Cash fees
Fees can apply when you send, swap, fund, or withdraw from your Cash account. If a fee applies, you'll always see it in Phantom before you confirm.
Fees for onchain Cash account actions #
| Action | Fee |
|---|---|
| Withdraw CASH from your Cash account a Phantom username | Setup cost¹ if the recipient wallet has never held CASH. Otherwise free. |
| Withdraw CASH from your Cash account to a Solana wallet address, including your own Phantom accounts | Setup cost¹ if the recipient wallet has never held CASH. Otherwise free. |
| Swap USDC, USDT, USDG, PYUSD on Solana into your Cash account | Free |
| Swap from your Cash account into USDC | Free |
| Swap from your Cash account into USDT, USDG, or PYUSD on Solana | 0.85% |
| Swap other tokens into your Cash account | 0.85% |
| Swap from your Cash account into other tokens | 0.85% |
¹ Solana requires a setup cost for wallets receiving CASH for the first time. This is a network requirement, not a Phantom fee. The fee varies with SOL price. If the receiving account was fully emptied of CASH, then when you send CASH to it again, the setup cost will be charged again.
Fees for adding and withdrawing Cash #
| Action | Fee |
|---|---|
| Add Cash with a debit card through Stripe, including Apple Pay and Google Pay | 1.75% |
| Add Cash with a credit card through Stripe, including Apple Pay and Google Pay | 3.50%¹ |
| Add Cash with a direct deposit from a US bank account | 0.30%² |
| Add Cash with a domestic wire from a US bank account | 1.00%² |
Withdraw CASH from your Cash account with standard ACH | Free |
Withdraw CASH from your Cash account with fast ACH | $1.00 flat + 0.75% (min $1.50) |
¹ Some card partners, such as Robinhood, may charge additional fees.
² Your bank or payroll provider may charge additional fees.
Fees for the Phantom debit card #
| Action | Fee |
|---|---|
| Virtual card issuance | Free |
| Domestic purchases in the US | Free |
| International purchases (online or in-store) | Fees may apply. Phantom shows them before you confirm. |