Your rewardReward on your card
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Checked 21 September 2026. Link tested daily; terms re-checked monthly. How we check. Terms are set by Zable and may change.
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Zable Referral Code — Reward on your Zable card
FCA-regulated credit, unlike the pay-later products here. Zable publishes no fixed referral figure — it varies by account — so check the app. The soft-search eligibility check is the genuinely useful part.
Both sides receive a reward on the Zable card balance once the new cardholder makes a first transaction. Eligibility can be checked with a soft search that leaves no mark on your credit file.
Applying for a Zable credit card through this referral (zable.co.uk/join?c=behzad-hosseini-3a1ac&type=cardsApplication) rewards both sides on the Zable card balance within 30 days of the new cardholder's first transaction. Zable publishes no fixed figure — the amount depends on your Zable products and account status and is shown in the app; the inviter's screen shows up to £30 for a card and £70 for a loan. Approval must be for a physical card, not a Starter virtual account. Eligibility is a soft search. Zable is a trading name of Lendable Ltd, FCA 720261; representative 29.9% APR variable.
How the Zable referral code works
- Open the application through the referral link.
- Run the eligibility check first — it is a soft search and shows your personalised rate and limit without marking your file.
- Accept only if the rate suits. This is where a hard search is recorded.
- Once approved for a physical card, make a first transaction; the reward reaches both card balances within 30 days.
Who's eligible
UK applicants aged 18 or over, subject to status. The reward requires approval for a physical Zable credit card — a Starter (virtual) account does not qualify — followed by a first card transaction. The referring customer must hold a Zable credit card and be in good standing when the invite is sent. Checking eligibility is a soft search; a hard search is recorded only on accepting an offer.
What this pays
Both sides are rewarded, credited to the Zable card balance within 30 days of the new cardholder's first transaction.
Zable publishes no single figure, and this listing will not manufacture one. Its own position is that the reward depends on your Zable products and the status of your accounts, and that you must hold a Zable credit card to be eligible at all. The amount is shown inside the Zable app, on the home screen and under Invite friends.
As context rather than a promise: the inviter's screen behind this listing currently shows up to £30 for a card referral and £70 where the referred person takes a Zable loan. Your figure is whatever your own app displays.
What has to happen
- Apply through the referral link.
- Be approved for a physical Zable credit card — a Starter (virtual) account does not qualify.
- Make a first card transaction.
Only then does the reward land, on both balances, within 30 days. On the other side, the referring customer must hold a Zable card and be in good standing when the invite goes out.
Use the soft search first
This is the genuinely useful mechanic, and it is free. Zable runs a soft search to show your personalised APR and credit limit. Soft searches are invisible to other lenders and leave your score untouched. A hard search — visible on your credit report — happens only when you accept an offer and sign.
In other words you can see your real rate before committing to anything. There is no reason not to.
The cost of the credit
Card
| Representative | 29.9% APR (variable) on assumed borrowing of £1,200 at 29.9% variable p.a. |
| Starter version | Materially higher for thinner credit files |
| Annual / monthly fee | None |
| Cash withdrawals | Fee applies |
| Late payment | Charged |
Loans
| Amount | £1,000 – £25,000 |
| Term | 1 – 5 years |
| Representative | 24.6% APR |
| Range | 7.8% – 48.9% APR |
As with any credit card, clearing the statement in full each month means the headline rate never comes into play.
A continuous payment authority, not a direct debit
Approved Zable cardholders set up a continuous payment authority (CPA), which permits Zable to take varying amounts from a debit card. A CPA can be cancelled — with Zable or with your card provider — but the Direct Debit Guarantee does not apply. If you specifically rely on those protections, this is a real difference from a bank direct debit.
Who Zable is
A trading name of Lendable Ltd, registered in England and Wales under company number 08828186, authorised and regulated by the Financial Conduct Authority under firm reference 720261, and a CIFAS member. The card was previously known as the Level card.
That regulatory status separates it from the pay-later products elsewhere in this directory: this is FCA-regulated consumer credit, with the protections that brings.
Who it suits
| You are | Verdict |
|---|---|
| Already shopping for a credit-builder card | Reasonable — check eligibility, take the reward if the rate fits |
| Clearing the balance in full monthly | Fine — the 29.9% never applies |
| Comparing credit-builder cards | Use the soft search — it shows your real rate first |
| Considering a Zable loan | Check the rate — £1,000–£25,000 over one to five years |
| Relying on Direct Debit Guarantee cover | Note the CPA |
Where these figures come from
The referral mechanics — both sides rewarded, credited to the card balance within 30 days of the first transaction, the requirement to hold a Zable credit card to be eligible, the physical-card requirement, and the statement that the amount depends on your products and account status — are from Zable's own help centre. The card and loan figures quoted are those displayed on the in-app Invite friends screen behind this referral, which is why they appear here as the inviter's displayed amounts rather than a universal offer. Representative APRs, loan ranges, fees, the soft/hard search sequence and the continuous payment authority are from Zable's published product pages. Company and regulatory details are from Zable's own site. Terms can change without notice; we re-check the link daily and re-read the terms on the verification date above.
The Zable referral code is verified and the link is live — it takes under a minute to claim.
Frequently asked questions
How much is the Zable referral worth?
Zable does not publish a single figure and we will not invent one. Its help centre says the reward depends on your Zable products and the status of your accounts, and that you must hold a Zable credit card to be eligible at all. The amount appears in the Zable app. For context, the inviter's screen behind this listing shows up to £30 for a card referral and £70 where the friend takes a loan.
What releases the reward?
Approval for a physical Zable credit card — a Starter, virtual account does not qualify — followed by a first card transaction. The reward reaches both card balances within 30 days. Approval on its own does not trigger it.
Will checking eligibility damage my credit score?
No. Zable runs a soft search to show your personalised APR and limit, and soft searches are not visible to other lenders. A hard search appears only when you accept an offer and sign, and that one is recorded on your credit report.
What does the card cost?
The representative example is 29.9% APR variable, based on assumed borrowing of £1,200 at 29.9% variable a year. A starter version for thinner credit files can be materially higher. There is no annual or monthly fee, but cash withdrawals carry a fee and late payment is charged.
Do I pay by direct debit?
No — approved cardholders set up a continuous payment authority, which lets Zable take varying amounts from a debit card. It can be cancelled with Zable or your card provider, but the Direct Debit Guarantee does not apply to it. Worth knowing before you apply.
Who is Zable?
A trading name of Lendable Ltd, registered in England and Wales under company number 08828186 and authorised and regulated by the Financial Conduct Authority, firm reference 720261. Unlike the pay-later products elsewhere in this directory, this is FCA-regulated consumer credit.
How should I weigh the referral against the card?
Choose the card on the rate and limit Zable shows after the soft search. The referral is then a bonus on top of a card you already wanted, credited to your balance after a first transaction.
Seen enough? You get Reward on your card, verified against Zable's own published terms.