Zeal spends your own stablecoins, but its card programme is closing

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you have been turned away by an ordinary bank, or you simply do not want a bank’s card attached to your crypto, Zeal is an interesting proposition: it turns the balance in your own self-custody wallet into a Visa card number, and the money never leaves your Safe until you spend it. No bank holds it, no platform custodies it, and Zeal says it takes no extra foreign-exchange fee of its own. That is genuinely appealing to anyone who already thinks in stablecoins.

But I have to lead with the thing that overshadows everything else on this page. In September 2026, Gnosis Pay — the company whose licence sits under the card programme — announced it is closing its consumer card and web app at 23:59 UTC on 2026-12-20 and moving to business customers. It told cardholders to move to partner apps for a replacement card, naming MiniPay. Zeal’s own statement about its future plans was not found. So this is a card review of a card whose plumbing is being dismantled while you read it. If your reason for reading this page is “I want a card that works”, read section 7 before anything else.

My score is 6.1 out of 10, and the shape of that number matters as much as the number. The parts of this card that are plainly good — spending where Visa is accepted, no platform custody, a virtual card in your phone, up to 4% cashback in GNO — scored 8 and 7. The reliability column scored 2, and it dragged the total down, because reliability is the one thing a payment card cannot be mediocre about.

The conditions described here are current as of October 28, 2026.

Verdict: 6.1 out of 10

Here is how the total breaks down, criterion by criterion, with the reasoning behind each mark.

Two things to hold onto as you read the sections below. First, the intended user here is specific: people who already run a self-custody wallet and want to spend EUR, USD or GBP stablecoins without converting to a bank account first. If that is not you, most of this page’s advice is: pick something else. Second, the 7 for eligibility is a score about *reach*, not about friendliness — 150+ countries sounds universal until you discover that your specific country decides whether you get a card at all.

Will they give you the card?

Short answer: probably, if you live in a supported country and can get through Gnosis Pay’s onboarding — but “supported” is doing a lot of work here, and the published lists disagree with each other.

What is clear from the official material is the reach and the geography. Spending works in 150+ countries. The card programme is live, according to Gnosis Pay’s own documentation, in the EU, the UK, Brazil, Colombia, Mexico, Japan, Singapore, the Philippines, Indonesia and Thailand. Zeal’s own app update notes added card support for Mexico, Colombia and Bolivia.

Everything beyond that is either unofficial or contradictory, and I want to be honest about where the line sits rather than dress it up. Third-party sites (spendnode.io, September 2026) list the EEA and UK as requirements and show an order screen covering the EU, Switzerland, Iceland and Norway; they also describe the card as unavailable in the US and in much of the Asia-Pacific region. cryptocardhub.com in August 2026 counted 36 countries available and 21 restricted, and listed Latin America as Argentina, Brazil, Colombia and Mexico. That same site listed Bolivia as both supported and coming soon at the same time, which tells you how much to trust a single such list.

There is a pattern in that confusion worth understanding, because it is not specific to Zeal. Issuers look at the country of *issue* and the country of *residence*, not just where you happen to be standing. Merchants can look up the first six or eight digits of a card number — the issuer identification number — and see which institution and country issued it, and some apply extra scrutiny when that issuer country differs from the billing address on file. That is the ordinary reason a card issued in one country looks “foreign” to a shop in another. So a card can be perfectly usable in 150+ countries and still be unobtainable in the one where you live.

Nationality is also recorded and screened separately from residence, because sanctions screening and issuer risk policy get applied to citizenship and country of birth as well as to your address. Prepaid and debit cards are generally available to adults aged 18 or over, and some issuers set their own higher limits.

One thing Zeal’s public pages do not say: the age requirement and the document list. That is a real gap, covered in the next section.

How to get it

You sign in with Ethereum, and Gnosis Pay’s onboarding includes KYC after that sign-in, verified through Sumsub. What Zeal does not publish on zeal.app is the list of documents, the age threshold, the KYC tiers, the processing time, or the reasons a check might be rejected. That is not a minor omission when your money is involved — those are the four things you want to know before you start.

