Provider at a glance
- Category
- Crypto Cards
- Entity
- Not verified
- Official website
- zeal.app
Independent rankingchecked How it works
Details
Scored 49 out of 100 under methodology 2026.10.18, from the evidence read in September 2026.
Zeal
Self-custodial wallet with a Visa card
Crypto Cards
#8 Overall
Ranked #8 of 9 crypto cards in the published ranking
49
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Zeal right for you?
Look elsewhere if these come first
- Cost abroad5/10 here; the category best is 8
- Card reliability5/10 here; Coinbase Card scores 6
- Named issuer6/10 here; Coinbase Card scores 7
- Tax on spending2/10 here; Coinbase Card scores 4
Not yet tested for your country. Markets it lists: Europe.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best crypto card shows where it lands for you.
What will Zeal cost you?
Not priced on this basis
- Payments per month
- 500
- Average payment
- $100
How safe is Zeal?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read September 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Zeal
Compare all 4- 6RedotPay Card6 points above · stronger on tax on spending (3 against 2)55
- 7Coinbase Card3 points above · stronger on tax on spending (4 against 2)52
- 9Plutus Card8 points below · weaker on named issuer (1 against 6)41
For your setup
Find out if Zeal fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Zeal lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best crypto cardNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Zeal ranks #8
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (14.8 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
335+5.286.08#6/9Loading evidence…
265+4.165.09#5/9Loading evidence…
216+4.036.09#4/9Loading evidence…
202+1.285.08#8/9Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−3behind Coinbase Card, #7
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 47–51 and stays #8
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Zeal’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
What does one swipe abroad actually cost me, and can I work that out before I sign up? 5 → 7 on its ladder · passes Coinbase Card+253#8 → #7
Will this card still work next month, and who has to fail for it to stop? 5 → 8 on its ladder · passes Coinbase Card+354#8 → #7
Whose licence is actually behind this card, and will they even tell me their name? 6 → 9 on its ladder · passes Coinbase Card+353#8 → #7
Does buying a coffee create a taxable disposal, and will they hand me the record? 2 → 5 on its ladder · passes Coinbase Card+353#8 → #7
Smallest climb: “What does one swipe abroad actually cost me, and can I work that out before I sign up?” 5 → 7 passes Coinbase Card, #7.
Strengths
0 from the score dataWhere it leads
No scored criterion is at or within one point of the category best, so no strength can be stated from the data.
Tradeoffs
4 from the score dataWhere it trails
Not for readers who put first
- What does one swipe abroad actually cost me, and can I work that out before I sign up? — 5/10 against a category best of 8/10
- Will this card still work next month, and who has to fail for it to stop? — 5/10 against a category best of 9/10
- Whose licence is actually behind this card, and will they even tell me their name? — 6/10 against a category best of 9/10
- Does buying a coffee create a taxable disposal, and will they hand me the record? — 2/10 against a category best of 8/10
Record watch-outs
- The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
Competitive position
Where Zeal leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#5 / 96.0 of 20 · best 12.0
Published criteria#7 / 911.1 of 30 · best 18.8
Friction#1 / 92.7 of 10 · constant here
Trust record#1 / 93.2 of 8 · constant here
Measured data#1 / 98.3 of 18 · constant here
Where Zeal leadsNo criterion in the top third of its pool.
Where it trails
- Does buying a coffee create a taxable disposal, and will they hand me the record?#8 / 9
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Coinbase Card#7 of 9 · score 52 · 3.0 points ahead
Zeal leads on
- What does one swipe abroad actually cost me, and can I work that out before I sign up?5 vs 4
Coinbase Card leads on
- Will this card still work next month, and who has to fail for it to stop?6 vs 5
- Whose licence is actually behind this card, and will they even tell me their name?7 vs 6
- Does buying a coffee create a taxable disposal, and will they hand me the record?4 vs 2
Largest single reason Coinbase Card is ahead: published criteria (+3.4 display points).Scenario cost: Coinbase Card has no verified pricing for this scenario.
