Zeal: Digital Wallet & Card

Zeal Wallet

About this app

Zeal is the first wallet for real life. Earn, save, and spend with one powerful app. Boost your savings with up to 5%* APY interest (compounding every second) and spend your money anywhere with a Visa debit card that charges 0% foreign exchange fees. Zeal combines a user-controlled wallet with everyday payments, so you stay in full control of your assets while enjoying modern financial conveniences.

Earn High-Yield Interest, No Lockups:
Earn 5%* APY on your EUR or USD balance effortlessly. No minimum deposit, no lock-in period, withdraw or spend anytime. Interest accrues in real time, compounding every second so your money is always growing.

Spend Worldwide with No Fees:
Get a Zeal Visa® Debit Card linked to your wallet and spend in 150+ countries with zero FX fees. Whether you are buying a coffee or shopping abroad, you get Visa’s fair exchange rates with no extra charges. Up to 4% cashback on purchases means you earn rewards as you spend. Use the virtual card instantly for online purchases, and add your card to Google Wallet for tap to pay convenience. Travel, shop, and live global without worrying about fees or conversions.

Secure Control and Privacy:
Zeal is user controlled. You hold access to your funds and stay in charge at all times. We replace clunky recovery steps with biometric passkey login for a secure and simple experience. If you switch devices, recover your wallet easily via your encrypted cloud account, no more losing funds if you lose your phone. The app provides real time transaction alerts and lets you freeze your card instantly if something looks wrong. Your data stays private with a built-in VPN and Privacy Shield. Every transaction is run through Safety Checks, such as previews and counterparty verification, to help catch scams or errors before you confirm.

Easy to Use, Built for Everyone:
No prior experience needed. Zeal’s interface is beginner friendly and straightforward. Sign up in seconds with a quick ID verification and biometric setup. There is no long recovery code to manage, and no lengthy setup. In just a few taps, you can open an interest-earning account (EUR or USD) and order your Visa card. The app is lightweight and fast, with 24/7 in app support if you have questions. Whether you are new to modern finance or a power user, Zeal makes it simple to grow and use your money.

Audited and Regulated for Trust:
Zeal’s security has been independently audited to help ensure funds are protected. Our payment and banking features are provided in partnership with fully licensed financial institutions (authorized Electronic Money Institutions in the EU and UK). This means your card and bank transfers are regulated and compliant with local laws. You get the transparency and freedom of a modern money app with the reliability of traditional finance. Note: user controlled funds are not covered by bank insurance, similar to how cash in your wallet is not insured. We provide tools to help you safeguard your assets.

All Your Money in One Place:
Zeal lets you manage multiple currencies side by side. Hold euros and dollars in one place. Earn, save, and spend without juggling multiple apps. Whether you are saving for a goal, traveling abroad, or just buying coffee, Zeal has you covered in one powerful app.

Ready to take charge? Join Zeal and unlock financial freedom with cutting edge technology and everyday usability. Download Zeal now and experience the wallet that pays you back. Manage your money smarter, and live life with Zeal.

Disclaimer:

* APY is variable and subject to change. Visa card issuance depends on eligibility and regional availability. Terms apply. This is not a bank or an insured product. Values may fluctuate and you could lose money.

(Visa® is a registered trademark of Visa International. Zeal’s card is issued by regulated financial partners. Terms and conditions apply.)

Ratings and reviews

I was able to sign up to get to my account, I got verified, I deposited some crypto into my account, I went to look into the virtual card, unfortunately I think as I'm from new Zealand, my account was a problem, I couldn't get the virtual visa debit card unfortunately. I had to withdraw the deposit, delete my account as well Definitely not great! It looked interesting to use for crypto! Uninstalling

I'd give 4 stars - but for weeks I've been witnessing a bug where a grey bar keeps flickering on the bottom of my screen. It's very annoying and it still hasn't been fixed.

I give this 4 stars because unlike other "wallets" this actually attempts to look and function like one opposed to just being yet another low-key casino app. That said, I'd like to see an option to sort transactions (incoming/outgoing) into categories, preferably with the option for custom categories + the ability to add notes to transactions. That would be a great improvement for starters!

What’s new

- Bug fixes and improvements