Phantom Cash Card vs Xapo Bank Card

Product status: Active

Source: Meet Phantom Cash

Official product page (tier 1)

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

Product status: Active

Source: Xapo Bank membership

Official pricing / fee schedule (tier 1)

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

Card type: Debit card, Stablecoin card

Debit card linked to the CASH stablecoin balance of the Phantom Cash account

Source states (paraphrased): Your Phantom debit card is a stablecoin-linked Visa card

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

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 75%

Card type: Debit card

Source: Xapo Bank FAQs – Payments

Official help center / FAQ (tier 1)

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

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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)

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

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: https://www.xapobank.com/banking-services/global-debit-card

Official product page (tier 1)

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

Card issuer / program manager: Stripe

Replacement cards and cards activated after 2026-10-05 are Stripe-issued; cards activated before 2026-10-05 without a replacement are Bridge-issued (disputes via Galileo)

Source states (paraphrased): Stripe-issued cards

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

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 70%

Annual fee: $1,000/year

Xapo Bank membership, card included

Source: Xapo Bank membership

Official pricing / fee schedule (tier 1)

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

Physical card fee: Free

Card included in the membership; additional replacement card in a year 25 USD

Source states (paraphrased): Experience the flexibility of high spending limits and a complimentary premium metal card.

Source: https://www.xapobank.com/en/banking/transact

Official product page (tier 1)

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

FX fee: 0%

Network exchange rate, no Xapo markup

Source: Xapo Bank FAQs – Payments

Official help center / FAQ (tier 1)

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

Crypto conversion fee: 0.1%

Spread when spending from the BTC wallet

Source: Secure Global Bitcoin Debit Card Benefits

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

ATM fee: 2%

Outside Gibraltar, above the free monthly allowance; operator fees separate

Source: Fee Information Document – Xapo Bank Limited

Official terms & conditions (tier 1)

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

Free ATM allowance: $100/month

Source: Fee Information Document – Xapo Bank Limited

Official terms & conditions (tier 1)

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

Max cashback: 1%

Up to, on qualifying purchases

Source: Secure Global Bitcoin Debit Card Benefits

Official announcement (tier 1)

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

Cashback paid in: BTC

Source: Secure Global Bitcoin Debit Card Benefits

Official announcement (tier 1)

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

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 60%

Cashback type: Crypto

Source: Secure Global Bitcoin Debit Card Benefits

Official announcement (tier 1)

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

Interest on balance: 4.1%

Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members

Source states (paraphrased): Xapo Bank offers up to 4.6%* interest on USD Savings, paid daily in BTC.

Source: https://www.xapobank.com/banking-services/global-debit-card

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 1 day ago (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 · Cash Rewards not available in the US or US-sanctioned jurisdictions

Cash Rewards is a balance reward funded by Phantom, not purchase cashback; rate shown in the app as APY, paid weekly in CASH, no minimum balance, no lock-ups; rewards pause once total Phantom rewards reach $1,500 in a tax year until US-person status is confirmed or identity verified; not available in the US, where the card is offered

Source states (paraphrased): It isn't available in the US, as well as jurisdictions sanctioned by the US.

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 80%

Credit line: No

Source: Meet Phantom Cash

Official product page (tier 1)

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

Credit line: No

Source: Xapo Bank FAQs – Payments

Official help center / FAQ (tier 1)

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

Spend own balance directly: Yes

Spends the Cash account balance; the account must be funded before paying

Source states (paraphrased): you can get a virtual Phantom debit card to spend your Cash account balance

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

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Account / spend currencies: USD

CASH balance is converted to USD when paying; merchant is paid in USD

Source states (paraphrased): converts it to USD, and the merchant is paid like a standard Visa transaction

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

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 70%

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Physical card: No

Source states (paraphrased): No. The Phantom debit card is virtual only.

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

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

Physical card: Yes

Complimentary metal card with the membership

Source states (paraphrased): Your Xapo Bank membership includes metal, standard, and virtual debit cards

Source: https://www.xapobank.com/en/banking/transact

Official product page (tier 1)

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

Virtual card: Yes

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

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Virtual card: Yes

Included in the membership (metal, standard and virtual cards)

Source states (paraphrased): Your Xapo Bank membership includes metal, standard, and virtual debit cards

Source: https://www.xapobank.com/en/banking/transact

Official product page (tier 1)

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

ATM withdrawals: No

ATM withdrawals and cash advances are unsupported merchant categories and are declined

Source states (paraphrased): Some merchant categories aren't supported for regulatory and fraud prevention reasons, including gambling, crypto purchases, gift card reloads, cash advances, and ATM withdrawals.

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

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 90%

ATM withdrawals: Yes

Free up to USD 100 per month, then 2%

Source states (paraphrased): Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.

Source: https://www.xapobank.com/en/banking/transact

Official product page (tier 1)

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

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Spend stablecoins: No

USDC/USDT deposits convert automatically to USD; the card spends USD or BTC

Source states (paraphrased): Deposit stablecoins with automatic conversion to USD

Source: https://www.xapobank.com/en/banking/transact

Official product page (tier 1)

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

Spendable assets: CASH

Cash account balance (CASH), converted to USD at payment

Source states (paraphrased): 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)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 85%

Blockchains: Solana

Source: Meet Phantom Cash

Official product page (tier 1)

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

ATM limit: $2,000

Per day

Source: Xapo Bank FAQs – Payments

Official help center / FAQ (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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Regulation / licences: Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)

Source states (paraphrased): Banking services are provided by Xapo Bank Limited, which is regulated as a Credit Institution by the GFSC (Permission No. 23171)

Source: https://www.xapobank.com/en/banking/transact

Official product page (tier 1)

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