Unofficial descriptions from third-party sites fill some of the gap: full identity and address verification, age 18 or over, a government ID or passport plus proof of address issued within the previous three months, checks handled by Sumsub — and, importantly, that uploading documents does not guarantee approval. One of those same sites notes that KYC levels and timing were not stated there either.

Why the emphasis on the checks being formal? Under anti-money-laundering law, regulated businesses must verify customers and assess risk, including ongoing transaction monitoring and reporting of suspicious activity. In the EU, customer due diligence covers name, address, date of birth, nationality and identity documentation, a sanctions check, the purpose of the relationship, and whether the customer is a politically exposed person. If due diligence cannot be completed, EU rules require the institution to decline the transaction or relationship and, where necessary, end an existing one. That is the honest reason accounts close or freeze while documents are pending — it is not a judgement about you.

In the US the customer identification programme requires name, date of birth, address and an identification number. In other words, the verification depth you are signing up for is a legal obligation of the institution, and no card in this category routes around it. I would add that Zeal does not sell anonymity and should not be read as a way to avoid being identified. If your situation involves a sanctioned country or a nationality your provider cannot accept, the answer is no, and it is no at the licence-holder’s end, not something to work around.

What it really costs

The honest headline is that Zeal publishes no fee schedule at all — not on zeal.app, not in the App Store listing. No amounts. Which means the number you will actually pay has to come from somewhere else, and the two sources that do quote figures are unofficial and partly out of date.

Here is what is claimed, with its source marked:

Before you treat that table as a price list, understand where the gaps come from. Zeal is the interface; the card programme and the money belong to Gnosis Pay and the issuer. Zeal points to Gnosis Pay’s fees and limits documentation, and that documentation was not retrievable when this page was checked. Everything marked unofficial is a third party’s reading of it, and the EUR 30.23 entry shows how much a stale fee page can differ from a current one — same company, opposite conclusion about whether the card costs anything.

What is officially solid is the foreign-exchange side. Zeal charges no additional FX fee and converts at the Visa wholesale rate, so what you see as the exchange rate on your statement is the market rate, not a marked-up one. Gnosis Pay fees — an ATM charge, for instance — can still apply on top.

Now let me follow three everyday payments through, because fees hide in the small print rather than the schedule.

A coffee abroad, paid in a currency you do not use. This is the case the card handles best. You spend EUR, USD or GBP from your Safe; Visa’s mid-market rate converts it; Zeal adds nothing; Gnosis Pay’s own charges, if any, still apply. For a traveller or for anyone whose crypto is dollar-denominated but whose life is in euros, this is the real argument for the card.

Withdrawing cash at an ATM. This is the case the free figures come from, and they are unofficial. The claim is that the first five withdrawals, or 200 units of currency in a month — whichever arrives first — cost nothing, and that after that the fee is 2% per withdrawal, with per-withdrawal and per-day caps quoted at 250 and 500. Zeal itself only says that ATM withdrawals are possible subject to Gnosis Pay fees, and states neither the amount nor the allowance. So: assume there is an ATM fee, and check the app before you rely on cash.

A subscription or a large purchase. The unofficial limits are 5,000 per transaction and 8,000 over a rolling 24 hours, denominated in EUR, GBP or USDC. If that holds, it comfortably covers normal spending and probably most holidays, but it does mean that a genuinely large payment — a deposit, say — needs splitting, and the person deciding how to split it is you, on the assumption that the unofficial figures are right.

One more cost category nobody lists in a fee table but that you will meet: gas. On-chain network fees for your own deposit are charged by the blockchain, not by the card provider. If your wallet holds stablecoins and no ETH, you may be technically unable to send, because ERC-20 gas is paid in ETH. Tron-priced networks bill differently, using bandwidth and energy and often burning TRX. This is a category fact, not a Zeal charge, but it is money you will need on hand.

