Phantom Cash Card vs Wise Card

Product status: Active

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Product status: Active

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Prepaid card, Stablecoin card

Source states (paraphrased): The Prepaid Debit Visa Card (the “Card”) is issued by Lead Bank pursuant to licensing by Visa U.S.A. Inc.

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Debit card

Source states (paraphrased): Select the option to order your Wise debit card

Source: How to use the Wise card abroad: for Brits

Official announcement (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Network: Visa

Source states (paraphrased): wherever Visa is accepted

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Network: Visa

Visa in Ireland and the EEA; network depends on issuing country

Source states (paraphrased): In Ireland and across the EEA, the Wise card is a Visa debit card.

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Custody model: Self-custody

Source states (paraphrased): Your Cash account is a self-custodial wallet on Solana that only you control with your wallet credentials.

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Monthly fee: Free

No subscription required

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card fee: €7

Ireland page; one-time card order fee

Source states (paraphrased): Ordering a physical card | €7

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Virtual card fee: Free

Ireland page

Source states (paraphrased): Generating digital cards | Free

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Replacement fee: €4

Ireland page; free if the card was expiring

Source states (paraphrased): Replacing a card | €4 - unless it was expiring in which case it’s free

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

FX fee: 0.43%

From; varies by currency pair; 0% when spending a currency you hold

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified 1 day ago (Fresh) · confidence 80%

Top-up fee: Free

Domestic bank transfer only; other payment methods have varying fees

Source states (paraphrased): it’s free if you send a domestic bank transfer to your Wise account details

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

ATM fee: 2.69%

Eurozone-issued cards, above the free allowance; ATM operators may add fees

Source: Card payments abroad from France: what are the fees

Official announcement (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Free ATM allowance: €250/month

Eurozone-issued cards; no limit on the number of free withdrawals

Source: Card payments abroad from France: what are the fees

Official announcement (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Other fees & markups: Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amount

Spending a currency you hold is free

Source states (paraphrased): There may be a fee to get or replace your card.

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Base cashback: 0%

No cashback on card spending (owner research)

Source states (paraphrased): Owner research: Wise has no cashback on card spending.

Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Cashback type: None

No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Cashback type: None

No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest

Source states (paraphrased): Owner research: Wise has no cashback on card spending.

Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (Fresh) · confidence 95%

Interest on balance: 2.4%

Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies

Source states (paraphrased): Für anrechnungsfähige Guthaben auf Wise-Konten im September 2026 zahlte Wise einen annualisierten Cashback-Satz von: 1,20% für jeden EUR-Betrag 2,20% für jeden GBP-Betrag 2,40% für jeden USD-Betrag

Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Cashback conditions: Cash Rewards on CASH balances: variable APY set by Phantom, paid weekly, no lock-up · Rewards pause at $1,500 per tax year until tax details are provided

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Minimum balance: €101

Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)

Source states (paraphrased): ein Mindestguthaben von 55 GBP, 101 EUR oder 51 USD für den gesamten Monat halten

Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

Reward exclusions: Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashback

Source states (paraphrased): dein Geld über unser Assets-Feature in Form von Zinsanlagen oder Aktien gehalten wird

Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Credit line: No

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit line: No

Source states (paraphrased): you’re not borrowing any money

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Spend own balance directly: Yes

Source states (paraphrased): the money is coming directly from the balance in your Wise Account

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Available in: United States

Except New York; identity verification required for the card

Source states (paraphrased): If you’re in the US (except New York), you can get a virtual Phantom debit card

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Available in: Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United States

Thailand only for accounts registered on or after 21 January 2026

Source states (paraphrased): currently available for Wise account-holder residents in Australia, Brazil, Canada, the EEA (European Economic Area), Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand*, the United Kingdom, and United States

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Not available in: Hong Kong

Cards are blocked on moving to Hong Kong; no new card offered

Source states (paraphrased): If you move to Hong Kong, we have to automatically block your Wise cards

Source: Can I get the Wise card in my country?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Account / spend currencies: USD (CASH stablecoin, 1:1)

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Account / spend currencies: EUR · GBP · USD · and many more

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Own IBAN / bank details: Yes

Personal accounts; business accounts may pay a one-time setup fee

Source states (paraphrased): Getting account details is free for personal accounts.

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Apple Pay: Yes

Source states (paraphrased): Add it to Apple Wallet or Google Wallet for contactless payments in stores.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Apple Pay: Yes

Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Google Pay: Yes

Source states (paraphrased): Add it to Apple Wallet or Google Wallet for contactless payments in stores.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Google Pay: Yes

Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Physical card: Yes

Source states (paraphrased): This applies to both physical and digital cards.

Source: Can I get the Wise card in my country?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Virtual card: Yes

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Virtual card: Yes

Source states (paraphrased): This applies to both physical and digital cards.

Source: Can I get the Wise card in my country?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

ATM withdrawals: Yes

Source states (paraphrased): Withdrawing cash from ATMs is free up to a certain amount.

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Spend stablecoins: Yes

Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH

Source states (paraphrased): When you pay, our partner draws CASH from your Cash account, converts it to USD

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Blockchains: Solana

Source: Meet Phantom Cash

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Spending limit: $2,000

Per day; automatic review for $5,000 after 30 days

Source states (paraphrased): The standard daily transaction limit is $2,000.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Regulation / licences: Wise Europe SA: authorised payment institution supervised by the National Bank of Belgium

EU entity

Source states (paraphrased): In the EU, Wise Europe SA is an authorised payment institution supervised by the National Bank of Belgium.

Source: How our EU entity, Wise Europe SA, safeguards customer funds | Wise Help Centre

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Deposit protection: No

Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection

Source states (paraphrased): our payment services aren't subject to the Belgian Deposit Guarantee Scheme

Source: How our EU entity, Wise Europe SA, safeguards customer funds | Wise Help Centre

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%