The Phantom Cash debit card lets you spend your Cash balance online, in apps, and in stores wherever Visa is accepted. You can also add it to Apple Pay or Google Pay.
When you make a payment, it draws funds from your Cash account and converts them to USD. The merchant is paid like a standard Visa transaction. Make sure your Cash account is funded.
Requirements
- Available in the US only, except NY and AK.
- Requires identity verification. See Get started with your Cash Account.
Add your virtual card to Apple Pay or Google Pay
- Open the Cash tab.
- Select your card.
- Tap Add to Apple Wallet or Add to Google Pay.
- Follow the prompts.
Use your virtual card
You can pay using your card 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 using Apple Pay or Google Pay at contactless terminals.
- Manual entry: Enter your card number, expiration date, and CVV when prompted
Manage your virtual card
To manage your card, open the Cash tab and select your card.
- Set or change your PIN: Some merchants require a PIN at checkout. Select Set PIN or Change PIN to create one.
- Lock your card: If your card is lost or compromised, select Lock Card to temporarily disable it. Select Unlock Card to re-enable it.
Daily limits
The default daily spending limit on your virtual Phantom Cash debit card is $2,000. You can increase the limit to $5,000 per day—contact Phantom Support for assistance.
Authorization holds
Some merchants (like gas stations or hotels) place temporary holds that may exceed your purchase amount. The unused portion is returned to your Cash account once the transaction settles.
Warning: Never share your recovery phrase or private key with anyone. Phantom Support will never ask for them.