Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

Zable: Credit card reviews

View other Zable products
4.81
Based on 123,713 reviews, last reviewed 17th Sep 2026
81% decrease in 5 star reviews
in the past 90 days
76% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
4%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

4

Great service. Great service. Easy to use app and whole process of signing up is very simple. Reviewed on: 17th September 2026
MS L's avatar
MS L

Latest lowest rating:

1

BE VERY CAREFUL MISLEADING AND FELT LIKE A SCAM BE VERY CAREFUL – MISLEADING AND FELT LIKE A SCAM My experience with Zable has been absolutely unacceptable. In my opinion, the way this application ... Read more Reviewed on: 6th September 2026
A Abdali's avatar
A Abdali
Read all reviews Write a review

About this product

You can check your eligibility for a Zable credit card online or in the app.

The Zable credit card could help you build your credit score if you make your payments on time and stay within your credit limit. You can repay any balances straight from your app by connecting your bank or debit card.

Zable credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zable before, you can also leave a review and share your experience.

Review Zable: Credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Zable Credit card reviews (123713)

Was excepted and had bad credit they understood and...

5
Was excepted and had bad credit they understood and helped me Reviewed on: 10th July 2025
Andrew Riddiford 's avatar
Andrew Riddiford

Building credit has never been easier - zable shows how

5
Here’s a **500-word positive review** of the **Zable Credit Card**, written in a professional tone suitable for voting, testimonials, or publication: --- ## Zable Credit Card – A Simple, Smart Way to Build Credit The Zable Credit Card offers a refreshing approach to credit building in the UK, combining modern technology with a no-nonsense fee structure. Tailored for individuals looking to establish or improve their credit history, Zable stands out as a user-friendly, transparent, and effective financial tool. ### Seamless Application and Instant Use One of the most appealing features of Zable is the **streamlined application process**. Prospective cardholders can check eligibility in minutes without impacting their credit score, and once approved, they receive **instant access to a virtual card**. This means users can start spending online or through Apple Pay and Google Pay immediately, without having to wait for a physical card in the post. It’s a significant convenience, especially for younger or tech-savvy consumers. ### No Hidden Fees Zable’s **fee-free structure** is another major advantage. There are **no annual fees, no foreign transaction fees, and no over-limit charges**. This simplicity removes the confusion often associated with traditional credit cards. Users only need to be mindful of interest charges if they don’t pay in full and a standard £12 fee for late payments, which is common across the industry. As long as you stay on top of your payments, Zable remains cost-free and predictable. ### Built for Credit Building What truly makes Zable shine is its focus on **credit improvement**. The card reports monthly to all three major UK credit reference agencies—Experian, Equifax, and TransUnion—helping users build a stronger credit history with consistent on-time payments. Zable also **reviews accounts regularly** and may offer credit limit increases to responsible borrowers, providing a helpful way to improve credit utilization and long-term scores. ### User-Friendly Mobile App Zable’s mobile app is **intuitive and powerful**. Users can easily view their transactions, manage their balance, freeze/unfreeze the card, and receive real-time notifications. Payment reminders and spending summaries help ensure responsible card usage. For many customers, this level of control fosters better financial habits and gives confidence in managing credit. ### Customer Satisfaction Customer feedback is overwhelmingly positive. With a **Trustpilot rating of 4.8/5** and strong scores on other review platforms, Zable is widely praised for its **fast service, excellent app experience, and helpful support team**. Many users note that it’s their first credit card and that the experience has been smooth, empowering, and encouraging for their credit journey. ### Final Thoughts The Zable Credit Card is an ideal option for people who want to **build or rebuild their credit** with a card that’s easy to use, transparent, and digitally focused. As long as users pay their balance in full each month, Zable provides a **cost-effective, secure, and hassle-free** path to better credit health. It’s a great example of how fintech can simplify banking while delivering real value. Reviewed on: 10th July 2025
Fedoline clement 's avatar
Fedoline clement

Its good app for beginners.

4
Its good app for beginners. I recommend everyone new one to check your eligibility and enjoy this app Reviewed on: 10th July 2025
Pratyaksh D's avatar
Pratyaksh D

I have really enjoyed using zable it has really help...

5
I have really enjoyed using zable it has really helped me with my family life and control my money more efficiently. I have been able to go about my day to day with out a worry or stress of if I will be okay for the month or untill my next pay check. Reviewed on: 10th July 2025
Taylor a's avatar
Taylor a

Great experience with Zable and happy to recommend t...

5
Great experience with Zable and happy to recommend to others! Reviewed on: 10th July 2025
Geri m's avatar
Geri m

Effective customers services

5
Need to get representative on the phone whenever customer service is required Reviewed on: 10th July 2025
N L Smith's avatar
N L Smith

very good

5
App easy to use, positive experience with the account Reviewed on: 10th July 2025
Jenny A's avatar
Jenny A

Easy to use.

5
Easy to use. Great interface and perfect for building credit, easy to keep up with repayments. Seems like a great company. No spam calling and selling your data like other companies. Been using for around 5 months and haven't been swamped with high interest fees or any hidden costs that aren't disclosed upfront. Reviewed on: 10th July 2025
Rhys's avatar
Rhys

Helped me out when I needed it.

5
Helped me out when I needed it. Easy to apply for a card Reviewed on: 10th July 2025
Steven g's avatar
Steven g

Smooth and Transparent Experience with Zable

5
Zable made the loan process quick and easy. The terms were clear, and the support team was helpful throughout. Great service Reviewed on: 10th July 2025
Chandu's avatar
Chandu

Review Zable: Credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill