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Zeal Card

Updated: Sep 15, 2026

The Zeal Card is a Gnosis Pay self-custodial Visa debit card integrated into the Zeal wallet. Users deposit EURe, GBPe, or USDCe into a personally controlled Gnosis Card Safe. At the time of purchase, settlement is completed through Gnosis Pay and the Visa network without requiring assets to be held long-term by an exchange platform. The product offers an instant virtual card and a physical card for online shopping, in-store card payments, mobile wallets, and ATM withdrawals, with cryptocurrency cashback based on GNO holdings. It is primarily intended for users in Europe and the Web3 community.
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Card network
Product type
Crypto debit card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDCETHDAIUSDEUR
Last updated
Sep 15, 2026

Official and company information

Issuer identity and company credentials

Zeal is a non-custodial Web3 digital crypto wallet and fintech app focused on security and privacy. The platform lets users self-custody crypto assets and fiat currency, offering biometric Passkey login and a built-in Privacy Shield. Through partnerships with licensed Electronic Money Institutions (EMIs), Zeal provides users in Europe and the UK with dedicated multi-currency fiat accounts and a dedicated Visa debit card, enabling seamless conversion between fiat and stablecoin assets and global spending.
Visit website Application page
Company / issuer
Zeal
Legal name
GRWTH LBS LTD (trading as "Zeal")
Registered region
United Kingdom (GB)
Headquarters
London, United Kingdom (71-75 Shelton Street, London, WC2H 9JQ)
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Zeal itself is non-custodial wallet software responsible for the wallet interface, card management, transaction notifications, automatic top-ups, and connections to yield accounts. The actual card account is managed by Gnosis Pay and issued by licensed entities associated with Monavate. After completing Gnosis Pay identity verification, users can immediately activate a virtual card or order a physical card, then transfer supported stablecoins to the card Safe through a bank transfer, another wallet, or an exchange. The card balance remains in a smart-contract wallet controlled by the user, with on-chain settlement occurring only after a spending authorisation. Zeal can also automatically replenish the card balance from Aave or Sky yield accounts, but the risks and fees associated with yield accounts, asset conversion, and on-chain transfers are separate from the card's spending rules.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Zeal / Gnosis Pay Debit Card
Card formVirtual + physical card
Fees
Monthly fee
Free
No monthly account fee
Card issuance fee
Free
Free
ATM fee
2%
First 5 transactions or 200 free, then 2% fee, whichever limit is reached first
Foreign exchange fee
Free
Converted at Visa exchange rate
Top-up fee
Free
On-chain exchange fees additional
Failed transaction fee—
Rewards
Cashback—
Crypto cashback
5%
1%–5% GNO, tiered by GNO and NFT
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit
8,000 USD
Calculated on a rolling 24-hour basis
Monthly spending limit—
ATM withdrawal limit
250 USD
250 per transaction; 500 per day, calculated in card settlement currency
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

31
SlovakiaSKLatviaLVCroatiaHRUnited KingdomGBCyprusCYBulgariaBGMaltaMTLithuaniaLTRomaniaROSloveniaSIGreeceGRAustriaATDenmarkDKPolandPLFinlandFIEstoniaEEItalyITIrelandIELiechtensteinLIPortugalPTIcelandISNorwayNOCzechiaCZNetherlandsNLGermanyDEFranceFRSwedenSESpainESBelgiumBEHungaryHULuxembourgLU
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

