How to deposit on fomo

The five ways in

Method	Where	Lands as	Minimum	fomo’s fee	What to know
Apple Pay to cash	iPhone app	USDC in your cash balance, usually within minutes	5 dollars	None of its own; the provider’s fee shows at checkout	May ask for a phone code or ID check; weekly limits on some accounts
Debit card	Mobile app	USDC in your cash balance, usually within minutes	Shown on the deposit screen	No figure published	Bank-issued debit cards only
Bank account (ACH)	Mobile app, some US accounts	USDC, after 1 to 3 business days	Limits shown on screen	Shown on the review screen	ID check and bank linking first time; one pending at a time
Exchanges and apps (Coinbase, Cash App)	Mobile app, some accounts	USDC in your cash balance			Needs an account with that service
Crypto (USDC)	App and web	USDC in your cash balance	0.50 on Base, BNB Chain, Monad and Robinhood Chain; none on Solana; Ethereum’s is highest and changes	No fee published	Must be the right token on the right network

Source: fomo’s help centre, read 10 November 2026. Your Deposit screen only shows the methods available to your account, which depend on your country, account and device. On the web, Deposit offers crypto only.

Apple Pay: two different buttons

This trips people up. fomo has two Apple Pay flows:

• The Apple Pay tile on the Deposit screen buys one specific token directly. You pick the token first. It is a purchase, not a deposit to cash.
• Debit, then Apple Pay selected on the Deposit cash screen, adds USDC to your cash balance (minimum 5 dollars). This is the one to use if you want cash to trade with later.

fomo says it adds no fee of its own to the cash deposit; the payment provider’s fee is shown before you pay, so the USDC that lands is a little less than the dollars charged. Your bank statement may show the provider’s name instead of fomo. Some accounts have a weekly spending limit and a cap on the number of deposits, shown under Details. Apple Cash, prepaid and virtual cards are declined, even through Apple Pay.

Debit card

Only bank-issued debit cards work. Prepaid cards, gift cards, Cash App Card, Venmo, Zelle, PayPal, Apple Cash and Revolut cards are declined. The billing address, ZIP or postcode and CVV must match your bank’s records exactly; a mismatch is one of the most common reasons for a decline. Some banks block crypto purchases by default, and a call to the bank usually clears it.

If card deposits end with “Deposits aren’t available in your region yet”, no card change will fix it. fomo publishes no list of supported countries. Use USDC instead.

Bank transfer (ACH, some US accounts)

If your account shows Bank Account, you can fund from a US bank. The first time, fomo’s bank partner verifies your identity and links the bank; the same check covers bank withdrawals. The review shows the fee and the total that will be debited. Settlement takes 1 to 3 business days, though sometimes the cash is made available before the transfer finishes. Only one bank deposit can be pending at a time.

Crypto: send USDC on a supported network

This works everywhere fomo is available, and it is the only method on the web.

1. In fomo, tap Deposit, then Crypto, and select the network your USDC is on.
2. Copy the address shown. It also shows that network’s minimum, if any.
3. Send USDC on that same network from your wallet or exchange. On Robinhood Chain, send USDG instead (minimum 0.50 USDG); it converts into your USDC cash balance.

fomo credits deposits on eight networks: Solana, Base, BNB Chain, Monad, Ethereum, Robinhood Chain, Arc and Elysium. A Solana deposit usually shows within seconds to a few minutes. On the others, funds land in your wallet first and move into cash while you are signed in, once they clear the minimum. An Ethereum deposit can wait while Ethereum network fees are high.

What goes wrong:

• Wrong token. USDT and other tokens arrive in your wallet as holdings, not cash.
• Under the minimum. Funds sit at your address until a top-up on the same network takes the total over the line.
• Unsupported network (for example Arbitrum, Polygon or Optimism). The funds are still at your EVM address, but the app cannot see them. fomo’s fix is to export your EVM key into another wallet and move them to a supported network yourself.
• Bitcoin. Not supported; a Bitcoin send never reaches fomo.

A charge but no deposit

If your bank shows a charge for a card or Apple Pay deposit that never arrived, fomo says it is a temporary authorization hold, not a payment, and the bank releases it within about 1 to 3 business days. After several failed attempts, the payment step locks for at least an hour; retrying early can extend the wait.

Which way is cheapest?

We cannot rank the card, Apple Pay and bank routes on cost, because fomo does not publish the providers’ fees; you see them only at checkout. What we can say: fomo publishes no fee of its own on a USDC deposit, and Solana has no deposit minimum. If you already hold USDC on an exchange, sending it on Solana avoids a card provider’s fee, though the exchange may charge its own withdrawal fee. Your trading costs start once you buy: see fomo fees.

Next step: start here for the safe path, or how to withdraw so you know the way out before you go in. JomoBench is unofficial.