Withdraw to an exchange (available worldwide)
If you want to convert your tokens to fiat such as USD or EUR, send your tokens to an exchange, sell them for fiat, and withdraw to your bank account. See Withdraw tokens from Phantom to a bank account using an exchange.
Withdraw directly to a bank account (US only)
Withdraw funds from your Cash account to your US bank account as USD. This option is available only if you're in the US (except NY) and have completed identity verification (KYC) in the Phantom app. See Withdraw funds from your Cash account.