Phantom Cash vs Exodus Spend Card
For spending abroad FX markup matters, and Exodus Spend Card does better (0% vs 1%). In our editorial rating Phantom Cash leads (4.6 vs 3.8). In short: Phantom Cash if your usage matches its strength, Exodus Spend Card otherwise — the numbers above beat any slogan.
| Phantom Cash | Exodus Spend Card | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.6 | ★ 3.8 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | N/A (solo prepaid) | N/A (virtual only) |
| ATM withdrawal | Free | Free |
| FX markup | 1% | 0% |
| Cashback | Not disclosed | Not disclosed |
| Chains | Solana | Solana |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Light | Full |
| Privacy | 8/10 | 7/10 |
| Supported countries | US · 1+ countries | EEA, UK, LATAM, APAC · 30+ countries |
| Regulator | Stripe partner bank (OCC/FDIC); FinCEN / state MSB regulators | FCA (Financial Conduct Authority) |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Past incidents | August 2022: an exploit of ~8,000 Solana wallets (~$8M) caused by the third-party Slope Wallet library, not by Phantom; Phantom urged users to migrate their seed phrases. | — |
| Regions | US | EU/EEA, UK, LATAM, APAC |
| Licences & safety | Stripe Issuing / BIN sponsor (partner bank model) | EMI / FCA Crypto Asset Registration |
Frequently asked questions
Phantom Cash vs Exodus Spend Card: which is better?
For spending abroad FX markup matters, and Exodus Spend Card does better (0% vs 1%). In our editorial rating Phantom Cash leads (4.6 vs 3.8). In short: Phantom Cash if your usage matches its strength, Exodus Spend Card otherwise — the numbers above beat any slogan.
Which is cheaper, Phantom Cash or Exodus Spend Card?
On the standard spending profile Phantom Cash has the lowest net annual cost: €0 versus €0 for Exodus Spend Card.
Is Phantom Cash custodial or self-custody?
Phantom Cash is self-custody: you keep the keys, while Exodus Spend Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending Exodus Spend Card wins, with the lowest FX markup: 0%.