154
DjiboutiDJGuyanaGYKiribatiKIIraqIQDominicaDMThailandTHRussiaRUSt. Kitts & NevisKNBurkina FasoBFEquatorial GuineaGQMadagascarMGQatarQATimor-LesteTLNorth KoreaKPSierra LeoneSLBeninBJPapua New GuineaPGMarshall IslandsMHGuatemalaGTZambiaZMBahrainBHMauritaniaMRUkraineUABelizeBZVanuatuVUSt. LuciaLCArmeniaAMTogoTGFijiFJTanzaniaTZHondurasHNKyrgyzstanKGParaguayPYEl SalvadorSVTürkiyeTRMoldovaMDMontenegroMEBrazilBREritreaERMexicoMXEcuadorECBahamasBSNamibiaNABoliviaBOMaldivesMVNauruNRColombiaCOBurundiBICape VerdeCVCameroonCMNigerNEBosnia & HerzegovinaBAUruguayUYMaliMLTrinidad & TobagoTTJordanJOMalaysiaMYTajikistanTJAustraliaAUBruneiBNVenezuelaVEKenyaKEJapanJPBangladeshBDRwandaRWJamaicaJMLesothoLSMauritiusMUGambiaGMSomaliaSOTunisiaTNDominican RepublicDOMalawiMWSouth AfricaZASt. Vincent & GrenadinesVCTongaTOPanamaPAIranIRAlbaniaALSeychellesSCYemenYEKuwaitKWPhilippinesPHSri LankaLKMyanmar (Burma)MMNorth MacedoniaMKPakistanPKTuvaluTVEthiopiaETGuineaGNUgandaUGGeorgiaGEMicronesiaFMAntigua & BarbudaAGNigeriaNGAzerbaijanAZSenegalSNCentral African RepublicCFMongoliaMNMozambiqueMZNew ZealandNZKazakhstanKZCôte d’IvoireCINicaraguaNISwitzerlandCHMoroccoMATurkmenistanTMSão Tomé & PríncipeSTGrenadaGDChileCLBhutanBTAfghanistanAFSerbiaRSIsraelILUzbekistanUZLaosLAUnited Arab EmiratesAESyriaSYCambodiaKHUnited StatesUSSingaporeSGCubaCULibyaLYSaudi ArabiaSAChinaCNBarbadosBBOmanOMIndiaINAlgeriaDZBelarusBYPalauPWSudanSDVietnamVNPeruPEHaitiHTNepalNPEgyptEGLiberiaLRSamoaWSLebanonLBCanadaCAGuinea-BissauGWZimbabweZWSouth SudanSSChadTDGabonGAGhanaGHBotswanaBWComorosKMSurinameSRIndonesiaIDAngolaAOMonacoMCSolomon IslandsSB
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Zeal Card is issued through Gnosis Pay, and the United States is currently listed as a coming-soon market rather than an eligible residency country; an issued card can still be used there because the United States is not on the card-usage restricted list.
2. United Kingdom：Can apply，Can use，The United Kingdom is an explicitly supported country of residence, and applicants can order the card through Zeal after completing Gnosis Pay identity and address verification.
3. Canada：Cannot apply，Can use，Canada is currently listed as a coming-soon market rather than an eligible country for card issuance, but an existing eligible card can be used there.
4. Australia：Cannot apply，Can use，Australia is currently listed as a coming-soon market and residents cannot yet order the card, while an eligible issued card can be used in Australia.
5. South Africa：Cannot apply，Can use，South Africa is currently on Gnosis Pay’s coming-soon list rather than its supported residency list, but it is not restricted for card usage.
6. New Zealand：Cannot apply，Can use，New Zealand is not included in the current supported countries of residence for Gnosis Pay card issuance, while an eligible Zeal Card can be used there.
7. Ireland：Can apply，Can use，Ireland is explicitly supported for card issuance, and residents can order a virtual or physical card through Zeal after completing the required identity and address verification.

Updated: Sep 15, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license / Residence permit / Utility bill

Review time / regional limits

Automated verification can be completed quickly; SumSub manual review generally takes three to five business days.

KYC provider

SumSub

Updated

Aug 7, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported9
Not supported3
UpdatedAug 7, 2026

Wallet payments

Alipay

Not supported

Aug 7, 2026

Wallet payments

Apple Pay

Supported

Aug 7, 2026

Cash services

ATM withdrawal

Supported

Aug 7, 2026

AI tools

ChatGPT

Supported

Aug 7, 2026

AI tools

Claude

Supported

Aug 7, 2026

Wallet payments

Google Pay

Supported

Aug 7, 2026

AI tools

Midjourney

Supported

Aug 7, 2026

In-person payments

Offline POS

Supported

Aug 7, 2026

Online shopping

Online shopping

Supported

Aug 7, 2026

Wallet payments

PayPal

Not supported

Aug 7, 2026

Subscriptions

Subscription payment

Supported

Aug 7, 2026

Wallet payments

WeChat Pay

Not supported

Aug 7, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Illimar Pedakgoogle_play★ 4 / 5

Zeal: Digital Wallet & Card Google Play review - 4 star

It was a bit confusing to set up all the services, but when it's done it works good for on-ramping to crypto assets from SEPA bank account, and spending crypto assets with the Gnosis pay Visa card.
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kv sidergoogle_play★ 2 / 5

Zeal: Digital Wallet & Card Google Play review - 2 star

app won't load after the last update
View original
Kranczsongoogle_play★ 4 / 5

Zeal: Digital Wallet & Card Google Play review - 4 star

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.
View original
Osio Evelyngoogle_play★ 5 / 5

Zeal: Digital Wallet & Card Google Play review - 5 star

about try it; just hope it's safe
View original
Balancegoogle_play★ 5 / 5

Zeal: Digital Wallet & Card Google Play review - 5 star

my first WOW experience with decentralised card, finance app.
View original
Arthur Fortunetrustpilot★ 1 / 5

Real scam

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
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Gavin Y-Wgoogle_play★ 1 / 5

Zeal: Digital Wallet & Card Google Play review - 1 star

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
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Andrestrustpilot★ 1 / 5

1 star – 14 days and still “Pending”. Absolute disgrace.

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.
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Dan Floringoogle_play★ 4 / 5

Zeal: Digital Wallet & Card Google Play review - 4 star

gear app but I can't send euro to account it just keep buffering and saying sending.... please fix that
View original
Runner Runnergoogle_play★ 1 / 5

Zeal: Digital Wallet & Card Google Play review - 1 star

this app flikkers all the time
View original

Risk factors

Updated: Aug 7, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Zeal Card require KYC?

Our record lists the Zeal Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Zeal Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Zeal Card with?

Our record lists Zeal Card support for: USDC, ETH, DAI, USD, and EUR.

Is Zeal Card a virtual or a physical card?

Zeal Card is offered as: Virtual + physical card.

Where is Zeal Card available?

Our record lists 31 countries or regions as available and 154 as restricted. Country-by-country status is in the regions section of this page.

Who issues Zeal Card?

Zeal Card is operated by Zeal on the Visa network.