最近更新：2026/09/15
Zeal Card 是 Zeal 钱包内集成的 Gnosis Pay 自托管 Visa 借记卡。用户将 EURe、GBPe 或 USDCe 存入个人控制的 Gnosis Card Safe，消费时通过 Gnosis Pay 和 Visa 网络完成结算，无须将资产长期托管给交易平台。产品提供即时虚拟卡和实体卡，可用于网络购物、线下刷卡、移动钱包及 ATM 取现，并按照 GNO 持仓获得加密货币返现。主要面向欧洲及 Web3 用户。
Zeal 本身是非托管钱包软件，负责钱包界面、卡片管理、交易通知、自动充值及收益账户连接；实际卡片账户由 Gnosis Pay 管理，并由 Monavate 相关持牌主体发行。用户完成 Gnosis Pay 身份验证后，可立即启用虚拟卡或订购实体卡，再通过银行转账、其他钱包或交易平台向卡片 Safe 转入支持的稳定币。卡片余额始终位于用户控制的智能合约钱包中，消费授权发生后才进行链上结算。Zeal 还可从 Aave 或 Sky 收益账户自动补充卡片余额，但收益账户、资产兑换和链上转账的风险及费用独立于卡片消费规则。
比较不同卡片形态与等级的真实费用记录
Z Zeal / Gnosis Pay Debit Card | |
|---|---|
| 卡片类型 | 虚拟卡+实体卡 |
| 费用 | |
| 月费 | 免费 不收月度账户费用 |
| 开卡费 | 免费 免费 |
| ATM 取现费 | 2% 前5笔或200免费，超出部分收取2%，两项额度先到为准 |
| 货币转换费 | 免费 按Visa汇率换算 |
| 充值费 | 免费 链上兑换费用另计 |
| 交易失败费 | — |
| 奖励 | |
| 返现 | — |
| 加密货币返现 | 5% 1%–5% GNO，按GNO和NFT分级 |
| 质押奖励 | — |
| 质押年利率 | — |
| 欢迎奖金 | — |
| 推荐奖金 | — |
| 限制 | |
| 每日支出限额 | 8,000 USD 按滚动24小时计算 |
| 每月支出限额 | — |
| ATM 取款限额 | 250 USD 250/笔；500/日，按卡片结算币种计算 |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
31条
不支持或受限开户/功能
154条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：不可申请；境外合法持卡用户可在接受Visa的线上及线下商户使用，但不提供微信支付或支付宝的正式绑卡支持。
2、香港：不可申请；境外合法持卡用户可在Visa受理商户和ATM使用，Apple Pay及Google Pay资格按卡片签发地区执行。
3、澳门：不可申请；境外合法持卡用户可在接受Visa的商户及兼容ATM使用，不支持以澳门地址完成卡片身份验证。
4、台湾：不可申请；境外合法持卡用户可进行Visa线上、线下和订阅付款，账单资料须与卡片登记信息一致。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
护照、国民身份证、驾驶证、居留许可、公用事业账单
自动验证可快速完成，SumSub人工复核一般需要三至五个工作日
SumSub
2026/08/07
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
9项
不支持
3项
数据更新时间
2026/08/07
钱包支付
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
现金服务
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
线下支付
更新时间 2026/08/07
线上购物
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
订阅服务
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录，按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
I'd give 4 stars - but for weeks I've been witnessing a bug where a grey bar keeps flickering on the bottom of my screen. It's very annoying and it still hasn't been fixed.
about try it; just hope it's safe
my first WOW experience with decentralised card, finance app.
Fake app for scam the newbies, no wallet but only some fairy fake tokens, you send it it’s game over, avoid it at all costs
I was able to sign up to get to my account, I got verified, I deposited some crypto into my account, I went to look into the virtual card, unfortunately I think as I'm from new Zealand, my account was a problem, I couldn't get the virtual visa debit card unfortunately. I had to withdraw the deposit, delete my account as well Definitely not great! It looked interesting to use for crypto! Uninstalling
1 star. Do not trust Zeal or Gnosis Pay with your money. Exactly 14 days ago I sent a small test amount of 7.34€ in ETH from my Trezor wallet to top up my Gnosis Pay card through the Zeal app. The transaction is STILL showing as “Pending”. Fourteen. Full. Days. This was only a test to check if the system worked before sending real money. It failed spectacularly. According to Gnosis Pay’s own help centre, pending transactions should clear in minutes. If they stay pending more than 10 days you should contact support. I did. Multiple times. Result so far: Zero useful response Zero explanation Zero resolution My ETH is stuck in limbo Zeal’s Discord and support channels are slow or ignore users. Gnosis Pay just points back to Zeal. Classic finger-pointing. This is not a “small glitch”. This is a complete failure of a basic function (topping up a card) on a product that markets itself as self-custodial and reliable. If they can’t process a 7€ test transfer in two weeks, how can anyone trust them with larger amounts? I will escalate this to their official complaints email, to Monavate, and to consumer authorities if needed. Until this is fixed and I get my money back (or properly credited), I cannot recommend Zeal or Gnosis Pay to anyone. Update will come when (if) they finally resolve it.
gear app but I can't send euro to account it just keep buffering and saying sending.... please fix that
this app flikkers all the time
Been using Zeal for almost two years now and the experience has been (for the most part) flawless. Only had one issue regarding a refund but that was now settled by the wonderful Zeal support employees. All the best Alex
Not available in the US; garbage 🗑️
更新时间：2026/08/07
暂无风险因素
