United Kingdom and European Economic Area (EEA)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- 0 issuance fee and 0 monthly fee; non-base currency spending enjoys an officially pledged 0% FX markup (settled at Visa benchmark rates); ATM withdrawals include monthly free allowances.
- Debit / Deduction Model
- A Passkey self-custodial smart contract wallet direct-debit Visa debit card: funds are safely self-custodied on personal on-chain accounts, with zero FX markup on card spending
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Must be a lawful resident of the United Kingdom or the European Economic Area (EEA), passing compliant in-app identity verification.
- Officially supported countries and regions
- United Kingdom and European Economic Area (EEA)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (virtual and physical cards; natively supports Apple Pay and Google Wallet)
- Issuer Arrangement / Payment Rails
- Issued by regulated UK and European financial partners under Visa license. The card BIN is not published, and this page does not speculate on it.
- Apple Pay / Google Pay
- Officially supports Apple Pay, enabling one-click addition to Apple Wallet.
- Overseas AI Subscriptions
- Standard European Visa debit card BIN, supporting common online subscription merchants.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Stablecoin balances on the card earn up to 5% APY, and everyday spending earns up to 4% cashback rewards.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Issued by regulated UK and European financial partners under Visa license. The card BIN is not published, and this page does not speculate on it.
- Apple Pay
- ✅ Explicitly stated in official materials: officially supports Apple Pay, enabling one-click addition to Apple Wallet.
- Google Pay
- ✅ Explicitly stated in official materials: supports Google Wallet tap-to-pay.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: standard European Visa debit card BIN, supporting common online subscription merchants.
Compatibility information for this card was verified on 2026-10-14 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 153 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Zeal: Digital Wallet & Card (grwth lbs ltd)
- Web Portal Support
- Mobile App Only — iOS/Android app; the Gnosis Pay card can also be managed via Gnosis Pay's own web dashboard.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Available in key international markets
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
EEA / UK Data Subject Rights
Zeal Privacy Policy (updated 2026-02-19) by growth lbs ltd. (UK company 12836993): grants access, rectification, erasure (right to be forgotten), restriction, portability, objection, marketing opt-out, and rights against automated profiling, with complaints to UK ICO; safeguards applied for transfers outside EEA; does not collect seed phrases or full private keys, using auth providers like Privy; 'GDPR' wording does not appear in body
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained as necessary to provide services and comply with legal, regulatory, tax, accounting, and reporting obligations; retained longer in disputes or litigation; on-chain transactions cannot be deleted
- App Store Privacy Label
- No tracking data; Linked to you: 0 categories; Not linked to you: 1 categories
- Google Play Data Safety
- Shared with 3rd parties: Financial info, Personal info, Photos and videos; Collects 4 categories; Deletion can be requested; Data not encrypted
- Account Deletion Flow
-
Privacy policy allows emailing legal@zeal.app to request personal data erasure (on-chain transaction records and balances cannot be deleted); wallet is a self-custodial smart contract account, and app deletion only removes local data; card KYC data is processed by Gnosis Pay; Google Play declares deletion can be requested
Verified on 2026-10-14. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Convergence of self-custody and zero-FX-loss daily spending
Zeal resolves the common pain point where self-custody users pay 2% intermediary exchange fees per swipe, boosting capital efficiency with 0% FX and 5% flexible APY. [1]
Frequently asked questions
Is Zeal Card self-custodial?
Yes, the account is built on smart contracts, with private keys co-signed and controlled by the user device's Passkey.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Zeal Visa Debit Card on X; search results may change over time.
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