Zeal is a new generation European financial app that combines a secure self-custody wallet with a Visa card, Apple/Google Pay, and EU IBAN transfers. Unlike banks or exchanges, your money always stays under your control — no routine freezes or hidden conditions. You can earn up to 5% (variable, not guaranteed) on your balance while using the same account for everyday payments, online purchases, or transfers. With clear fees, fast onboarding, and a simple design, Zeal makes it easy to deposit, earn, and spend in one place.Key benefits:- Self-custody by default: you control your keys and funds- Earn & Spend in one balance: up to 5% (variable) yield- Full utility: Visa card + Apple/Google Pay + EU IBAN- Everyday ease: fast onboarding, transparent fees, no freezes- Trusted setup: European partners, security audits, clear rules
Zeal (zeal.app) has 23 customer reviews on Five Star Index, with an average rating of 3.9 out of 5.
Also known as
zeal.app
Website
zeal.app
Category
Banking & Money
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 61% of reviews.
Latest
Most recent review: July 2026.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
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modifico la recensione, alla fine dopo diversi mesi son riusciti a rimborsare la truffa a cui ero incappato subito segnalata. C'è voluto tempo, però apprezzo il fatto che non abbiano semplicemente chiuso il caso.
Response from ZealFeb 4, 2026
Hi, thank you for sharing your feedback and we’re truly sorry to hear about your experience.
We understand how frustrating it can be to deal with a scam transaction and a delayed resolution. While card disputes can involve external parties and take time, you should always be kept informed, and we’re sorry that this wasn’t the case here.
We’re also sorry to hear about the issue you encountered in the app and that you didn’t receive a response from support. This is not the experience we aim to provide.
We’d like to look into this further and help where possible. Please contact our support team again through the official channels or reply to your existing ticket so we can review your case in detail.
Thank you for your feedback. It helps us improve.
YJ
Yixiang Jordan X.
extremely poor customer service
I left enquiry to customer twice , and almost two weeks, no reply. Every time it shows answer within 4 days. This is such a terrible team. Avoid this app!
Response from ZealFeb 4, 2026
Hi, thank you for your feedback and we’re sorry to hear about your experience.
We understand how frustrating it is to wait for a response, especially when an expected timeframe is shown. This is not the level of service we aim to provide, and we apologize for the delay.
We’d like to look into what happened and help resolve your enquiry. Please reach out to our support team again through the official channels or reply to your existing request so we can review it as soon as possible.
Thank you for bringing this to our attention. Your feedback helps us improve.
OC
Oleg C.
Really disappointed. Funds stuck and no real support
Update:
Zeal has since confirmed that this was a known bug (“Aave Earn EUR → card flow”) and that it has now been fixed in a recent app version. I was eventually able to recover my funds, but only by manually accessing the Aave protocol myself, days before Zeal support replied.
While I appreciate that the issue was acknowledged and fixed, the support response came far too late and my in-app requests remained unanswered throughout. The product itself is solid, but customer support still needs major improvement. For that reason, I’m updating my rating to 3 stars, with the clear expectation that response times and communication improve significantly.
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I’m writing this with a lot of frustration and honestly some sadness, because I genuinely trusted Zeal Wallet. I’ve been using it for about a year and everything worked fine, until it suddenly didn’t.
On January 16th, I made a deposit from AAVE to my Gnosis Card, something I had done many times before without any problems. This time, the funds never arrived. Instead, they were moved into a section of the app called “DeFi – Aave V3 Lending.” From there, I can’t do anything with them.
I can’t withdraw.
I can’t exchange.
I can’t move the funds anywhere.
They’re just… stuck.
What makes this experience really upsetting is the lack of communication. I contacted Zeal support right away. The only response I received was a short message saying that “the developers are working on it.” Since then - crickets. No update, no explanation, no timeframe, despite several reminders.
When you use a wallet that talks about self-custody, you expect to at least have access to your own money, or at the very least clear communication when something goes wrong. Having your funds blocked with no visibility and no support is stressful and unsettling.
I didn’t expect perfection, but I did expect transparency and basic customer care. Unfortunately, this experience has seriously damaged my trust in Zeal. I hope they improve their support and take situations like this more seriously, because no user should feel powerless over their own funds.
Response from ZealFeb 4, 2026
Hi, thank you for the update and for sharing such detailed feedback.
We appreciate you acknowledging that the issue was identified and fixed, and we’re glad to hear you were ultimately able to recover your funds. The delay in our support response and the lack of communication during that time are not acceptable, and we’re sorry for the frustration this caused.
Your feedback on response times and in-app communication is taken seriously, and improving customer support is a clear priority for us as we continue to scale. We’re glad to hear you see value in the product itself, and we’ll keep working to ensure the support experience matches that quality.
Thank you again for your patience and for updating your review.
JX
Jordan X.
very slow customer service!
very slow customer service!
can't believe that in 2026, a customer service online would only promise to return message within 4 days! terrible avoid!
Response from ZealJan 19, 2026
Hello Jordan! We are very sorry that you have had such a bad experience with our customer support. If you would like to, please provide us with more information so we can help you out.
Thank you, and we apologize for the inconvenience.
AP
Anna P.
I started using it recently
I started using it recently. So far I enjoy its cashback percentage and how comfortable and intuitive the app is.
Response from ZealJan 15, 2026
Thank you for the kind words and feedback! We appreciate it!
VA
Vasilije
A wallet/app that suits all your needs
Great wallet, great card by GnosisPay, very good cashback and earn feature.
One of the best DeFi products out there.
Response from ZealJan 15, 2026
Thank you for the kind words and feedback! We appreciate it!
WW
Werner Weisker (TEL 09651 9.
Totalverlust kann drohen siehe kleingedruckte
In der Werbung kommt es nicht rüber aber auf der Webseite schreiben Sie es unterm Kleingedruckten wir sind nicht reguliert das Geld unterliegt Schwankungen der Ertrag unterliegt Schwankungen und man kann mit einem Totalverlustes Geldes rechnen das Schreiben sie selber auf ihrer Webseite in der Werbung wird das heruntergespielt durch die einfache Frage desjenigen da ist doch ein Haken an der Sache ja der Haken ist es ist woanders festgelegt und es kann ein durchaus ein Totalverlust geben Vorsicht bitte ich bin angelockt gewesen durch die Werbung. Zitat Geschäftsbedingungen:ZUR VERDIENUNG: Kapitalrisiko
¹ Die aktuelle jährliche Rendite (6 % p. a.) ist die in Echtzeit berechnete annualisierte Rendite. Sie ist nicht fix und unterliegt Marktschwankungen. Die Vermögenswerte befinden sich auf den dezentralen Finanzplattformen Sky und Aave , wo die Rendite in digitalen Währungen, den digitalen Versionen von USD (sDAI) und EUR (EURe), erwirtschaftet wird. Ihr Kapital ist gefährdet und Ihre Vermögenswerte sind nicht durch staatliche oder private Einlagensicherungssysteme geschützt. Sie tragen alle mit Ihren Einlagen verbundenen Risiken und können Ihr gesamtes Kapital verlieren.
AS
Anastasiia S.
Fast & innovative,
Fast & innovative,
But design UX/UI could be better
But it’s don’t impact on my passive yield, so it can be 🙌🏻
Thanks for solution!