Phantom Cash Card vs PST.NET
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Phantom Cash Card wins overall (4.8/10 vs 4.4/10). The right pick still depends on your priority - see the flow comparison below.
 Phantom Cash Card |  PST.NET | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | You sell manually in the app | Not documented |
| Fees | ||
| Top-up fee | 1.75% | not documented |
| FX fee | 1% | 1% |
| Monthly fee | none | not documented |
| ATM fee | not documented (no ATM withdrawals advertised; card is virtual-only) | not documented |
| Cashback | none | none |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | USD 2,000/day standard; up to USD 5,000/day assessed automatically once the Cash account is 30 days old with 30 days of transaction history (support cannot raise/reset manually) | not documented |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | US | GLOBAL |
| Network | Visa | Visa |
| Form factor | Virtual | Virtual |
| Apple Pay | yes | no / unknown |
Pick Phantom Cash Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick PST.NET if
- Known fee stack (2.8 vs 1.0 % equivalents on a $500/mo profile)
Phantom Cash Card
The wallet-first card: Phantom's Solana wallet issues a virtual Visa that spends a USD-pegged stablecoin balance (CASH) through Lead Bank, with Bridge converting at authorization - and the conversion consent documented verbatim in the cardholder agreement, which almost no competitor does. It is also narrow: US-only (not New York), virtual-only with no ATM access, full identity verification through Stripe for the card while the wallet itself stays no-KYC, and a 1.75% debit-card funding fee that makes card-funded top-ups expensive. A well-documented niche product: fund it via ACH (0.30%), not by card, and treat the wallet's no-KYC claim as ending at the card's front door.
PST.NET
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
More head-to-heads
FAQ
Which is better for privacy, Phantom Cash Card or PST.NET?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify