Updated 24 October 2026 · Facts checked on Fomo's help center, 24 October 2026
Fomo Referral Code DEAL in the USA
People in the US can join Fomo with referral code DEAL by opening fomo.family/r/deal before they create the account. The offer is 10% Off + Fee Cashback: Fomo charges 0.45% instead of 0.50% on a standard spot trade, and the DEAL code owner sends back USDC worth 12.5% of the Fomo fees you pay. A few Fomo rules differ for US users, and this page covers them.
What is different in the US
| Topic | For US users |
|---|---|
| Cash out to a bank | Possible, to US bank accounts only |
| ID check | Needed before the first bank withdrawal |
| Perps | Not available to U.S. Persons or anyone in the US |
| Robinhood Tokens | Not available to U.S. Persons or within US markets |
| USDC deposits | Work wherever Fomo works |
Withdrawing to a US bank account
Fomo pays out to a bank only when that bank account is in the US. Open your profile, tap the three dots beside the cash balance, pick Withdraw, then Bank account.
The first time, Fomo's partner Spritz runs an identity check. It needs a government ID, such as a passport or a driver's license, and you must be 18 or older. Fomo says it does not store the documents. Then you add the account and routing numbers.
| Option | Timing |
|---|---|
| Standard | 1-3 business days |
| Faster | Extra fee. Same day if started 9 AM-5 PM ET on a business day; outside those hours, estimated by the next business day. |
Weekends and US federal holidays are not business days. Full steps: Fomo on bank withdrawals. USDC can also go to a wallet or an exchange (withdrawals).
Perps: closed to U.S. Persons
Fomo's terms keep perps away from U.S. Persons and from anyone located in the US. In plain words, that means:
- anyone living in the US;
- US citizens, even if they live in another country;
- US permanent residents (green card holders), also when abroad;
- US companies and other US entities;
- anyone in the US at that moment, whatever their passport.
A VPN or proxy to get around this is ruled out too. So for U.S. Persons, DEAL's cashback comes from spot trades.
Robinhood Tokens: not in the US
Fomo's terms also say a feature called "Robinhood Tokens" is not available to U.S. Persons or within US markets. That is one named feature, not the Robinhood Chain network, and this page claims nothing about that network.
Paying in from the US
The deposit screen can show up to four methods: Crypto, Apple Pay, Debit Card, and Exchanges and apps. Not every account sees all four.
- Debit Card: bank-issued debit cards. Billing address, ZIP code and CVV have to match the bank's records, and some banks block crypto purchases. A failed try may leave a pending charge, a hold released in 1-3 business days.
- Not accepted on Debit Card: Cash App Card, Venmo, Zelle, PayPal and Apple Cash cards.
- Buy with Apple Pay: buys one token directly, through Crossmint. Bank-issued debit or credit cards only, so no Apple Cash, prepaid or virtual cards. Up to $2,500 a day, reset at 12 AM EST. Some accounts also have a weekly limit or a total cap.
- Exchanges and apps: Pay with Coinbase, for people with a Coinbase account. Some accounts also find Cash App listed here and can pay with it.
More: deposits.
Joining with DEAL from the US
- On the device you will use to sign up, open fomo.family/r/deal.
- Create the account from there, using Apple or Google sign-in.
- Type DEAL if a code box appears.
- Later, a 0.45% fee line on a standard spot trade tells you a referral discount applies. Fee check.
Codes attach only at account creation. Came through the link, yet the account has no referrer on record? Ask through Contact Support, which sits under Profile > Settings > Help and Support. Cashback is paid as USDC into your Fomo account every month, and weekly at the weekend once 50 USDC is waiting. Cashback terms.
Checked against Fomo's help center and terms on 24 October 2026. This is not legal or tax advice. For the rules that apply to you, read Fomo's terms.
Signing up in the phone app? See Fomo app referral code DEAL.
Questions
Do you need an ID to sign up for Fomo in the US?
Fomo's help center describes no lengthy verification at sign-up; an Apple or Google login is used. A government ID is asked for when you first withdraw to a US bank account.
Can a US citizen living abroad trade perps on Fomo?
No. Fomo's terms treat US citizens as U.S. Persons even when they live outside the US, and perps are closed to U.S. Persons.
Is the DEAL discount different for US accounts?
No. Every new user who joins with a code gets the same 10% from Fomo. The 12.5% cashback on top comes from the DEAL code owner, not from Fomo.