Gnosis Pay vs Zeal Card
How does Gnosis Pay compare to Zeal Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Gnosis Pay · provisional, see how we rate
| Feature | Gnosis Pay | Zeal Card |
|---|---|---|
| Our score | 8.4/10 | 8.3/10 |
| Type | Debit | Debit |
| Networks | Visa | Visa |
| Rewards | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet | Up to 4% cashback (cashback managed by Gnosis Pay, paid in GNO on Gnosis Chain; requires holding GNO in the Gnosis Pay card Safe) |
| Annual fee | — | — |
| FX fee | — | No exchange fees; uses Visa mid-market rate |
| ATM fee | — | — |
| KYC | Full | Full |
| Custody | Self-custodial | Self-custodial |
| Supported coins | USDC, EURC (stablecoins) | EUR and USD stablecoins (EURe for EUR, sDAI for USD) |
| Availability | UK, EU (expanding) | 150+ countries |
| Apple / Google Pay | Yes | Yes |
Which should you choose?
When deciding between Gnosis Pay and the Zeal Card, it’s important to consider your priorities in a crypto debit card. Both cards share some similarities, such as being self-custodial and offering cashback rewards, but they have distinct features that cater to different user needs. Below, we break down which card might be the better fit for you based on key factors.
Choose Gnosis Pay if…
- You prioritize holding your own keys: Gnosis Pay offers a self-custodial experience with funds held in a user-controlled Safe Smart Account, meaning you have full control over your assets without relying on traditional banks or intermediaries.
- You want to use stablecoins: Gnosis Pay supports USDC and EURC (stablecoins) on Ethereum, Polygon, and Gnosis Chain, providing flexibility for users who prefer to transact with stable assets.
- You are based in the UK or EU: Gnosis Pay is currently available in these regions with plans for expansion, making it a suitable choice if you reside in these areas.
- You prefer a straightforward cashback structure: Gnosis Pay offers up to 5% cashback on eligible transactions, based on the amount of GNO held in your wallet, which might be simpler to understand and manage.
Choose Zeal Card if…
- You want broader global accessibility: The Zeal Card is available in over 150 countries, making it a better option for users outside the UK and EU.
- You are interested in higher potential returns: While both cards offer cashback, the Zeal Card also provides up to 4% cashback and claims a yield on balances of around 5-6% APY, which could be attractive if you are looking for additional ways to earn on your funds.
- You prefer using fiat stablecoins: The Zeal Card supports EUR and USD stablecoins (EURe for EUR, sDAI for USD), which might be more convenient if you primarily use these currencies.
- You value passkey/biometric security: The Zeal Card offers passkey/biometric security, eliminating the need for seed phrases and potentially providing a more user-friendly security experience.
- You want no FX fees: The Zeal Card uses the Visa mid-market rate with no exchange fees, which could be beneficial if you frequently travel or make international transactions.
Bottom line
Both Gnosis Pay and the Zeal Card offer unique advantages, and the best choice depends on your specific needs and preferences. If you value self-custody and stablecoin support, Gnosis Pay might be the better option. However, if you are looking for broader global accessibility, higher potential returns, and additional security features, the Zeal Card could be more suitable. For more detailed comparisons, visit our how we rate page.