For me, Zable earns its place if you're in any way active about your credit score. The free Equifax check is the obvious draw, but the rent reporting is what makes it interesting. If you're a renter paying on time every month, getting that to count towards your credit history is the kind of thing that should have existed in the UK years ago, and Zable is one of very few apps that actually do it.

The credit card itself is squarely a credit-builder card rather than a rewards card. At 29.9% APR you don't want to carry a balance on it, but used as intended (small spend, paid in full each month, repeat) it does what it says. The spend tracking is solid too, and stitching Open Banking, rent, and a credit card into one app means you're not bouncing between four tools to see one picture.

With over two million customers across the Zable superapp, a 5-star Trustpilot rating across roughly 50,000 reviews, and consistently strong app store scores, Zable has clearly found an audience that finds it valuable. It isn't trying to be your main bank, and that's the point: it's a specialist credit-and-spending app, and it's a sensible one to have on your phone if you care about either.