Your Step-by-Step Guide to Gero Card, Cardano's Crypto Card

The Gero Card is a Cardano card on Mastercard that you order, top up and manage inside GeroWallet. You top it up with ADA, and you spend it online, in stores and at ATMs wherever Mastercard is accepted. The way you sign up changed in GeroWallet 2.7.2, when Zione became the card provider. This guide walks through the current flow from start to finish.

What you need before you start

You need three things. The GeroWallet browser extension, a Cardano wallet on mainnet with some ADA in it, and an ID document for the identity check. The card lives in the full dashboard of the browser extension. It is not in the iOS app, so do this on your computer.

The card is available worldwide, and physical cards ship worldwide.

Getting your Gero Card

Step 1: Install GeroWallet. Install GeroWallet for Chrome, Brave or Edge. Create a new wallet or restore one you already have. If you used the old Gero Dashboard, this is the same extension under its current name.

Step 2: Open the Card tab. Open the full wallet view, make sure you are on Cardano mainnet, and choose Card in the menu.

Step 3: Create your card account with Zione. Zione is the card provider. You sign up with them right inside the wallet, so there is no separate site to visit and no extra login to juggle.

Step 4: Pass the identity checks. Card providers have to verify who you are. You confirm your identity with an ID document and a face scan. This check is for the card only. Using GeroWallet itself needs no KYC.

Step 5: Order a virtual or physical card. Pick a virtual card, or a physical card that comes with a virtual one. A virtual card is enough for paying online. Physical delivery has a shipping fee, which you pay in ADA from the wallet.

Step 6: Activate a physical card. When your physical card arrives, activate it from the Card tab in GeroWallet. Until then you can use the virtual card that came with it.

Topping up with ADA

Top ups happen in the Card tab. Choose an amount of ADA, at least 2 ADA, and confirm. The ADA converts to euros and lands on your card balance. ADA is the only top up currency.

Your ADA stays in your non-custodial wallet, under your own keys, until you top up. Once you top up, that balance is held by the card programme so you can spend it. A simple habit helps here: top up only what you plan to spend, and keep the rest in your wallet.

Can I top up with cashback I earned?

Yes. The card has no cashback of its own, but GeroWallet has ADA cashback through Bring. You can earn ADA with Bring cashback, top up the card with it, and spend it.

Spending your ADA

Pay online, in stores and at ATMs wherever Mastercard is accepted. Your balance is kept in euros behind the scenes and converts automatically when you pay in another currency. Nothing changes at the checkout. You pay the way you would with any other Mastercard.

Managing your card

Everything is handled from the Card tab in the GeroWallet extension:

• Activate a physical card when it arrives.
• Change your PIN whenever you like.
• Block and unblock the card in a click if you misplace it.
• Export transactions to CSV for your own records.

What the Gero Card costs

There are zero fees until May 1st, 2027. That means 0% on ADA to euro conversions and spending, and no monthly or issuance fees.

After that date the standard fees apply. Some examples: €3 to issue the card, €3 a month for a physical or virtual card, and 1.5% per ADA to EUR top up. ATM withdrawals cost €1.50 in the EU and 2% + €2 elsewhere. The full table is on the Gero Card fees section.

Do $GERO holders pay less?

Yes, from May 1st, 2027. Your tier is detected automatically from the $GERO you hold in your wallet. There is nothing to stake or lock.

• Baby Gero (€15 worth of $GERO): free ATM withdrawals and no monthly fee.
• Gero Pro (€50 worth): Baby Gero benefits plus all EU and international purchase fees waived.
• Gerobanga! (€200 worth): all fees waived.

You can read more about the token on the $GERO page.

Who provides the card

The card programme is provided by Digi Ex Pro (Pty) Ltd, trading as Zione, an authorised financial services provider regulated by the FSCA in South Africa (FSP 53786). GeroWallet is the wallet you order, top up and manage the card from. Zione took over as provider in GeroWallet 2.7.2, which is why the older sign up steps you may have seen no longer apply.

Is the Gero Card in the mobile app?

No. The card is managed in the GeroWallet browser extension on Cardano mainnet.

Get your Gero Card

Ready to spend your ADA anywhere? Install GeroWallet, open the Card tab and order your Gero Card. Zero fees until May 1st, 2027.