# Zable Referral Code

> 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.

- You get: Reward on your card
- Sector: Credit Cards & Loans
- Reward (new joiner): Reward on your Zable card
- Code: `behzad-hosseini-3a1ac`
- Referral link: https://zable.co.uk/join?c=behzad-hosseini-3a1ac&type=cardsApplication
- Qualifying action: Be approved for a physical Zable credit card via the referral and make a first transaction
- Time to qualify: Within 30 days of that first transaction
- Last checked: 2026-09-21 (September 2026)
- Page: https://topreferrals.co.uk/referrals/zable

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 it works
1. Open the application through the referral link.
2. Run the eligibility check first — it is a soft search and shows your personalised rate and limit without marking your file.
3. Accept only if the rate suits. This is where a hard search is recorded.
4. Once approved for a physical card, make a first transaction; the reward reaches both card balances within 30 days.

## Eligibility
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.

## FAQ
**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.

## Full review


## 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

1. Apply **through the referral link**.
2. Be approved for a **physical** Zable credit card — a **Starter (virtual)** account does not qualify.
3. 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.