Earn EUR or USD, while doing the more important things in life.
Earn every seccond
All your assets in one place, where you are in full control. No banks, no middlemen.
Self-custodial
Spend abroad with no exchange fees and up to 4% Cashback.
Spend in 150+ countries
Earn with
no lockups or limits
Withdraw 24/7, or spend instantly
Compounds every second in USD or EUR¹
0% historical losses
Learn more >
Spend without FX fees in 150+ countries
Spend abroad at the Visa mid-market rate²
Virtual and physical cards
Get up to 4% Cashback³
Learn more >
Regulated bank transfers and cards
Regulated bank transfers processed by Monerium ehf, an authorised EMI and Virtual Asset Service Provider, regulated by the Central Bank of Iceland.⁴
Regulated Debit cards issued by Monavate Limited together with Gnosis Pay Co Ltd. Licensed by VISA Europe and regulated by the Financial Conduct Authority as an EMI.⁵
Zeal is a self-custodial software and as such is NOT regulated in any jurisdiction.
Reviews
Massimo
"the end game for stablecoin payments"
Felix
"This is one of the ways I am onboarding my non web3 friends. They're gobsmacked when they see @zealwallet and @gnosispay together in action.."
newyorkerreader
"Works great with Gnosis Pay. Actually better than the Gnosis Pay app! Well done. Great interface, snappy and nice looking!"
rebelVegans
"Best self-custodial crypto bank by far."
Fred
"Really easy to use, supports a wide range of networks and incorporates all the cutting edge features you would expect in the best self-custodial wallet"
easaaa
"Fantastic!!!! There is nothing better"
DeFi Warhol
"My Crypto Cards Tier S: @gnosispay: Fully self-custodial Visa card with near-zero fees, seamless @zealwallet integration, and up to 5% cashback in $GNO. One of the best options for European users."
Yury_02
"Next gen banking app. Zeal is the futur of finance"
Linuxcity
"A must have for Gnosis Pay card. I have been using gnosis pay card with their Web UI for a while before someone recommended Zeal in discord."
Allions
"App and exceptional service. Finally a functional service and really great integration with Gnosis Pay. Compliments!"
Marc Zeller
"I do 99% of my spending with the card...I have 5% cashback and I'm a user since almost day one"
PizzaPeppino
"Best wallet. I never leave a review but this wallet is just so good. If you want mainstream to join and become bankless then this is the wallet to do it."
Malek
"great UX and awesome service :)"
Shum379
"One of the most, if not the most, user-friendly DeFi-native wallets on the market."
19Harding98
"Zeal is killing it with their wallet. The integration with unblock and GnosisPay is a game changer."
Maria
"So far the communication with the support team is quick and efficient. I also enjoy having the possibility of a cash back while spending."
Mikkel
Best app ever for crypto!
Ghassan
"very good wallet, on pair or better then metamask, and you can use the gnosis pay card directly intergrated in here aswell."
Caron
"Awesome experience with the gnosis pay integration"
David
"The best crypto wallet I've used. Gnosis Pay integration is very smooth, and lots of other great features"
Marc Zeller
"My idle EUR is comfortably earning 4% on Aave via @zealwallet. When I want to spend it, I have my Gnosis Pay card earning cashback. I use my TradFi account less and less. DeFi is simply superior. Just use Aave."
Stanislav
"All my on-chain stuff just in my pocket, together with stuff custodial card! That's great"
Bogdan
"gud app much OP tradfi in shambles"
Raphael.bzh
"Genuinely impressed. Hands down the most polished Crypto app I have ever used. Onboarding is very easy, UX perfect, and it works really well."
Jeremy
"best app wallet to manage your gnosis pay card, developers keep updating and improving the app over time, I highly recommend it as first step in Defi!"
dcbuilder.eth
"I love @gnosispay! Huge congrats @koeppelmann and friends"
Fabian
"Great app, especially in connection with a gnosis pay card! Seamless integration."
Je l'aurai un jour!!
"Amazing app !! I am still exploring some features but from far the best mobile wallet I have ever used 😊"
Rosco Kalis
"Replying to @lemiscate @gnosispay and @zealwallet. Finally we have cashback on card payments in Europe. Always felt like such a big hack when Americans told me about it. I'm happy that it was driven by crypto rather than legacy financial institutions."
Li-Lou
"The app was stunning and great to use! I got so much money back!
Osvaldo
"My favorite Crypto Card is definitely @gnosispay. Every week Cashback rewards arrive and you can use your $GNO as you want! For example I used them to top up my Card and through the @zealwallet swap function it's a breeze. I highly recommend this Crypto Card for monetize your usually purchase in Digital and Physical shops. I already recovered my investment of Stake"
luishxyz
"good wallet, best interface for the gnosis ... super happy"
fameal
"Great experience. Everything works smoothly. I love that I can have my assets earning and it will auto rebalance so I can also spend them."