RedotPay Card#6 of 9 · score 55 · 6.0 points ahead
Zeal leads on
- What does one swipe abroad actually cost me, and can I work that out before I sign up?5 vs 2
- Whose licence is actually behind this card, and will they even tell me their name?6 vs 2
RedotPay Card leads on
- Does buying a coffee create a taxable disposal, and will they hand me the record?3 vs 2
Largest single reason RedotPay Card is ahead: availability (+15.6 display points).Scenario cost: RedotPay Card has no verified pricing for this scenario.
Plutus Card#9 of 9 · score 41 · 8.0 points behind
Zeal leads on
- What does one swipe abroad actually cost me, and can I work that out before I sign up?5 vs 4
- Will this card still work next month, and who has to fail for it to stop?5 vs 1
- Whose licence is actually behind this card, and will they even tell me their name?6 vs 1
Plutus Card leads onNo scored criterion
Largest single reason Zeal is ahead: published criteria (+15.1 display points).Scenario cost: Plutus Card has no verified pricing for this scenario.
Against the leader
79 vs 49 · gap 30.0Why ether.fi Cash ranks above Zeal
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 30.0 to within rounding.
DimensionThisether.fi CashGap share
Availability · 23% weight6.012.0−15.6, worse
Published criteria · 35% weight11.116.6−14.3, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight · constant here8.38.3same
Published criterionThisether.fi CashPoints
What does one swipe abroad actually cost me, and can I work that out before I sign up? · w3358−3.17, worse
Will this card still work next month, and who has to fail for it to stop? · w2657−1.66, worse
Whose licence is actually behind this card, and will they even tell me their name? · w2164+1.34, better
Does buying a coffee create a taxable disposal, and will they hand me the record? · w2028−3.84, worse
Net4979−30.0
Your scenario
Zeal is not priced for this scenario
Percentage and fixed legs on each payment, for a year. Excludes chargebacks, FX markup and settlement fees priced separately. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Payments per month · your input500
Average payment · your input$100
Rate read from the provider’s published pricing ↗ on 28 September 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 9 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
9 of 9 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 September 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #8 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 September 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
What does one swipe abroad actually cost me, and can I work that out before I sign up?strength 5 · weight 33Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Will this card still work next month, and who has to fail for it to stop?strength 5 · weight 26Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Whose licence is actually behind this card, and will they even tell me their name?strength 6 · weight 21Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Does buying a coffee create a taxable disposal, and will they hand me the record?strength 2 · weight 20Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Regulatory failure: no licence where you are, or a forced market exit.Scored by Whose licence is actually behind this card, and will they even tell me their name? · 21% (Zeal 6/10)Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (Zeal 2/10)
- Exit failure (Zeal 5/10): you cannot get out at par, on time, or with what is yours.Scored by Will this card still work next month, and who has to fail for it to stop? · 26%
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Execution failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: What does one swipe abroad actually cost me, and can I work that out before I sign up? (33%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- From https://
www .zeal .app / (HTTP 200, fetched 28 September 2026), footnote 2 in the FOR CARD block, the closest thing Zeal publishes to a price for spending: "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." Headline on the same page: "Spend abroad with no exchange fees and up to 4% Cashback." and "Spend abroad at the Visa mid-market rate". Card acquisition, https:// www .zeal .app /learn /order-your-free-card (fetched 28 September 2026): "Order card for free". Cashback tier cost, https:// www .zeal .app /learn /gnosis-pay-explained (fetched 28 September 2026, dated 20 November 2025): "0.1 to 1 GNO (~€10-110): 0.5-1% cashback", "5.5 GNO (~€605): 2.5% cashback", "Currently, one GNO token costs around €100-110." ZEAL PUBLISHES NO FEE SCHEDULE, although its terms (https:// www .zeal .app /terms-and-conditions /, "Last updated: 19 February 2026") say "Fees applicable to the Services or any component of the Services, if any, shall be set forth at zeal.app and/or the Zeal Wallet mobile application." The ATM fee is delegated by link to https:// help .gnosispay .com /en /articles /8663251 -fees-and-limits, which still returned HTTP 404 on 28 September 2026.Zeal — official pricing page ↗ · 28 September 2026 - Prices published in