How to top it up

The card spends balances held in what Zeal calls the card Safe: EUR, USD and GBP accounts containing stablecoins, with the documentation naming Gnosis Chain and Celo as the chains. The exact coins accepted for Zeal are not stated, which is an odd thing to leave unsaid about a card whose whole job is spending a balance. Unofficial sources describe the accounts as holding EURe, GBPe and USDCe.

The part that should comfort you most is structural, not a fee. The wallet is self-custodial. Funds stay in your own wallet or Safe. Zeal states plainly that no bank or company can freeze or seize your funds because of this — and the flip side of that same statement is that lost funds are, in all likelihood, unrecoverable. Blockchain transfers are irreversible by design: a transfer to a network the provider does not support, or to an address belonging to a different network, can be lost entirely, or need manual support recovery with no guarantee attached. That is not a warning about Zeal specifically. It is what sending crypto means.

The paths in, as far as they are documented: bank transfers, with EUR transfers handled by Monerium ehf and other transfers by Unblock LT UAB, and crypto transfers to the card Safe on the stated chains. Fees for those bank transfers are not stated, and neither is the network fee for a crypto top-up. Top-up fee and minimum are not stated either. An unofficial source adds that SEPA top-ups arrive in one to two business days, and that conversion, off-ramp and gas fees are 0% — while also noting that bridging via Ethereum still needs gas, which is consistent with the last line of the previous section and a good example of how the cheapest headline number never tells the whole story.

Getting money *out* is where the asymmetry shows. Earn balances in USD or EUR are withdrawable around the clock with no lockups. The card balance’s own withdrawal steps and fees are not stated, and Zeal does not say what happens to a balance if the card is closed — which, given section 7, is not a hypothetical question.

On the coins themselves, a word of background. Stablecoins aim to hold a steady value against a currency like the dollar, but despite the name they are not necessarily stable: TerraUSD collapsed in May 2022 and USDC briefly lost its peg in March 2023 during the US banking crisis. USDC’s stability rests on reserves in cash and cash equivalents, mostly in a SEC-registered government money market fund, with monthly attestations by a Big Four firm, and Circle lists it as natively supported on 38 networks as of 16 September 2026. Tether’s USDT has been issued on Ethereum, Tron, Solana, Polygon, Avalanche and others, with reserves intended to back it one-to-one; the BIS in July 2025 put roughly 90% of stablecoin market capitalisation in USDT and USDC together. One thing to keep in mind for any provider, including this one: Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity, so stablecoins are not censorship-proof.

Paying with it every day

This is the section where Zeal scores best, and the mechanics are straightforward.

You get a Visa card, issued by Monavate Limited, with Gnosis Pay Co Ltd named on the programme, offered as a virtual card and a physical one. The virtual card is for online use and can be added to Apple Pay. Zeal says physical cards are offered but does not state which countries they ship to, how long delivery takes, or at what cost; an unofficial source says physical shipping is free with no delivery time given, and an older page suggested ten days after shipping verification. Accounts run in EUR, USD and GBP at the Gnosis Pay level, with Earn accounts in USD or EUR.

Apple Pay is the everyday path and it is a well-built one. The card number is replaced by a device-specific account number held in the Secure Element, never on Apple’s servers, and every payment carries a one-time dynamic security code. Google Pay: Zeal does not state it; a third-party site says Google Pay is supported and that payments through it are not subject to the physical-card contactless limit. Blocked merchant categories are not stated by anyone.

The app is iPhone-only in practice: iOS 16.2 or later, Mac with M1+, Vision Pro. The App Store shows a UK rating of 4.5 out of 5 from 17 ratings, read on 2026-10-20, version 0.33.3 from 1 September. Seventeen ratings is a very small sample, and I would weight it accordingly — it is a signal, not a measurement. The Google Play rating was not read.

The cashback is the part people ask about first. Up to 4%, paid in GNO on Gnosis Chain, and you must hold GNO in the card Safe to qualify; the App Store also advertises up to 5% variable APY on EUR and USD balances. Zeal’s own pages cite 4% while reviews cite 5%, rates can change, and as of 2026-09-30 GNO cashback eligibility has ended — so read that 4% as a mechanism rather than as an offer you can still join. There is one product and no paid tiers: cashback rate depends on the GNO you hold, and that is the entire structure.

