# Zeal: Digital Wallet & Card — Earn 5%* APY, spend globally > High-yield digital wallet and Visa debit card for earning and global spending. (iPhone/iPad app by grwth lbs ltd.) - Source: https://appshunter.io/ios/app/zeal-digital-wallet-and-card/id6474893137 (this page in markdown: same URL + `.md`) - Developer: [grwth lbs ltd](https://appshunter.io/developer/1722737109) - Category: Finance, Lifestyle - Price: Free - Rating: 4.90/5 from 8 App Store ratings · 25 written reviews indexed - Age rating: 17+ - Requires: iOS 16.2 · 92 MB - Languages: American English - Released: 2024-07-22 - Data updated: 2026-09-02 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zeal-digital-wallet-and-card/id6474893137/reviews.md ## What is Zeal? Zeal is the digital wallet and Visa card for real life. Earn up to 5%* variable APY on your EUR and USD balances, then spend worldwide with 0% FX fees. One app for saving, paying and staying in full control of your money. Earn without lockups Get 5%* variable APY on EUR or USD balances with no minimum deposit and no lockups. Your yield accrues in real time, so your money keeps growing while staying available whenever you want to spend or withdraw it. Spend worldwide with Visa Order your Zeal Visa card and pay in 150+ countries without foreign exchange fees. Use your virtual card instantly for online purchases and add it to Apple Pay for fast contactless payments. You can also earn up to 4% cashback on eligible purchases. Security and control Only you control access to your money. Sign in with a biometric passkey instead of complicated passwords. If you change devices, you can recover access through encrypted backup. Get instant transaction alerts and freeze your card immediately if needed. Simple to use No previous experience needed. Sign up in minutes, complete verification quickly and open an account that earns yield. Your savings, card and everyday spending all live in one place. Audited and regulated Zeal’s security has been independently audited. Services are provided with licensed financial partners in the EU and UK. The card and bank transfers operate under local regulatory requirements. Disclaimer * APY is variable and may change. Visa card issuance depends on eligibility and regional availability. Terms apply. This is not a bank product or an insured product. ## Key features - Earn 5% APY on balance - Compounding interest every second - Visa debit card for worldwide spending - 0% foreign transaction fees - Up to 4% cashback on purchases - User-controlled wallet - Biometric security and VPN ## Recent user reviews (10 of 25) All indexed reviews: https://appshunter.io/ios/app/zeal-digital-wallet-and-card/id6474893137/reviews.md ### 5/5 — Great to use with Gnosis Pay *2026-02-14* Works great with gnosis pay card, very useful to track expenses and see cashback ### 1/5 — Hardly works - lots of issues with zero support *2026-01-26, version 0.24.1* App has A LOT of bugs, including bugs that make it impossible to transfer money from your balance into your Visa card. Imagine a banking app where the deposit button doesn’t work, and you have to keep sending the money in/out before you can even begin to try and spend it. Far from ideal, this sets a bad example for DeFi. ### 1/5 — Their support won’t reply for over a week *2025-12-11, version 0.22.1* Title says it all. Shiny things but broken fundamentals. Don’t trust your money to these people ### 1/5 — La app no funciona *2025-11-23, version 0.18.4* La app no permite abrirte cuenta, contactas a soporte y pasan días sin contestar, a día de hoy no ha contestado nadie ### 2/5 — Not so great anymore *2025-11-21, version 0.18.0* Fantastic wallet app, just missing dark mode. Please add dark mode and you I will change to a well-deserved 5***** rating. Edit: Having problems with the IBAN connection which was working fine before, but now nothing but errors. On top of that no one from support is addressing the issue and just completely ignoring my requests (several in community and support). So now I revise my rating to a lower rating for poor support from the Zeal team! ### 5/5 — Nuovo Modo di vivere il denaro! *2025-11-05, version 