Tangem Pay vs Phantom Card
The short answer
Winner: Tangem Pay — 7.4/10 versus 6.9/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Tangem Pay
KYC
Phantom Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
Free
Free
FX fee
1%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$50k
$5k
Monthly limit
Unlimited
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Non-custodial
Non-custodial
Conversion fee
Free
0.95%
ATM per transaction
Unlimited
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
15
1
Coins
USDC
SOL, USDC
Tangem Pay vs Phantom Card FAQ
On our composite score Tangem Pay edges ahead (7.4/10 vs 6.9/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.