+£10
18 mins
Zable
£10 Free Cash•18 mins
£10 Free Cash
+£10What is Zable?
Zable is a credit-building app from Lendable. It offers a credit card designed to help build your credit score, plus free Equifax credit monitoring, spend tracking, and rent reporting.
Launched
2015
Customers
500k+
Google Play
4.8 (93k)
★★★★★★
Key Terms
Profit
+£10
Credit checkHard check
DepositNone
Make a purchase
1
No min value
Free cash£10
Free cash arrives6 days
Step by Step Guide
Chris's overview
Optional·1 min read
Zable is a credit-builder card that doubles as a handy financial PA. It tracks your spending, monitors your credit score, and even reports your rent payments to help build credit. Like having a financial advisor who works for free and never judges you for that 3am Deliveroo order.
You'll get £10 free credit for applying for the Zable credit card and making your first purchase. Important: you need to wait for your physical card to arrive and use that - the virtual card won't qualify for the bonus.
I've applied for and received my Zable card myself. Beyond the free tenner, you get a free Equifax credit score and the app tracks all your spending. It's a credit card so make sure to pay off the balance in full each month - if you use it responsibly, you pay no fees or interest. Check out the full review below for more details.
1
Sign up and apply for the credit card
8 mins
- Use the referral link below to sign up via the Zable website
- Select the Zable credit card option
- Complete the application and verification
A hard credit check is performed when you apply for the card.
2
Link bank and order physical card
5 mins
- Link a bank account
- Order your physical Zable card
3
Make a purchase with your physical card5d
3 mins
Wait for card to arrive (usually 3-5 working days)
- Use your physical Zable card for any purchase
- Chris's tip: buy a £10 Amazon gift card - your bonus will pay it off exactly
You must use the physical card - the virtual card does NOT qualify for the bonus.
4
Receive £10 cash24h
2 mins
£10 credited within 24 hours of your first physical card purchase
- Your £10 bonus nets off against your spend from Step 3
- Use any remaining credit on your next purchase
Remember to pay off your balance in full if your next purchase is greater than your remaining bonus
Offer Complete
Done? Tick off each step above to see your total.
Zable Full Review
Completed the offer? Awesome! Here's our full review on why Zable could work well for you going forward.
Zable is a credit-building and financial management app from Lendable, one of the UK's leading fintech lenders. Originally launched as a credit card offering, Zable has evolved into a comprehensive money management tool that helps users track spending, monitor their credit score, and even build credit through rent reporting. With nearly 300,000 app reviews and consistently high ratings, Zable has established itself as a trusted name in the credit-building space.
Is Zable safe?
Yes, Zable is fully regulated and safe to use. The app is a trading name of Lendable Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 807605. Lendable has been operating since 2014 and has lent over £4 billion to UK consumers.
Zable uses bank-grade security including biometric login, encrypted data transmission, and secure Open Banking connections for account linking. Your financial data is only used to provide you with insights and is never shared without your consent.
Who is Zable for?
Zable is ideal for anyone looking to understand and improve their credit score. It's particularly useful if you're:
- Building credit for the first time (students, young professionals) - Recovering from past credit issues - A renter who wants their payments to count towards credit history - Curious about where your money goes each month
If you already have excellent credit and don't need spending insights, Zable's core features may be less relevant to you. But even then, the free credit score monitoring is genuinely useful.
Top 5 Zable Features
1
Free Equifax credit score
Check your credit score anytime without affecting it. Zable shows your Equifax score along with insights into what's helping or hurting your rating.
2
Rent reporting
Report your rent payments to credit bureaus for free. This can help build your credit history if you're a renter who pays on time - something that traditionally hasn't counted towards your score.
3
Spend tracking
Link your bank accounts via Open Banking to see all your spending in one place. Transactions are automatically categorised so you can spot patterns and cut unnecessary costs.
4
Credit-builder card
Zable offers a credit card designed for building credit. Use it responsibly and your positive payment history gets reported to credit agencies, gradually improving your score.
5
Daily spending updates
Get daily notifications about your spending across all linked accounts. It's a simple way to stay on top of your finances without manually checking multiple apps.
Pros and Cons
Pros
- ✓Free credit score from Equifax with no impact on your rating
- ✓Rent reporting helps renters build credit history
- ✓Clean, intuitive app with high ratings on both stores
- ✓Spend tracking across all your linked accounts
- ✓FCA regulated with strong security
Cons
- ✗Credit card requires approval (not guaranteed)
- ✗Some features require linking bank accounts
- ✗No savings or banking features - purely credit and spending focused
- ✗Rent reporting requires landlord verification
Chris's Verdict
Zable does something genuinely useful that most banking apps don't - it helps you understand and build your credit score. The free Equifax score is handy, but the rent reporting feature is the real standout. If you're a renter who pays on time, you can finally get credit for it (literally).
The spend tracking is solid too, giving you a single view of money across all your accounts. With nearly 300,000 reviews and ratings above 4.8 on both app stores, Zable has clearly found an audience who find it valuable. It's not trying to be your main bank - it's a specialist tool for credit building and spending awareness, and it does both well.
