# Zable referral code — Reward credited to your Zable card > Apply for a Zable credit card through this referral (zable.co.uk/join?c=behzad-hosseini-3a1ac&type=cardsApplication) and both sides receive a reward credited to the Zable card balance within 30 days of the new customer's first card transaction. Zable publishes no single figure — it depends on your Zable products and account status; the inviter's screen shows up to £30 for a card and £70 for a loan. You must be approved for a physical card, not a Starter virtual account. Zable is Lendable Ltd, FCA 720261; card representative APR 29.9% variable. ## Quick facts - Canonical URL: https://honestcodes.co.uk/codes/zable - Referral link: https://zable.co.uk/join?c=behzad-hosseini-3a1ac&type=cardsApplication - Code: `behzad-hosseini-3a1ac` - Bonus: Reward credited to your Zable card - Category: banking - Status: live - Last verified: 2026-09-17 - Eligible region: United Kingdom ## Benefit Apply for a Zable credit card through this referral and both you and the person who invited you receive a reward credited to the Zable card balance, released within 30 days of your first card transaction. Zable does not publish a single figure: the amount depends on your Zable products and the status of your accounts, and it is displayed in the Zable app. The inviter's current screen shows up to £30 for a card referral and £70 where the referred friend takes out a Zable loan. Checking your eligibility is a soft search that does not affect your credit rating. ## Eligibility UK applicants aged 18 or over, subject to status. To earn the referral reward you must apply through the referral link and be approved for a physical Zable credit card — a Starter (virtual) account does not qualify — and then make your first card transaction. The person referring you must hold a Zable credit card and be in good standing on the date they send the invite. Checking eligibility is a soft search; a hard search is recorded only when you accept an offer. ## How it works 1. Tap 'Open Zable' below to start a card application through the referral — the invite has to be the route in 2. Check your eligibility first: Zable runs a soft search that shows your personalised rate and limit without affecting your credit rating 3. Accept the offer only if the rate suits you. This is the point a hard search is recorded on your credit file 4. Be approved for a physical Zable credit card. A Starter (virtual) account does not qualify for the referral reward 5. Make your first card transaction — the reward is credited to the Zable card balance within 30 days, for both sides ## What this referral pays Both sides are rewarded. Zable's help centre states that you and your friend can each receive a reward when all the eligibility criteria are met, credited to the **Zable card balance within 30 days** of the referred customer's first transaction. What Zable does **not** publish is a single figure — and this page will not invent one. Its own wording is that *"the referral reward you are eligible for depends on your Zable products and the status of your accounts"*, and that *"you must have a Zable credit card to be eligible for a referral reward"*. The amount appears in the Zable app, on the home screen and under **Invite friends**. For context, not as a promise: the inviter's screen behind this page currently shows **up to £30** for a card referral and **£70** where the referred friend takes out a Zable loan. Your own figure is whatever your app shows. ## What actually releases it Three steps, in order: 1. **Apply through the referral link.** It has to be the route in. 2. **Be approved for a physical Zable credit card.** Zable is explicit that a **Starter (virtual)** account does not qualify. 3. **Make your first card transaction.** Approval alone does not release the reward. The reward then lands on the card balance within 30 days. On the other side, the person inviting you must hold a Zable credit card and be in good standing on the day they send the invite. ## Check eligibility before you apply Zable runs a **soft search** to show your personalised APR and credit limit. A soft search is not visible to other lenders and does not affect your credit rating. A **hard search** — the one that appears on your credit report — is recorded only when you accept an offer and sign. That two-stage design is genuinely useful: you can see your real rate before committing to anything. Use it. Zable also lets you link a bank account during the application to give a fuller picture of your finances. ## What it costs **Credit card** | | | |---|---| | Representative APR | **29.9% APR (variable)**, on assumed borrowing of £1,200 at 29.9% (variable) p.a. | | Starter version | Materially higher — reported around 48.9% variable | | Annual fee | None | | Monthly fee | None | | Cash withdrawals | Fee applies | | Late payment | Charged | **Loans** | | | |---|---| | Amount | £1,000 – £25,000 | | Term | 1 – 5 years | | Representative | **24.6% APR** | | Rate 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. ## The payment method is a CPA, not a direct debit An operational detail worth knowing before you apply: approved Zable cardholders set up a **continuous payment authority (CPA)** rather than a direct debit. A CPA authorises Zable to take varying amounts from your debit card. It can be cancelled — with Zable or with your card provider — but the **Direct Debit Guarantee does not apply to it**. If you specifically want the protections of a direct debit, this is a real difference. ## Who Zable is Zable is a trading name of **Lendable Ltd**, registered in England and Wales with company number **08828186**, authorised and regulated by the **Financial Conduct Authority** under firm reference **720261**, and a member of CIFAS. Lendable is an established UK personal-loans business, and the card was formerly known as the Level card. That