Fees
- Issue
- FreeVirtual card issuance is free.
- Service fee
- Free/moThe Phantom-specific Lead Bank / Bridge agreement lists a $0 monthly fee.
- Top-up
- 0–3.5%Solana stablecoins: 0%; other tokens: 0.85%. ACH: 0.3%; domestic wire: 1%; debit card: 1.75%; credit card: 3.5%. Bank fees may also apply.
- Purchases
- 0%US purchases: $0. International merchant transactions: 1% + $0.30 under the card agreement.
- Currency conversion
- 1% + $0.30The agreement charges this fee for an international merchant transaction, not only currency conversion.
- Cashback
- Cashback not publishedThe reviewed Phantom documentation does not publish an ongoing cashback programme for the debit card.
Who can apply
- Identity check
- An identity document is required
- Residence: available
- United States
Sources (4)
- Use your virtual Phantom debit card United States2026-09-04
- Cash fees 448005316179392026-09-05
- help.phantom.com2026-09-05
- Phantom card2026-09-05
RS Score
72/100- Security
- Issuer
- Cost
- In practice
- Access
- Convenience
- Rewards