- USDZeal — official pricing page ↗ · 28 September 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- DISCRETIONARY TERMINATION, READ ON https://
www .zeal .app /terms-and-conditions / (loaded 17 August 2026, HTTP 200, 'Last updated: 19 February 2026'), clause 4: 'Our Services are evolving over time, we may temporarily or permanently change in any way, suspend or discontinue all or any part of the Services, at any time and without prior notice, and at our sole discretion. - Supported chains
- Not published
- Markets served
- europe
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- ZEAL PUBLISHES NO ELIGIBLE-COUNTRY LIST ANYWHERE, AND THE ONLY GEOGRAPHIC LANGUAGE IN ITS BINDING TERMS IS THE STANDARD SANCTIONS REPRESENTATION — NOT A MARKET RESTRICTION. From https://
www .zeal .app /terms-and-conditions / (loaded 17 August 2026, 'Last updated: 19 February 2026'), clause 5 Eligibility: '(ii) you must not be a resident of sanctioned jurisdictions according to any trade embargoes, UN Security Council Resolutions ("UNSCR") or HM Treasury's financial sanctions regime; and (iii) you must not be currently the subject of or subject to economic sanctions such as the United Nations Security Council Sanctions List, the list of specially designated nationals maintained by OFAC, the denied persons or entity list of the U.S. Department of Commerce or any similar list maintained by any other relevant sanctions authority.' And: 'You can only use our Services if permitted under the laws of your jurisdiction. For the avoidance of doubt, you may not use our Services if you are located in, or a citizen or resident of any state, country, territory or other jurisdiction where your use of our Services would be illegal or otherwise violate any applicable laws.' That is the generic OFAC/sanctions eligibility rule that applies everywhere; it is NOT a regional footprint and must not be read as one. The 'europe' classification is therefore INFERRED, not quoted, from three things Zeal does say: bank transfers run on a EUR SEPA rail — 'Euro bank transfers are processed by Monerium ehf (registered in Iceland No. 550512-1060)' and 'Receive SEPA bank transfers from anyone / Send EUR to any IBAN' (https:// www .zeal .app /gnosispay /, loaded 17 August 2026); the issuer's Visa licence is from 'VISA Europe Limited' (https:// www .zeal .app /, footnote 5); and the marketing names the audience as 'EU residents seeking better returns on cash savings' (https:// www .zeal .app /learn /gnosis-pay-explained, loaded 17 August 2026). The '150+ countries' and '80M+ merchants' figures are ACCEPTANCE footprint — where you can spend the card — not availability, and must never be recorded as a residency footprint. Which countries can actually be approved for a card could not be established.
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Zeal: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
12 methodology entries
- 28 September 2026Current verified snapshot · methodology 2026.10.18Score 49, #8 of 9. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.7Forty-one more products are offered only where their own quoted terms serve- fixed 141 country exclusions on 31 rows, each the name of a country the row's own quoted terms exclude: for example Mercuryo Hungary, China, Pakistan, Bangladesh, Chile, Colombia and Morocco; Gemini Custody the United Kingdom, Australia and the EU after its wind-down; Backed xStocks the US, Canada, the UK, Australia, Nigeria, the Philippines and Venezuela.
- changed Thirteen rows list the only countries their terms serve: Coins.ph the Philippines, Spritz bill pay, Brex, Unchained, WisdomTree, Franklin BENJI and AnchorWatch the United States (with its territories for AnchorWatch), PRYPCO Mint the UAE, N26 crypto seven EU countries, Gemini Tokenized Stocks the EU, XNET the US, Canada and the UK, Coldbit Steel and MetaMask Card the countries they list.
- changed Published (no-country) orders do not move. Country results change: in India six categories each lose one row (bill pay, cards, off-ramps, P2P, seed backup, tokenised real estate), and bill pay there has no row confirmed available, so it shows the published order marked as such; country pages list 23 fewer rows (24,357 to 24,334). The grounding test now matches full country names in any case, which shows seven earlier exclusions were quoted all along: the named debt of unquoted exclusions falls from 40 to 33 pairs.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
Methodology 2026.10.18, the same published run every visitor sees · receipt crypto_card:zeal_card:2026.10.18:63e40e0eb320
Are you Zeal? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.