Solflare Card vs Phantom Cash
In our editorial rating Phantom Cash leads (4.6 vs 3.5). The choice depends on your real spending profile: redo the math with your volumes before picking between Solflare Card and Phantom Cash.
| Solflare Card | Phantom Cash | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.5 | ★ 4.6 |
| Estimated net annual cost | €0 | €0 |
| Network | Mastercard | 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 | $500/giorno · $2.500/mese | N/A (solo prepaid) |
| ATM withdrawal | 2% | Free |
| FX markup | 1% | 1% |
| Cashback | Not disclosed | Not disclosed |
| Chains | Solana | Solana |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Light |
| Privacy | 7/10 | 8/10 |
| Supported countries | EEA, UK · 31+ countries | US · 1+ countries |
| Regulator | N/D — nessun regolatore finanziario dichiarato nei Termini di servizio | Stripe partner bank (OCC/FDIC); FinCEN / state MSB regulators |
| 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 | EU/EEA, UK | US |
| Licences & safety | N/D — modello self-custody; Solrise non agisce come money transmitter o payment services provider, la carta è emessa tramite un partner emittente Mastercard non divulgato | Stripe Issuing / BIN sponsor (partner bank model) |
Frequently asked questions
Solflare Card vs Phantom Cash: which is better?
In our editorial rating Phantom Cash leads (4.6 vs 3.5). The choice depends on your real spending profile: redo the math with your volumes before picking between Solflare Card and Phantom Cash.
Which is cheaper, Solflare Card or Phantom Cash?
On the standard spending profile Solflare Card has the lowest net annual cost: €0 versus €0 for Phantom Cash.
Is Solflare Card custodial or self-custody?
Solflare Card is self-custody: you keep the keys, while Phantom Cash is self-custody.