This article explains the fees you may see when using Phantom Cash. If a fee applies, you’ll always see it before you confirm.
Onchain actions
Send funds
- Sends to Phantom usernames: Free
- Sends to Solana wallets: When you send CASH to a Solana wallet that doesn’t already have a CASH token account, you may see a one-time token account creation fee. This fee is charged in CASH and shown before you confirm.
Swap tokens
- Swap Solana stablecoins (USDC, USDT, USDG, PYUSD) into your Cash account: Free
- Swap other Solana tokens into your Cash account: Fee applies, charged in CASH
- Swap from your Cash account into Solana stablecoins (USDC, USDT, USDG, PYUSD): Fee applies, charged in CASH
- Swap from your Cash account into other Solana tokens: Fee applies, charged in CASH
Withdraw funds
Withdraw from your Cash account to your main Phantom wallet: Free
Offchain actions (US only, where available)
Add funds
- Add cash by debit card or Apple Pay: 1.75%
- ACH deposits into your Cash account: Free
- Domestic wires into your Cash account: Free
Phantom doesn’t charge fees for ACH deposits or domestic wires, but your bank or payroll provider may.
Withdraw to a US bank account
- Standard ACH (next business day): Free
- Same-day ACH: $1 + 0.75%
Spend with the Phantom Cash debit card
- Virtual card issuance: Free
- US purchases: Free
- International purchases (online or in-store): Fees may apply (shown before you confirm, when available)