Zeal Card
Zeal · Visa
Zeal is a self-custody, white-label Visa card built on Gnosis Pay, with 0% FX markup and up to 5% cashback in GNO tokens depending on how much GNO you hold (holding, not staking: 1% at 0.1 GNO up to 4% at 100 GNO, +1% with the OG Card NFT). Issuance costs ~€32; the service relies entirely on Gnosis Pay's infrastructure and on the GIP-131 cashback programme, funded by Gnosis through 30 June 2026 (pending renewal).
The clause
That 5% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | €32 |
| Annual fee | Free |
| Free ATM limit | €500/giorno |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 5% in GNO · Richiesto staking/holding del token |
| Chains | Gnosis Chain, Ethereum, Arbitrum, Base |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 6/10 |
| Supported countries | EEA · 20+ countries |
| Regulator | UK FCA; Central Bank of Iceland |
| Segment | B2C |
| MiCA / License status | EMI (partner Monavate); Electronic Money Institution (Monerium) MiCA (EURe/GBPe) |
Plans & pricing
Strengths
- Self-custody white-label on Gnosis Pay; 0% FX; up to 5% GNO cashback.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- ~€32 issuance cost; GNO cashback tied to holdings and the Gnosis programme (funded through 30 Jun 2026); depends on Gnosis Pay infrastructure.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (MiCA (EURe/GBPe)): reporting to authorities and freezes on order.
Verdict
The good rating rests on a regulated setup (MiCA on EURe/GBPe, FCA and Central Bank of Iceland oversight) and 0% FX markup, but from a protection standpoint the full reliance on Gnosis Pay infrastructure, an issuance cost of around 32 euros and the GNO holding required for benefits all weigh in (cashback funded by Gnosis through 30 Jun 2026, pending renewal). As with any self-custody card, key responsibility stays with the user.
For a crypto-native audience Zeal keeps the substance of Gnosis Pay: self-custody, on-chain settlement across Gnosis Chain, Ethereum, Arbitrum and Base, 0% markup and up to 5% cashback in GNO, with funds under your control. Holding GNO and full KYC are the compromises; being a Gnosis Pay-dependent white-label matters little in terms of actual autonomy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Zeal Card a safe card?
Zeal Card is a self-custody card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.
How much does Zeal Card cost?
The card has no annual fee. Issuance costs €32.2. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does Zeal Card offer cashback?
Yes: up to 5% cashback in GNO depending on how much GNO you hold (1% at 0.1 GNO, 2% at 1, 3% at 10, 4% at 100, +1% with the OG Card NFT). It's holding, not staking: you can sell anytime (your tier adjusts).
Is Zeal Card available in Italy?
Yes, Zeal Card is available in Italy.
Is Zeal Card custodial or self-custody?
Zeal Card uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.
Sources
- Official service page Plans & pricing · Regulatory framework · Cashback.valuta reward · Cashback.staking richiesto Data verified on Jun 13, 2026
- mattbullish.com Data verified on Jul 10, 2026
- spendnode.io ATM fees · Blockchain · On-chain settlement Data verified on Jul 10, 2026
- crunchbase.com Stock ticker · Stock listing · IPO date Data verified on Jun 14, 2026
Show 5 more sources
- find-and-update.company-information.service.gov.uk Legal name · Company type Data verified on Jun 14, 2026
- github.com Third-party audit · Bug bounty Data verified on Jun 14, 2026
- tracxn.com Latest funding round · Investors Data verified on Jun 14, 2026
- financemagnates.com Founders Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026