How to start in 4 steps
Open our Bybit link before you sign up
Sign up with email or phone; invitation code 13270 must be in the code field before you tap Sign Up
Verify your identity (KYC) and turn on 2FA; check the Rewards Hub for new-user tasks
Make your first deposit (crypto, card/One-Click Buy or P2P), then a small first trade
Independent guide, not affiliated with Bybit. Affiliate link: we may earn a share of fees.
In the US: Phantom Cash to bank
- Swap what you want to cash out into Cash in Phantom (stablecoin swaps into Cash are free; other tokens pay the 0.85% swap fee).
- Open Cash → Withdraw → Bank and link your US bank account.
- Verify your identity (KYC) when asked.
- Choose standard or fast transfer and confirm.
Available in the US except New York (Phantom help). Standard ACH is free; fast ACH costs $1 + 0.75% with a $1.50 minimum (Phantom Cash fees).
Everywhere else: through an exchange
- Open an account on an exchange that serves your country and supports withdrawals to your bank, and complete KYC.
- Copy your exchange deposit address for the token and network you hold (for example SOL or USDC on Solana).
- Send a small test amount from Phantom first, then the rest.
- Sell for your currency and withdraw to your bank.
This is Phantom's own recommended route for non-US users (Phantom help). Our Bybit link uses code 13270 (EEA users: Bybit EU, code 152292).
Fees to expect
| Step | Cost |
|---|---|
| Swap memecoin → Cash in Phantom | 0.85% Phantom fee + network fee + price impact |
| Stablecoin → Cash | free |
| Cash → US bank, standard ACH | free |
| Cash → US bank, fast ACH | $1 + 0.75% (min $1.50) |
| Exchange route | network fee to send, exchange trading fee, and the exchange's withdrawal fee |
Common mistakes
- Sending on the wrong network: the exchange must support the exact network you send on.
- Skipping the test transfer on a new address.
- Forgetting that selling is usually a taxable event; keep records (memecoin taxes basics).
Related
- How to cash out memecoins
- Phantom review
- Phantom referral code
- Bybit referral code 13270
- How to sell memecoins
Sources
- Phantom: withdraw Cash to a US bank
- Phantom: Cash fees
- Phantom: withdraw through a crypto exchange
- Phantom: swap fees
Updated 2026-10-12. How we test
How to withdraw from Phantom to a US bank
- Swap into Cash in Phantom.
- Open Cash → Withdraw → Bank.
- Verify your identity.
- Choose standard or fast ACH and confirm.
Frequently asked questions
Can I withdraw from Phantom directly to my bank?
In the US except New York, yes: from Phantom Cash via Cash → Withdraw → Bank, after KYC. Elsewhere, cash out through an exchange.
How much does a Phantom bank withdrawal cost?
Standard ACH is free; fast ACH is $1 + 0.75% with a $1.50 minimum.
How do I cash out from Phantom outside the US?
Send crypto to an exchange that serves your country, sell it and withdraw to your bank.
Signed up but haven't deposited yet?
Exchange welcome rewards and referral benefits only start once the account is funded and you trade. Finish identity verification first, then deposit (crypto on the right network, card/One-Click Buy or P2P) and make one small trade. New-user tasks usually have deadlines counted from registration, so check the rewards page in the app early.
Independent guide, not affiliated with Bybit. Affiliate link: we may earn a share of fees.