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Phantom Card

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Get Phantom Card

Your first yearEarn about$0/yr
Monthly fee · none
$0
Cashback
None
Currency fee · 0%
$0
ATM
No ATM
Your money
You hold it
Sign-up
ID + SSN check (via Stripe Link)
Apple / Google Pay
The card itself
Free virtual

How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.·Checked November 10, sources in each section below

Our take

For people who keep stablecoins in Phantom and want to pay with them in shops and apps. Not for you if you need cash from ATMs or a plastic card.

Need cash from ATMs? Compare with Lava Card

Good to know

  • Money stays in your Phantom wallet
  • Stablecoins swap in for free
  • Apple Pay and Google Pay
  • Virtual only, no cash withdrawals
  • Not available in New York
  • No cashback
FeesPlansLimitsTop up & withdrawCountriesTrustSimilar cardsCompare
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Fees

SourcePhantom help center, Cash fees · checked November 10
Monthly fee
$0No subscription published
Virtual card
Free
Purchases in the US
Free
Paying abroad
Not published"Fees may apply. Phantom shows them before you confirm."
Swap other tokens into Cash
0.85%USDC, USDT, USDG, PYUSD on Solana: free
Withdraw to a bank
Standard ACH freeFast ACH $1 + 0.75%, min $1.50

Plans

Phantom Cash$0
  • Free virtual Visa
  • Free US purchases
  • Rewards on the Cash balance (separate program)

Limits

SourcePhantom help center, virtual Phantom debit card (US) · checked November 10
Spending per day
$2,000Reviewed for $5,000 after 30 days of history
Money transfers (Cash App, Venmo, Apple Cash)
$500 a week

Top up & withdraw

SourcePhantom help center, Cash fees · checked November 10

Top up

Stablecoins
USDC, USDT, USDG, PYUSD on Solana, free
Other tokens
0.85%
Direct deposit
0.30%
Domestic wire
1%Up to $1M
Debit card, Apple Pay, Google Pay
1.75%Credit card 3.5%

Withdraw

To a crypto wallet
Yes, CASH to any Solana addressOne-off Solana account setup cost for a new recipient
To a US bank
Standard ACH free
Cash withdrawal
Phantom help center, virtual Phantom debit card (US) · November 10
Not supported

For residents of United States

United States

Not on the list? Then Phantom Card doesn't accept people living there yet.

How they check where you live
Physical residential address (no P.O. boxes) and SSN
ID from another country
Where you live counts, not the country of your ID
ID accepted
Phantom help center, identity check for Cash · November 10
Government-issued ID and a selfie (document types not listed)
Pays in
Phantom help center, virtual Phantom debit card (US) · November 10
Anywhere Visa works; not gambling, crypto purchases, gift card reloads, cash advances or ATMs

Trust

SourcePhantom help center, your Cash account · checked November 10
Card issued by
Lead Bank (program manager Bridge Ventures); cards from 05.10.2026 handled by Stripe
Licence
Prepaid debit Visa issued by Lead Bank under a Visa U.S.A. licence; funds not FDIC-insured
Based in
United States
App StoreChecked November 10
4.8★64k ratings
Google PlayChecked November 10
4.4★154k ratings

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