Phantom Cash vs Ready Card (Argent)
On cashback Ready Card (Argent) wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Ready Card (Argent) does better (0% vs 1%). Neither wins across the board: weigh the points above against your use case before choosing between Phantom Cash and Ready Card (Argent).
| Phantom Cash | Ready Card (Argent) | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.6 | ★ 4.2 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Mastercard |
| 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) | Lite: $200/mese; Metal: $800/mese (poi 2%) |
| ATM withdrawal | Free | 2% |
| FX markup | 1% | 0% |
| Cashback | Not disclosed | 3% in STRK · Nessuno |
| Chains | 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 · 31+ countries |
| Regulator | Stripe partner bank (OCC/FDIC); FinCEN / state MSB regulators | UK FCA (partner Kulipa) |
| OAM Italy registration | 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 |
| Licences & safety | Stripe Issuing / BIN sponsor (partner bank model) | EMI (partner Kulipa) |
Frequently asked questions
Phantom Cash vs Ready Card (Argent): which is better?
On cashback Ready Card (Argent) wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Ready Card (Argent) does better (0% vs 1%). Neither wins across the board: weigh the points above against your use case before choosing between Phantom Cash and Ready Card (Argent).
Which is cheaper, Phantom Cash or Ready Card (Argent)?
On the standard spending profile Phantom Cash has the lowest net annual cost: €0 versus €0 for Ready Card (Argent).
Which offers more cashback, Phantom Cash or Ready Card (Argent)?
Ready Card (Argent) has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is Phantom Cash custodial or self-custody?
Phantom Cash is self-custody: you keep the keys, while Ready Card (Argent) is self-custody.
Which is better for spending abroad?
For foreign-currency spending Ready Card (Argent) wins, with the lowest FX markup: 0%.