and free trials | Within 24 hours |
| Airlines and travel agencies | 5 to 7 days |
| Online retailers | 1 to 7 days |
| Healthcare | 1 to 7 days |
| Rental cars | 3 to 10 business days after return |
| Hotels and lodging | 3 to 7 business days after checkout |
| Cruise lines | Up to 30 days |
Refunds #
Refunds usually appear within a few business days but can take up to 30 days, depending on the merchant and card network.
FAQ #
Why do I need to verify my identity for the debit card? #
The Phantom debit card is issued through a regulated card program partner and is subject to applicable financial and identity-verification requirements.
Is the Phantom debit card available in my country? #
The virtual Phantom debit card is available only in the United States (except New York). We don't have a timeline to share for other regions.
Is there a physical Phantom debit card? #
No. The Phantom debit card is virtual only. You can use it anywhere Visa is accepted by adding it to Apple Wallet or Google Wallet for contactless payments, or by entering your card details manually at checkout.
How does the Phantom debit card work? #
Your Phantom debit card is a stablecoin-linked Visa card that works anywhere Visa, Apple Pay, or Google Pay are accepted. When you pay, our partner draws CASH from your Cash account balance and converts it to USD, so the merchant is paid like any standard Visa transaction. You can use your card online, in apps, and in-store wherever Visa is accepted.
Onchain, you'll see a transfer from your Cash account to the debit-card smart contract. Merchant names, items, and receipts aren't visible onchain.
How can I change the name on my Phantom debit card? #
Contact Phantom Support.
Can I view the statement for my Phantom debit card? #
On the Home tab, tap Cash, then look for the History section.
Does the Phantom debit card support cash back? #
No. Cash back functionality is not currently supported.
Troubleshooting #
I can't activate my Phantom debit card #
If more than 24 hours have passed since your identity verification, the activation prompt may have expired. Contact Phantom Support.
I was asked for a PIN at checkout #
By default, your Phantom debit card has no PIN set. Most US merchants don't require a PIN for contactless or credit-style transactions, but some may still prompt for one.
If you're asked for a PIN and haven't set one, you can usually press Enter or skip to proceed. If the terminal requires a PIN, tap Cash, tap the card symbol, then tap Set PIN.
My Phantom debit card was declined #
| Cause | What to do |
|---|---|
| Merchant not supported | Some merchant categories aren't supported for regulatory and fraud prevention reasons, including gambling, crypto purchases, gift card reloads, cash advances, and ATM withdrawals. Try a supported merchant. If you think the decline was an error, contact Phantom Support. |
| Insufficient funds | Some merchants (restaurants, hotels) place temporary holds higher than your bill. Keep your balance at least 20% higher than your expected bill. Holds reverse automatically within a few business days after the merchant finalizes or cancels the transaction. |
| Money transfer limit reached | Peer-to-peer transfers, such as Cash App, Apple Cash, and Venmo, are limited to $500 per week. If your payment was declined, you may have reached this limit. Try again after it resets, or use a different payment method. |
| Spending limit reached | The default daily limit is $2,000, with an increase to $5,000 when conditions are met. |
| Network or processing issue | A temporary error occurred. Try again, or wait a few minutes and try another merchant. If the issue continues, contact Phantom Support. |
My Phantom debit card was declined but I was charged #
A temporary authorization hold may appear while the transaction settles. Holds reverse automatically within 5 business days after the merchant finalizes or cancels the transaction. If the hold hasn't reversed within 5 business days, Phantom Support can help you start a dispute with Galileo.
The payment amount changed after checkout #
Some merchants place authorization holds that may change after checkout, for example after you add a tip. The final amount updates after the merchant settles the transaction. If it hasn't settled within 5 business days, contact Phantom Support.
I received a refund but it hasn't appeared in my Cash account #
Refunds are processed by the merchant through the card network. If the original transaction is still showing as pending, the merchant can't issue a true refund yet. The hold will drop automatically when it expires.
If the merchant has confirmed the refund and more than 30 days have passed, contact Phantom Support with your transaction details.