Adding money to your Cash account can fail for a few reasons, including a declined card, a deposit limit, a location requirement, or a missing verification step. This article covers each scenario and what to do.
Deposit fails
My deposit is still pending
Deposits via Stripe (the Bank, Card, or Apple Pay option) typically complete within two to three minutes but may show as pending briefly while processing. A pending status does not mean something went wrong. If a deposit has been pending for more than 48 hours (excluding weekends and bank holidays), contact Phantom Support.
My same-day deposit shows as next-day
Some deposits may show a next-day date due to normal processing timelines. Funds are still processing and will post within the normal window. If they don't arrive within 48 hours (excluding weekends and bank holidays), contact Phantom Support.
Payment method declined
Your card or bank may have insufficient funds, restrictions on crypto-related transactions, or other blocks in place. Also, not all cards are supported when adding funds to Cash via Stripe (the Bank, Card, or Apple Pay option). For more information, see Supported cards.
Try a different card or payment method.
Bank rejection
Some banks block crypto-related transactions regardless of the card used. If deposits continue to fail across multiple cards, try a different bank account or use the Direct Deposit option instead.
Deposit limit reached
Deposits made via Bank, Card, or Apple Pay are subject to rolling limits using a seven-day trailing window, not a daily reset. Your limit may not refresh exactly 24 hours after a deposit. For more information, see Funding limits.
Use the Direct Deposit option instead.
Location mismatch
The offchain funding options require that you're in a specific location:
- Bank, Card, or Apple Pay: You must be physically located in the US to use this option.
- Direct Deposit: You must be physically located in your verified state to use this option.
Make sure you're in the correct location before trying again. Alternatively, use the Quick Sell Crypto option to fund your account.
Funding options not available
"No tokens to sell"
If you see "No tokens to sell" when trying to use the Quick Sell Crypto option, this means you don't have enough tokens on Solana in your wallet. Add at least $1 of a token on Solana, such as SOL or USDC, by purchasing or receiving it. See Fund your Phantom wallet for more information.
"Verification Required"
If you see "Verification Required" when trying to use the Bank, Card, or Apple Pay and Direct Deposit options, this means you haven't completed identity verification (KYC) yet. See Get started with Cash for more information.