Turebronx
"Top. Useful and convenient function"
Jonas
"Impressed with the @zealwallet. For the first time, there really is a web3 alternative for a traditional bank account with all the functionality you need to run your personal finances."
Crypto Bloke
"Feedback of more than 6 month use of Zeal smart account wallet. Very satisfied with the defi integration and features provided with the use of a Gnosis Pay Visa card. auto recharge of card from 2 different yield (Sky USD and Aave Eure) i use the app on a daily basis to manage spending and crypto trading at a beginner level very convenient to use. the Zeal team is dedicated to build what users features requests. this product is great.try it and you will never use MM again afterward"
Marc Zeller
"Damn I love my @gnosispay card powered by @zealwallet."
Paul
"Great wallet to use with my Gnosis VISA card. makes managing my spending on mobile soooo easy!"
rebelVegans
"Best self-custodial crypto bank by far."
Felix
"This is one of the ways I am onboarding my non web3 friends. They're gobsmacked when they see @zealwallet and @gnosispay together in action.."
Stanislav
"All my on-chain stuff just in my pocket, together with stuff custodial card! That's great"
Maria
"So far the communication with the support team is quick and efficient. I also enjoy having the possibility of a cash back while spending."
Fabian
"Great app, especially in connection with a gnosis pay card! Seamless integration."
Shum379
"One of the most, if not the most, user-friendly DeFi-native wallets on the market."
Marc Zeller
"I do 99% of my spending with the card...I have 5% cashback and I'm a user since almost day one"
Rosco Kalis
"Replying to @lemiscate @gnosispay and @zealwallet. Finally we have cashback on card payments in Europe. Always felt like such a big hack when Americans told me about it. I'm happy that it was driven by crypto rather than legacy financial institutions."
Li-Lou
"The app was stunning and great to use! I got so much money back!
Mikkel
Best app ever for crypto!
Fred
"Really easy to use, supports a wide range of networks and incorporates all the cutting edge features you would expect in the best self-custodial wallet"
Yury_02
"Next gen banking app. Zeal is the futur of finance"
Massimo
"the end game for stablecoin payments"
easaaa
"Fantastic!!!! There is nothing better"
Bogdan
"gud app much OP tradfi in shambles"
fameal
"Great experience. Everything works smoothly. I love that I can have my assets earning and it will auto rebalance so I can also spend them."
Allions
"App and exceptional service. Finally a functional service and really great integration with Gnosis Pay. Compliments!"
Caron
"Awesome experience with the gnosis pay integration"
DeFi Warhol
"My Crypto Cards Tier S: @gnosispay: Fully self-custodial Visa card with near-zero fees, seamless @zealwallet integration, and up to 5% cashback in $GNO. One of the best options for European users."
Linuxcity
"A must have for Gnosis Pay card. I have been using gnosis pay card with their Web UI for a while before someone recommended Zeal in discord."
Paul
"Great wallet to use with my Gnosis VISA card. makes managing my spending on mobile soooo easy!"
Jonas
"Impressed with the @zealwallet. For the first time, there really is a web3 alternative for a traditional bank account with all the functionality you need to run your personal finances."
dcbuilder.eth
"I love @gnosispay! Huge congrats @koeppelmann and friends"
newyorkerreader
"Works great with Gnosis Pay. Actually better than the Gnosis Pay app! Well done. Great interface, snappy and nice looking!"
Raphael.bzh
"Genuinely impressed. Hands down the most polished Crypto app I have ever used. Onboarding is very easy, UX perfect, and it works really well."
Osvaldo
"My favorite Crypto Card is definitely @gnosispay. Every week Cashback rewards arrive and you can use your $GNO as you want! For example I used them to top up my Card and through the @zealwallet swap function it's a breeze. I highly recommend this Crypto Card for monetize your usually purchase in Digital and Physical shops. I already recovered my investment of Stake"
Marc Zeller
"My idle EUR is comfortably earning 4% on Aave via @zealwallet. When I want to spend it, I have my Gnosis Pay card earning cashback. I use my TradFi account less and less. DeFi is simply superior. Just use Aave."
Je l'aurai un jour!!
"Amazing app !! I am still exploring some features but from far the best mobile wallet I have ever used 😊"
Crypto Bloke
"Feedback of more than 6 month use of Zeal smart account wallet. Very satisfied with the defi integration and features provided with the use of a Gnosis Pay Visa card. auto recharge of card from 2 different yield (Sky USD and Aave Eure) i use the app on a daily basis to manage spending and crypto trading at a beginner level very convenient to use. the Zeal team is dedicated to build what users features requests. this product is great.try it and you will never use MM again afterward"
David
"The best crypto wallet I've used. Gnosis Pay integration is very smooth, and lots of other great features"
Malek
"great UX and awesome service :)"
Marc Zeller
"Damn I love my @gnosispay card powered by @zealwallet."