A few general card facts worth holding in mind, because they apply to any Visa in this category and explain ordinary disappointments. A declined authorisation can leave a hold on your funds for several days, typically up to seven. Address Verification compares the numeric parts of the billing address you typed — street number, ZIP — with issuer records, is mainly offered in the US, Canada and the UK, and is generally unavailable for foreign-issued cards, which can cause declines at checkout for no obvious reason. Some merchants simply decline prepaid or foreign BINs because the lookup reveals the card type and issuer country. 3-D Secure adds an identity check to online payments; Visa’s brand is Visa Secure, and under it liability for a fraudulent online payment can shift from the merchant to your bank. Online, you may be asked for a one-time code or a biometric prompt — that is the system working, not a sign something is wrong.

On disputes: zeal.app and the App Store say nothing about how disputes are handled. Zeal did reply on Trustpilot that card disputes take time. For reference, a chargeback is a refund ordered by the issuer with a reason code such as fraud, duplicate billing or goods not received; US debit card reversal rights come from Regulation E and credit card rights from Regulation Z, while prepaid-card coverage varies and should not be assumed. So if a disputed payment matters to you, do not assume the same protection a bank card would give you.

What can go wrong

I would read this section twice. The single largest risk is not a bad review or a slow support ticket — it is that the card programme underneath Zeal is closing.

The programme is ending. In September 2026, Gnosis Pay announced it will close its consumer card and web app at 23:59 UTC on 2026-12-20 and move to a business-to-business model. Cardholders received notice dated 2026-09-21, with other outlets reporting it on 2026-09-25. The stated plan: users move to partner apps for replacement cards, with MiniPay named; Safe funds stay accessible, and the web app remains in a limited form for withdrawals. One secondary report says Zeal has not confirmed its future plans, and Zeal’s own statement was not found — so I cannot tell you what Zeal becomes after that date, only what the issuer said it is doing.

Why should you care about how programme closures normally run? Because the pattern is predictable and it is worth planning for. Closures typically give a notice period, then stop spending and loading, then ask users to withdraw remaining balances. One 2026 closure reported by a secondary source ended new loads on 8 July and stopped spending on 8 August — a single unconfirmed source, but the shape of it is the standard shape. If the Safe itself remains yours, then the worst outcome is losing the card, not the money. If you have taken that risk on, make sure you know how to move funds out *before* you need to.

The cashback ended on 2026-09-30, the same month the closure notice went out. That is a strong hint about where the incentive structure was heading.

Complaints are thin in number and poor in substance. Trustpilot for zeal.app shows 3.5 out of 5 from 17 reviews — the page also displayed 3.7 when read. The issuer Gnosis Pay sits at 2.3 out of 5 from 38 reviews, with 58% one-star and slow or unanswered tickets. Reading the individual complaints, the pattern is: support requests unanswered for two weeks (a January 2026 one-star review, with Zeal apologising publicly), a scam transaction in a 2026 review with slow dispute handling, and App Store reviews mentioning problems moving balance to card and slow support. These are individual, unverified reports and no official incident was found. But the issuer’s number is the one that should give you pause, because the issuer is the party that answers when a card payment goes wrong.

Security has had a bad month. An ERC-1271 module exploit on 2026-06-01 affected Card Safes. And the self-custody model, which is the card’s main selling point, cuts both ways: control belongs to whoever holds the private key, and the recovery position is thin. A seed phrase — typically 12 to 24 words — is an unencrypted form of the private key, and anyone who obtains it can restore the wallet and spend the funds. Cryptocurrency transfers are typically irreversible, and a stolen key has no built-in recovery because the network cannot freeze or return anything. Custodial platforms have their own record of failure: Mt. Gox at roughly US$350 million reported stolen across 2011 to 2014, Coincheck at about US$400 million in 2018, and the Ronin Network bridge at US$625 million in 2022. Self-custody moves that counterparty risk to you rather than eliminating it.

