Zable - Get £10 to spend on a credit card
- Time needed
- 5 minutes
- Deposit
- £0.10+
Zable is a UK-based credit card provider focused on helping users build or improve their credit score with flexible repayment options and no hidden fees. They are currently giving new users a £10 bonus when making any purchase through their refer a friend scheme.
How to claim your £10
- 1
Sign up here.
- 2
Make a purchase of any amount.
- 3
Receive £10 credit to your account within 30 days.
Discussion, alerts & T&Cs
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Zable FAQs
Is Zable for bad credit?
Yes — Zable targets people with poor or limited credit history. Their “Credit cards for bad credit” page says they may accept applicants with a low credit score, using additional data (e.g. Open Banking income/spending history) rather than relying solely on traditional credit‑score checks.
Because approval is possible even with bad credit (or no credit history), some users view Zable as a “credit‑builder” option.
Which bank owns Zable?
Zable is a trading name of Lendable Ltd.
Lendable Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 720261.
Is Zable a real credit card company?
Yes — because Zable is an FCA‑authorised trading name of Lendable Ltd, it is a regulated UK credit provider.
Their cards are (or may be) issued under licence by a payments firm (e.g. the “thimbl Credit Card” via Lendable) under a major card network.
However — as with many “credit‑builder / poor-credit” cards — the interest rates are relatively high (representative APR shown as 29.9% variable in some offers).
What are the downsides with Zable?
As with all credit cards aimed at poor credit scores, interest rates are quite high — if you don’t pay off your balance in full, interest could make borrowing expensive.
Some reviewers / third‑party critics raise concerns about security and risks: one external review mentions “reports of personal information being leaked and the app not being very secure,” and cautions that Zable may not be the best credit‑building tool for everyone.
Because these are credit‑builder / risk‑based cards, your limit may stay low and increases aren’t guaranteed. Responsible use is crucial.
Does Zable have a refer a friend scheme?
Yes, Zable has a refer a friend offer.
Right now, you can get £10 credit added to your account when you make any purchase. Your friend that referred you will get £30.
Have a referral link to share? Share it on our sister site here.
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