regulatory status is a meaningful difference from the buy-now-pay-later products elsewhere on this site: 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, and take the reward if the rate suits | | Able to clear the balance in full each month | **Fine** — the 29.9% never bites | | Comparing credit-builder options | **Use the soft search** — it shows your real rate before you commit | | Considering a Zable loan | **Check the rate** — £1,000–£25,000 over one to five years, priced to your circumstances | | Wanting Direct Debit Guarantee protection | **Note the CPA** — it is not the same thing | ## Source documentation The referral mechanics — both sides rewarded, credited to the Zable card balance within 30 days of the referred customer's first transaction, the requirement to hold a Zable credit card to be eligible, the requirement that the referred friend is approved for a **physical** card rather than a Starter (virtual) account, and the statement that the reward depends on your Zable products and account status — are taken from **Zable's own help centre**. The figures shown for the card and loan invites are quoted from the in-app Invite friends screen behind this referral, which is why this page presents them as the inviter's displayed amounts rather than a universal offer. Representative APRs, loan ranges, the fee structure, the soft-search/hard-search sequence and the continuous payment authority are from Zable's published product pages and terms. Company and regulatory details (Lendable Ltd, company number 08828186, FCA reference 720261) are from Zable's own site. Zable sets these terms and can change them without notice — HonestCodes link-checks this referral daily and re-reads the terms on the date shown at the top of this page. ## Search terms covered by this page - "zable referral code" - "zable invite link uk" - "zable credit card referral" - "zable loan referral" - "zable refer a friend 2026" - "zable credit card review uk" - "credit builder card referral uk" - "zable lendable credit card" - "zable eligibility soft search" - "best zable referral 2026" ## Frequently asked questions ### Is the Zable referral still active in 2026? Yes — verified on the date shown at the top of this page. Zable's help centre confirms that both the referrer and the referred friend can receive a reward when all the eligibility criteria are met, credited to the Zable card balance within 30 days of the friend's first transaction. HonestCodes link-checks this referral daily. ### How much is the Zable referral reward? Zable does not publish one figure, and we will not invent one. Its help centre states that the reward you are eligible for 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 in the Zable app on the home screen and under 'Invite friends'. For context only: the inviter's screen behind this page currently shows up to £30 for a card referral and £70 where the friend takes a Zable loan. Your own figure may differ. ### What exactly triggers the reward? Three things in sequence. You apply through the referral link; you are approved for a physical Zable credit card — Zable is explicit that a Starter (virtual) account does not qualify; and you make your first card transaction. The reward is then credited to the Zable card balance within 30 days. Approval alone does not release it. ### Will applying hurt my credit score? Checking your eligibility will not. Zable runs a soft search to show your personalised APR and credit limit, and a soft search is not visible to other lenders. A hard search is recorded only when you accept an offer and sign the agreement, and that one does appear on your credit report. Check eligibility first — it is the whole point of the soft-search step. ### What does the Zable credit card actually cost? The representative example is 29.9% APR (variable), based on assumed borrowing of £1,200 at an interest rate of 29.9% (variable) per year. Applicants with a thinner credit file may be offered a starter version at a materially higher rate — reported around 48.9% variable. There is no annual fee and no monthly fee, but cash withdrawals carry a fee and late payment is charged. As with any credit card, the rate is irrelevant if you clear the balance in full each month and decisive if you do not. ### What about the Zable loan referral? Zable also runs a separate loan journey, and the invite behind this page shows a larger figure for a friend who takes out a Zable loan. Zable's loans run from £1,000 to £25,000 over one to five years, with a 24.6% APR representative and rates ranging from 7.8% to 48.9% APR depending on your circumstances. A loan is a much bigger commitment than a card — take it because the borrowing is right for you, never because a referral pays. ### Do I pay by direct debit? No — and this is worth knowing before you apply. Approved Zable cardholders set up a continuous payment authority (CPA) rather than a direct debit. A CPA authorises Zable to take varying amounts from your debit card, and it is cancelled differently from a direct debit: you can withdraw it with Zable or with your card provider. The Direct Debit Guarantee does not apply to a CPA. ### Who is behind Zable? Zable is a trading name of Lendable Ltd, registered in England and Wales with company number 08828186 and authorised and regulated by the Financial Conduct Authority under firm reference 720261. Lendable is an established UK personal-loans business; the card was previously known as the Level card. Unlike the buy-now-pay-later products elsewhere on this site, this is FCA-regulated consumer credit. ### How should I weigh the referral against the card itself? Pick the card on its merits first — the rate, the limit and the fees Zable shows you after the soft search. The referral is then a straightforward bonus on top of a card you already wanted, credited to your balance once you have made a first transaction.