What Zeal does say about its own safeguards is reassuring on its own terms: biometric passkey authentication, real-time transaction alerts, the ability to freeze the card in the app, a wallet audited with the security policy published on GitHub, Safety Checks and transaction previews. And Zeal is explicit about the flip side — deposits are not insured, and the app states that your principal is at risk. That is a sentence more product pages would benefit from printing.

Support is thin. The listed channels are Discord and X, with no email, no live chat and no stated hours. The site runs in English, French, German, Spanish and Italian; Russian is not offered, and the App Store listing is in English. If you do not read one of those five, your support path is a public chat channel — and the complaints above suggest that channel can go quiet for two weeks.

Regulation context, briefly. Zeal is self-custodial software, not a regulated firm. The App developer is grwth lbs ltd. Cards are managed by Gnosis Pay Co Ltd (UK company number 14919639), with Monavate Limited as issuer under a Visa Europe licence, an FCA-authorised e-money institution. In the EU, an e-money institution may issue e-money, payment cards and wallets but cannot lend. MiCA, the EU’s markets-in-crypto regulation, took legal effect in June 2023; its rules on asset-referenced and e-money tokens applied from 30 June 2024 and the remaining provider rules from 30 December 2024, with a transitional period letting existing providers continue only until 1 July 2026 or until they receive or are refused authorisation. ESMA keeps an interim register of authorised crypto-asset service providers that you can check. Note also that a card is a payment service regulated separately from the crypto side — a crypto card often depends on two licences, which is exactly why a card programme can close while the wallet survives.

Taxes. Each card payment funded from crypto may be its own taxable disposal, and this is where I will firmly stop, because this is not advice. As general background only: the IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss; for personal holdings the result is a capital gain or loss, short-term if held a year or less, measured in local fiat currency at the fair market value on the transaction date. What any of that means for you depends on where you live. Talk to a professional.

What to take instead

If the reasoning above has convinced you that Zeal’s specific structure — a closing issuer, self-custody, an unstated fee schedule — is not what you need, the alternatives below are not automatically better. They are better at different things, and I have kept the same questions in the same order so you can compare like with like.

MetaMask scores highest of the four, at 7.1, and its shape is different in ways that matter. Sign-up is open in 45 listed countries and territories — Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among them — with other regions on a waitlist, proof of residency required, and the explicit reassurance that ineligible regions limit sign-ups but not spending. Citizenship rules are not stated, and US and UK sign-ups were temporarily closed per the FAQ. The virtual card is free with no annual or maintenance fee; the metal card is $199 a year. Fees are described as a minimal per-transaction amount with the figure not stated on the pages read, no additional MetaMask fees, and no foreign transaction fee since the Mastercard rate is used. It spends directly from the connected wallet on Linea, Base, Monad and Solana, with mUSD, wETH, EURe, GBPe, USDC and USDT named. Cashback is 1% on Virtual and a headline 3% on Metal, though the footnote caps 3% at the first $10,000 spent and drops to 1% after, plus a $FLY bonus of 5X or 7X via the Blackbird dining app. Note what you give up: custody is on MetaMask’s side of the equation, not yours.

KAST also scores 6.1 — identical to Zeal, and for an interesting mix of reasons. Its eligibility rules are the strictest in the group: residence-based, with the country list shown only at the KYC screen and not published, and citizenship separately considered, since living in a supported country with an ID from a restricted region may still make you ineligible, dual citizens with an ID from a supported country may pass, only the account holder’s own ID is accepted, and a VPN does not bypass any of it. Its pricing is by far the most elaborate: Standard 0 USD, Premium 1,000 USD a year, Private 10,000 USD a year, billed annually upfront with no monthly option; extra virtual card 2 USD; Standard physical card 0 card fee plus 40 USD delivery; an inactivity fee of 1 USD a month after 12 months. Fees run unusually low — stablecoin top-up 0%, card spend in USD 0%, transaction fee 0%, Apple and Google Pay 0% — with a non-USD foreign exchange fee of 0.5% to 1.75% depending on your residence, transaction country and card programme, 0.10 USD on non-USD transactions under 25 USD, and 0.50 USD for a declined transaction. Cashback is 1.5% to 3% by tier on monthly spend caps of 2,000, 10,000 and 40,000 USD. One inconsistency to note: the app lists USDT, USDC, PYUSD and RLUSD, while the terms say acceptable tokens are currently USDT and USDC.

