UCard Radar
Risk alerts

Card database / Visa / Crypto debit card

ZZeal Card logo

Zeal Card

Updated: Aug 7, 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.
Submit usage feedback
Card network
Visa
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
USDC / ETH / DAI / USD / EUR
Last updated
Aug 7, 2026

Official and company information

Issuer identity and company credentials

OriginalZeal 是一款主打安全与隐私的非托管 Web3 数字加密钱包与金融科技应用。该平台支持用户自控制加密资产及法币，提供生物特征密钥（Passkey）登录以及内置的隐私防护盾（Privacy Shield）。通过与持牌电子货币机构（EMI）合作，Zeal 为欧洲及英国等区域的用户开通了专属的法币多币种账户与专属 Visa 借记卡，允许用户无缝进行法币/稳定币资产的无缝转换与全球消费。
Visit website Application page
Company / issuer
Zeal
Legal name
GRWTH LBS LTD (trading as "Zeal")
Registered region
United Kingdom (GB)
Headquarters
Original英国伦敦 (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.

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 China applicability

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

China applicability

The source text is retained below.

Original

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。

Updated: Aug 7, 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

User reviews

Showing 10 approved reviews matched to this card

Newest first
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
View original
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
View original
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.
View original
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
Alextrustpilot★ 5 / 5

Been using Zeal for almost two years…

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
View original
Levi Ramseygoogle_play★ 1 / 5

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

Not available in the US; garbage 🗑️
View original
Lim Chee Haogoogle_play★ 1 / 5

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

waste of time. not even available in my region. took my personal info, then told me they can't serve me, and then made me jump through hoops to delete my info from their servers.
View original
Roberto Vezzolatrustpilot★ 3 / 5

Ho completato la verifica ma…

Ho completato la verifica dell' identità che è andata a buon fine. Perché l'app continua a chiedere di rifarla e perché ogni volta devo reimpostare un PIN a 4 cifre?
View original

Risk factors

Updated: Aug 7, 2026

No risk factors are available