PizzaPeppino
"Best wallet. I never leave a review but this wallet is just so good. If you want mainstream to join and become bankless then this is the wallet to do it."
luishxyz
"good wallet, best interface for the gnosis ... super happy"
Turebronx
"Top. Useful and convenient function"
Jeremy
"best app wallet to manage your gnosis pay card, developers keep updating and improving the app over time, I highly recommend it as first step in Defi!"
Ghassan
"very good wallet, on pair or better then metamask, and you can use the gnosis pay card directly intergrated in here aswell."
19Harding98
"Zeal is killing it with their wallet. The integration with unblock and GnosisPay is a game changer."
The Freedom and Responsibility of Cash
More private than your private bank. Digital cash is self-custodied like real cash. Your assets stay fully under your control. No bank or company can freeze or seize your money.
Self-custodied assets are NOT protected like a bank account. Just as with cash in your wallet, keeping it safe is your responsibility. If you lose funds, it's likely they cannot be recovered.
Relentless security so you have peace of mind
Real-time alerts for transactions
Secured with Biometric Passkeys, stronger than passwords
Freeze your card, stop suspicious activity
FOR EARN: Capital at risk
¹ The current annual yield (6% APY) is the real-time annualized rate of earning right now. It is not fixed and will change with market circumstances. Assets are in decentralized finance platforms Sky and Aave where yield is earned in digital currency versions of USD (sDAI) and EUR (EURe). Your principal is at risk, and your assets are not protected by any government or private deposit insurance schemes. You assume all risks associated with your deposits and you may lose your entire principal.
FOR CARD:
⁵ Cards are managed by Gnosis Pay Co Ltd, a UK registered Company (No. 14919639). The Gnosis Pay Debit Card is issued by Monavate Limited pursuant to licence by VISA Europe Limited. Monavate Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 901097).
² When spending in another currency with the Gnosis Pay card, Visa's wholesale foreign exchange rate is used, which is a very competitive exchange rate. The rate is subject to change and will fluctuate. Zeal does not charge any additional foreign exchange fees. Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation. To see the current Visa exchange rate, use the Visa Currency Converter Calculator.
³ The cashback program is managed by Gnosis Pay. Rewards are paid in GNO, a digital currency, on the Gnosis Chain. To be eligible for cashback, you must hold GNO in your Gnosis Pay card Safe. The amount of cashback you earn is determined by the amount of GNO you hold. Cashback rates are subject to change and may vary by program. For full details, please refer to the Gnosis Pay documentation.
FOR BANK TRANSFERS:
⁴ Euro bank transfers are processed by Monerium ehf (registered in Iceland No. 550512-1060). Monerium ehf. is authorised as an Electronic Money Institution and as a Virtual Asset Service Provider by the Financial Supervisory Authority of the Central Bank of Iceland under Act No. 17/2013 governing the issuance of electronic money and Act No. 18/2018 governing measures for countering money laundering. Other bank transfers are processed by Unblock LT UAB, a company registered in Lithuania with registration number 306159788. We are registered and authorised by the FNTT to provide VASP exchange and custody services. Our registered office is located at Prienų r. sav., Balbieriškis, Klevų g. 25-22.
¹ The current annual yield (6% APY) is the real-time annualized rate of earning right now. It is not fixed and will change with market circumstances. Assets are in decentralized finance platforms Sky and Aave where yield is earned in digital currency versions of USD (sDAI) and EUR (EURe). Your principal is at risk, and your assets are not protected by any government or private deposit insurance schemes. You assume all risks associated with your deposits and you may lose your entire principal.
FOR CARD:
⁵ Cards are managed by Gnosis Pay Co Ltd, a UK registered Company (No. 14919639). The Gnosis Pay Debit Card is issued by Monavate Limited pursuant to licence by VISA Europe Limited. Monavate Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 901097).
² When spending in another currency with the Gnosis Pay card, Visa's wholesale foreign exchange rate is used, which is a very competitive exchange rate. The rate is subject to change and will fluctuate. Zeal does not charge any additional foreign exchange fees. Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation. To see the current Visa exchange rate, use the Visa Currency Converter Calculator.
³ The cashback program is managed by Gnosis Pay. Rewards are paid in GNO, a digital currency, on the Gnosis Chain. To be eligible for cashback, you must hold GNO in your Gnosis Pay card Safe. The amount of cashback you earn is determined by the amount of GNO you hold. Cashback rates are subject to change and may vary by program. For full details, please refer to the Gnosis Pay documentation.
FOR BANK TRANSFERS:
⁴ Euro bank transfers are processed by Monerium ehf (registered in Iceland No. 550512-1060). Monerium ehf. is authorised as an Electronic Money Institution and as a Virtual Asset Service Provider by the Financial Supervisory Authority of the Central Bank of Iceland under Act No. 17/2013 governing the issuance of electronic money and Act No. 18/2018 governing measures for countering money laundering. Other bank transfers are processed by Unblock LT UAB, a company registered in Lithuania with registration number 306159788. We are registered and authorised by the FNTT to provide VASP exchange and custody services. Our registered office is located at Prienų r. sav., Balbieriškis, Klevų g. 25-22.