Rizon, at 6.7, is the most narrowly aimed. Services are intended for people who live in and are domiciled in the US or LATAM countries and may be restricted elsewhere — though the same page claims 122+ countries supported, which is worth holding loosely. It offers virtual, physical and soon-to-come metal Visa Platinum cards, with prices shown only as “check app”. Fees: deposit free, card spend in USD free, non-USD 1.7% plus $0.1, trading fee 1.7%, with an Emerald subscription from $5.59 a month that lowers the FX and trading figures to 1.02% and 0.85% respectively. Cashback is 2.5% on eligible purchases, redeemable from the cashback balance, with RizPoints on spending.

Where does that leave the comparison? If your problem is that the issuer is closing and you want the strongest footing, MetaMask has the highest score and the broadest published fee clarity. If your problem is cashback volume, KAST publishes the biggest numbers and the priciest tiers. If your problem is being in or domiciled in the Americas, Rizon is built for it. None of them publishes a complete fee schedule as cleanly as Zeal does publish its no-FX-fee point — and all of them share the same category risk that platforms and programmes fail.

Who I would recommend it to

After all of that, here is my honest read, in three buckets.

Take it if you already run a self-custody wallet, you think in EUR, USD or GBP stablecoins, you want the balance to stay in your own Safe rather than on someone’s platform, you mostly need a virtual card in Apple Pay for online spending, and you are comfortable with self-custody risk. The no-additional-FX-fee promise is real, the reach is wide, and the everyday mechanics are good. You should also be comfortable with the possibility that the card half disappears at the end of 2026 while the Safe does not.

Think hard before taking it if your spending is mostly cash withdrawals, if you need strong dispute handling, if you live outside the supported issuance countries, or if you are not ready to be your own security team. The ATM economics are unofficial, the disputes story is thin, the issuer’s own rating is 2.3, and the fee schedule is not published.

Skip it if you are in a restricted country, you need anonymity or to avoid identity verification, you want someone else’s problem to manage when a payment goes wrong, or you are looking for a card to last. On that last point I would be blunt: with the consumer programme closing on 2026-12-20 and Zeal’s own plans unconfirmed, this is not the card to build a long habit around today.

The name of the product is worth a word, too, since people ask. Zeal is self-custodial software built by grwth lbs ltd, and the app developer is listed under that name. It is not a bank. The card programme is run by Gnosis Pay Co Ltd and issued by Monavate Limited, an FCA-authorised e-money institution — which means your balance at the card level is e-money safeguarded in a way that is not the same as a bank deposit, and may not sit under a deposit guarantee scheme.

One last practical thought, offered as information rather than instruction. If you do hold anything here, the sensible thing is to know — before you need it — how you would move funds out of the Safe to somewhere you control. Safe funds are supposed to stay accessible through the closing web app in its limited form. Whether that is comfortable or not is your call, but it should be a decision you make in advance rather than a deadline you meet.

Frequently asked questions

What is the Zeal card?

Zeal is a self-custodial crypto wallet app that turns your own wallet balance into a Visa debit card. You hold the keys; the card spends stablecoin balances held in what Zeal calls the card Safe, in EUR, USD and GBP accounts. The app is built by grwth lbs ltd, while the card programme is run by Gnosis Pay Co Ltd and the card is issued by Monavate Limited, an FCA-authorised e-money institution. Zeal is not a bank and takes no custody of your crypto.

How does the Zeal card work?