0.17.1* Grazie per avere creato un portafoglio che ci permette di essere totalmente proprietari dei nostri soldi: crypto o fiat che siano. TOP ### 4/5 — Ok *2025-10-27, version 0.16.14* Complexe au début. Mérites un tuto ### 5/5 — Amazing *2025-10-24, version 0.16.14* Excellent neobank experience on crypto rails. Very responsive support. ### 5/5 — Better than any bank *2025-09-11, version 0.16.1* No hidden cost, recommended ### 5/5 — Genuinely impressed *2025-07-16, version 0.15.14* Hands down the most polished Crypto app I have ever used. Onboarding is very easy, UX perfect, and it works really well. ## Frequently asked questions about Zeal ### What does Zeal do? Zeal is a digital wallet and Visa debit card that allows users to earn a high APY on their balance and spend worldwide with no foreign transaction fees. It offers features like daily compounding interest, cashback rewards, and robust security measures for managing your money. ### How can I earn money with Zeal? You can earn money by holding funds in your Zeal wallet, which offers a variable 5% APY that compounds every second. Additionally, you can earn up to 4% cashback on everyday purchases made with the Zeal Visa debit card. ### Is there a cost to use Zeal? Based on the provided information, the app is free to download and use. There are no hidden fees mentioned for spending or foreign transactions. A physical card may be optional. ### What are the security features of Zeal? Zeal prioritizes security with biometric passkeys (face or fingerprint ID), cloud backup for recovery, real-time transaction alerts, and the ability to instantly freeze or unfreeze your card. It also includes a built-in VPN and Privacy Shield to protect your online activity. ### Who is Zeal best suited for? Zeal is ideal for individuals who want to maximize their savings with a high APY, frequently travel or spend internationally, and prefer a secure, user-controlled digital wallet experience over traditional banking. ## Version history (last 5 releases) ### 0.33.3 — 2026-09-01 - Bug fixes and improvements ### 0.33.1 — 2026-06-03 - Bug fixes and improvements ### 0.32.2 — 2026-05-25 - Dark mode is now available in Settings - Chrome extension now opens in the browser side panel for a roomier wallet experience - Important mobile updates can now be prompted and installed directly in-app - Improved card spend limit handling for EUR, GBP, and USD card balances - Fixed mobile translation plural forms and reduced noisy OAuth timeout popups ### 0.32.0 — 2026-05-06 - Dark mode is now available in Settings - Chrome extension now opens in the browser side panel for a roomier wallet experience - Important mobile updates can now be prompted and installed directly in-app - Improved card spend limit handling for EUR, GBP, and USD card balances - Fixed mobile translation plural forms and reduced noisy OAuth timeout popups ### 0.31.0 — 2026-04-23 - Expanded Zeal Card support to Mexico, Colombia, and Bolivia - Improved dark mode styling across the app - Refined OpenClaw Agent setup and event handling - Improved bank transfer and card flows, including updated terms handling and cleaner fee summaries ## Apps similar to Zeal | App | Rating | Price | Category | | --- | --- | --- | --- | | [Neverless: Stocks & Crypto](https://appshunter.io/ios/app/neverless-stocks-and-crypto/id1659648196) | 4.8 (175) | Free | Finance | | [Aave: Save and Earn](https://appshunter.io/ios/app/aave-save-and-earn/id6754045087) | 4.6 (229) | Free | Finance | | [Vesseo: Your Global Wallet](https://appshunter.io/ios/app/vesseo-your-global-wallet/id1514223107) | 4.7 (46) | Free | Finance | | [COCA: Crypto Card & Wallet](https://appshunter.io/ios/app/coca-crypto-card-and-wallet/id1594165139) | 3.9 (34) | Free | Finance | | [Ready: Crypto & Card](https://appshunter.io/ios/app/ready-crypto-and-card/id1358741926) | 4.5 (2,316) | Free | Finance | | [Decaf Wallet](https://appshunter.io/ios/app/decaf-wallet/id1616564038) | 4.5 (84) | Free | Finance | ## Related topics [zeal](https://appshunter.io/ios/topics/zeal) · [wallets digital](https://appshunter.io/ios/topics/wallets-digital) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*