Zeal Visa Debit Card Wind-Down: What to Switch To

Shutdown timeline

Newest event first. Each entry comes from this card’s change log or from verified official material; where several share a date, the one written as an event comes first.

1. 2026-12-20Service Termination

   Card services end by 2026-12-20, the same day as the Gnosis Pay termination

   Gnosis Pay’s official help centre states that “Zeal’s card services will be wound up by 20 December 2026” and advises users to move out or withdraw funds before that date. The date matches the shutdown for Gnosis Pay’s own consumer card and web app, which all lapse together at 23:59 UTC that day. The site has therefore reclassified Zeal from an active regional card to one winding down.

2. 2026-10-16Issuing relationship corrected

   Confirmed the card is issued by Monavate and managed by Gnosis Pay, and the cashback programme is Gnosis Pay’s too

   Zeal’s official terms state the card is issued by Monavate Limited under a VISA Europe licence and managed by Gnosis Pay Co Ltd, a UK-registered company, and that the cashback programme is run by Gnosis Pay and paid in GNO on Gnosis Chain. The site had recorded Zeal as a standalone card and missed this dependency; whether a product like this is safe depends on whether the issuer and operator underneath are withdrawing, not only on what the brand announces.

3. 2026-10-14New additions

   Zeal Visa Debit Card added to the directory: Passkey smart contract self-custody account with officially pledged 0% FX and 5% APY

   Next-gen Web3 smart wallet Zeal launched a self-custodial debit card built on seedless Passkey smart contract accounts. Stablecoins earn up to 5% APY, transactions enjoy 0% FX markup and up to 4% cashback, supporting Apple Pay.

Who is affected

These fields carry the card’s last published wording, to help you work out which category your account falls into. They do not mean these conditions are still open to new applicants.

Application regions

The UK and the European Economic Area (EEA); card services end by 23:59 UTC on 2026-12-20

Identity verification

Applicants must be legal residents of the UK or the European Economic Area (EEA) and pass identity checks in the app. The card is winding down: existing cardholders can keep using it until 2026-12-20, and the issuer has not said whether new applications are still accepted before that date.

Funding route

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

Fee wording

No issuance fee and no monthly fee; the issuer lists a 0% FX markup on non-base-currency spend, settled at the Visa reference rate, plus a free ATM allowance. The card and the Gnosis Pay web app stop working at 23:59 UTC on 2026-12-20, after which none of these terms apply.

Reward wording

Both the in-card stablecoin yield and the spend cashback come from the Gnosis Pay programme, with cashback paid in GNO on Gnosis Chain. Card services end on 2026-12-20; the issuer has published no separate end date for the cashback programme and has not said whether rewards carry over after migrating to a partner app.

The fee and reward fields preserve the card’s last published wording and do not mean those terms still apply. Current availability follows the official sources and verification date listed on the profile.

Comparable replacement cards

Replacement cards come from this site’s card directory, with closed and winding-down products excluded. The same funding route is preferred first, then cards a mainland China reader can apply for.

Replacements are listed in this site’s selection order; this is not a ranking or a recommendation. Each card’s fees, eligibility and rewards follow the official sources on its own profile. Confirm regional eligibility before comparing fees.

What to do next

Deadlines the issuer has given

The issuer has not published a deadline that is still in effect.

This site’s general checklist

The following is not an instruction from the issuer. It is this site’s general advice for any card being retired.

1. Stop topping up the card or its account, so the balance does not sit with a party that has stopped operating.
2. Move the balance back to a wallet or account you control before the service ends; the withdrawal route usually closes before the card itself does.
3. Go through every recurring charge tied to this card, especially AI and streaming subscriptions, and move them to the new card before cancelling the old one.
4. Keep the shutdown notice, withdrawal records and ticket numbers as evidence for any later claim or appeal.
5. Pick a backup card on a different network or from a different issuer, so a single channel failure does not take both down at once.