Phantom Cash Card — Bitcoin-Check
The bitcoin flow
Source note: Cash account = a dedicated Solana address holding CASH (Phantom's USD-pegged stablecoin), shown in USD. Funding: Stripe deposits by debit card 1.75%, credit card 3.50%, Apple/Google Pay (US + EU member states); US ACH direct deposit 0.30% (3-5 business days), domestic wire 1.00%; ACH withdrawal standard free. At payment the card draws CASH from the Cash account, Bridge converts it to USD and the merchant is paid as a standard Visa transaction.
The honest answer
Full review pending. Facts below are sourced and dated.
Pros
Cons
Facts
| Card type | Prepaid · Visa · Virtual |
|---|---|
| KYC | Full KYC |
| KYC trigger | Identity verification (via Stripe) is required for the debit card, direct deposit and bank transfers; the base Phantom wallet itself needs no KYC |
| Custody | Hybrid |
| BTC load | BTC via in-app conversion |
| BTC sale timing | Not documented |
| Lightning | no |
| Issuance | Free (virtual card) |
| Monthly fee | none |
| Top-up fee | 1.75% |
| FX fee | 1% |
| ATM fee | not documented (no ATM withdrawals advertised; card is virtual-only) |
| Cashback | none |
| Regions | US |
| Apple Pay | yes |
| Operator | Phantom (Phantom Cash) |
Score breakdown
FAQ
Is KYC required for the Phantom Cash Card?
How does bitcoin get onto the card?
When is my bitcoin sold?
What fees does the Phantom Cash Card charge?
Which regions does it serve?
Sources
Every claim traces to a source we fetched and dated.
- Meet Phantom Cash (product page)
Product page: virtual debit card spendable 'anywhere Visa is accepted' via Apple Pay/Google Pay; KYC only for card/bank features, handled by Stripe ('Phantom never has access to your legal name'); 'not available in the United States, except in New York'; footer card terms: Lead Bank issuer, Bridge program manager.
- Introducing Phantom Cash: New Money, Now in Your Wallet (2025-09-30)
Launch post: instant bank funding, quick sell to stablecoins without fees, P2P by username, 'a virtual (and soon physical) Phantom Debit Card' spendable anywhere Visa is accepted, virtual account via one-time Stripe verification, yield on eligible CASH balances 'later this year', cash back announced as upcoming.
- Use your virtual Phantom debit card (US only)
Support article: card spends the Cash balance wherever Visa is accepted; Bridge draws CASH and converts to USD at payment; US-only except NY; identity verification required; activation within 24 h of approval; Apple/Google Pay; disputes via Galileo (60-day window); daily transaction limit USD 2,000 standard, up to USD 5,000 after 30 days of account age + history (automatic assessment); USD 500/week money-transfer cap.
- Cash fees
Fee schedule: virtual card issuance free; US purchases free; international purchases fees may apply (amount undisclosed); debit-card funding 1.75%; credit-card funding 3.50%; ACH direct deposit 0.30%; domestic wire 1.00%; standard ACH withdrawal free, fast ACH USD 1.00 + 0.75% (min 1.50); stablecoin-to-CASH swaps free, CASH-to-other-token swaps 0.85%.
- Feature availability by region
Region matrix: 'Phantom debit card - Available in the United States, except New York'; Stripe Cash funding: 'United States (except New York), and the EU member states'; Cash account itself available worldwide (onchain features).
- Cash FAQ
'Your Cash account is a separate Solana address... designed to hold CASH, a USD-pegged stablecoin, and it shows your balance in USD'; Cash account is mobile-app only (no browser extension); covers yield, KYC and the debit card.
- Phantom Cash Cardholder Agreement (Lead Bank)
International transaction: 1% + $0.30 - A fee of 1% + $0.30 applies to the U.S. dollar amount of each transaction conducted with merchants outside of the U.S. Per purchase $0.00. Monthly Fee $0.00. ATM withdrawals are not available.