Your money stays in your own Safe until you pay. When you tap, insert or add to Apple Pay, the transaction draws down the relevant stablecoin balance in the card Safe, and Visa converts if the merchant charges in another currency. Because Zeal is self-custodial, no bank or company can freeze or seize those funds — and, as Zeal states, your principal is at risk and lost funds are unlikely to be recoverable. Spending works in 150+ countries, though issuance depends on eligibility and regional availability.

Is Zeal a bank, and who owns it?

No. Zeal is software, not a bank. The developer is grwth lbs ltd. Cards are managed by Gnosis Pay Co Ltd, UK company number 14919639, and issued by Monavate Limited under a Visa Europe licence as an FCA-authorised e-money institution. E-money institutions can issue cards and wallets but cannot lend, and safeguarded e-money is not a bank deposit, so it should not be assumed to carry deposit guarantee coverage.

Which countries can I get and use the card in?

You can spend in 150+ countries, but getting the card is a separate question. The programme is live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, Philippines, Indonesia and Thailand, and Zeal’s app update notes added Mexico, Colombia and Bolivia. Unofficial lists conflict — one counts 36 countries available and 21 restricted, another describes it as unavailable in the US and much of Asia-Pacific — so check your own country on the order screen rather than trusting a list.

Does getting the card require KYC, and what documents?

Yes, Gnosis Pay’s onboarding includes KYC after you sign in with Ethereum, verified through Sumsub, and unofficial sources describe full identity and address verification with a government ID or passport plus proof of address issued within the previous three months. Zeal itself publishes no document list, no age requirement, no KYC tiers and no processing times — not stated on its public pages. Uploading documents does not guarantee approval.

Is the card free, and what will it cost me to use it?

Officially, Zeal publishes no amounts — no fee schedule on zeal.app or in the App Store. What is stated is that Zeal charges no additional foreign exchange fee and converts at the Visa wholesale rate. Unofficial sources say the card order and physical shipping are free with no monthly fee, replacement is 4.99, and the first five ATM withdrawals in a month are free before 2% applies, but an older page lists a purchase fee of EUR 30.23 including shipping.

Can I add the Zeal card to Apple Wallet?

Yes. Zeal’s virtual card is designed for online use and can be added to Apple Pay; the App Store listing requires iOS 16.2 or later, a Mac with M1+, or Vision Pro. Apple Pay replaces the card number with a device-specific account number held in the Secure Element and generates a new security code for each payment. Google Pay support is not stated by Zeal, though a third-party site reports it as supported.

How do I top up the card, and how do I get money out?

The card spends stablecoin balances held in the card Safe on Gnosis Chain and Celo, though Zeal does not name the exact coins accepted. Top-ups arrive either as bank transfers — EUR handled by Monerium ehf, others by Unblock LT UAB — or as crypto transfers to the Safe. Top-up fees, bank transfer fees and network gas are not stated. Earn balances in USD or EUR are withdrawable 24/7 without lockups; the card balance’s withdrawal fees were not stated.

Is Zeal safe, and what are the real risks?

The self-custody design means no third party can freeze your funds, but it also means key loss, phishing and bad transfer addresses are yours alone to manage, and crypto transfers are irreversible. Zeal lists passkey authentication, real-time alerts, in-app card freeze, an audited wallet, Safety Checks and transaction previews, and says deposits are not insured and your principal is at risk. Reviews mention an ERC-1271 module exploit on 2026-06-01 affecting Card Safes, and support is limited to Discord and X.

Is Zeal worth it, given Gnosis Pay is closing the consumer card?

That is the central question in 2026, and I would not treat Zeal as a long-term answer while it is unresolved. Gnosis Pay announced it will close its consumer card and web app at 23:59 UTC on 2026-12-20, directing users to partner apps such as MiniPay for a replacement, with Safe funds staying accessible and GNO cashback eligibility having ended on 2026-09-30. Zeal’s own plans were not confirmed publicly, so weigh the wallet you keep against the card you may lose.

Content created by the «cryptocardsranked» team