# Sable — Banking for building a life > Borderless banking for credit building and international finance. (iPhone/iPad app by Sable Money Inc..) - Source: https://appshunter.io/ios/app/sable/id1474654292 (this page in markdown: same URL + `.md`) - Developer: [Sable Money Inc.](https://appshunter.io/developer/1468562557) - Category: Finance - Price: Free - Rating: 4.70/5 from 8,135 App Store ratings · 56 written reviews indexed - Age rating: 4+ - Requires: iOS 12.4 · 152 MB - Languages: English - Released: 2019-08-15 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/sable/id1474654292/reviews.md ## What is Sable? Sable is effortless, borderless banking for a more connected world. • U.S. credit, debit and bank accounts • Designed to improve your credit score • 3X faster graduation to traditional credit than anywhere else with tangible milestones • No fees or credit checks • No U.S. citizenship required • Get unlimited cash back & premium perks • Best rate on international transfers guaranteed Download now, open an account in five minutes, and take the first big step toward your financial future. --- Why Sable? Start from anywhere: Open an account in minutes, no matter where you are in your credit journey. No credit check, no minimum deposit, no fees, and no U.S. citizenship required. Build habits for life: Improve your credit score and graduate to traditional, unsecured credit in as fast as 4 months when you hit clear milestones, with coaching from the Sable app. Start funding your future while the big banks make you wait years. Take your money further: Get unlimited cash back on the things that matter, connect to your favorite financial apps, and send and receive money in 55+ countries cheaper than ever with Sable's Best Rate Guarantee. --- For terms and conditions please visit https://sablecard.com/terms-and-conditions ## Key features - U.S. credit, debit, and bank accounts - Credit score improvement - Fast graduation to traditional credit - No fees or credit checks - No U.S. citizenship required - Unlimited cash back and premium perks - Guaranteed best rates on international transfers ## What do users think of Sable? Overall sentiment: negative **Pros** - 🚀 Instant virtual card - 💡 Pathway to unsecured credit - 👍 Convenient banking features - 🚀 Fast credit building **Cons** - 🐛 Delayed physical card delivery - 🔒 Security and account access issues - 👎 Unresponsive customer support - 🔍 Unclear account activity and transaction history **Commonly reported bugs** - Accounts being restricted or closed without explanation - Rewards and cash back not functioning properly - Inconsistent card delivery timelines **Most requested features** - Faster graduation to unsecured credit - Improved account management and transaction visibility - Enhanced customer support and communication ## Recent user reviews (10 of 56) All indexed reviews: https://appshunter.io/ios/app/sable/id1474654292/reviews.md ### 1/5 — Good but inconvenient *2023-05-10* I’ve been a member for over a year and I was intrigued that I can build my credit and work my way to an unsecure card. I completed the challenges for 5 months. The site said I was eligible and I was promised a card but never received it. Also when I lost my debit card they told me they’ll send another but that was 5 months ago. I called again and I was told they have a card shortage but simce they report on my credit I have to keep the card open. If you can get use to the idea of this being a virtual card company then you’ll be okay, but if u need a card for any circumstance *atm withdrawls* think again, you’ll be stuck with money in your account and no way to access it. ### 1/5 — Little to no customer support/ don’t download *2023-05-01* This credit account is now classified as “delinquent” on my TransUnion credit report although it has been paid? I was under the assumption that the entire concept behind opening a “SECURED CREDIT” account was to ensure that my money would cover any expenses charged on my SABLE-ONE CREDIT CARD in the event of an emergency. Under my previously stated assumption, the occurrence of several unauthorized transactions on my card would be an emergency, but not to sable, it’s a miracle to even get any kind of response from them. After giving up on getting the fraudulent charges removed, and having taken care of the balance, I want this issue addressed immediately. The level of support offered by Sable is entirely unprofessional, not to mention customer service has been nothing but lousy at best. After realizing what had happened, I paid the other “$0.16” that I owed on this card. Sable received all funds, which involved 30 dollars from secured funds, and a payment with the “remaining balance” was made. An account that should have been “secured” has negatively affected my credit score, dropping it from 654 to 530. Both parties could have avoided this situation with the proper care and communication from the Sable team. There was no connection on behalf of Sable concerning my account, which is absurd. ### 2/5 — Don't bother *2023-04-05* Over a year ago I got this card because I was trying to improve my credit and they promised a quick and simple path to getting an unsecured credit card. I put a $1200 balance on the card and used it consistently, made every payment on time, and follow all of the steps that they listed to get unsecured. Fast forward over a year later. This is still a secured card for me. A Discover card I got at the exact same time graduated me to unsecured much sooner. I have also had issues with linking my bank in the past. And I have read lots of reviews about people not even getting their cards on time. I love the idea of this card, I love the simplicity of the sign up and the fact that you get your virtual card right away. But this company fails to meet its promises, customer service is unhelpful, and if you are able to, there are better options out there. **Developer response:** ---------------------------------------------- Maricela Noguera, Apr 7, 2023, 09:59 EDT Hello, Thanks for reaching out to Sable. It looks like you contacted us from a different email address than what we have on file for you. Security is our top concern, so in order to assist you further, we ask that you contact us from the email you use for your Sable login. If you don't know what that is, please give us a call and we will verify and assist you over the phone. ### 4/5 — SABLE BANK + SABLE CREDIT *2023-03-19* With all honesty and respect it’s aiiite, it’s nothing spectacular or no WOW factor behind it. I have thousands upon thousands pushed thru my account every month just from payroll and not including Zelle Or Cashapp. I wish I could get more incentive of cash back and it would be dope to have an easier process to both load funds on my account abroad when I’m visiting family in Calgary, AB and trying to move or transfer funds from my checking account to my credit card balance. Oh yeah it needs improvement with features and notifications such as when I have payroll deposited in my account and sh•t like that. All in all it’s decent for a no name financial institution that I’ve never heard of up until last year (2022) ### 1/5 — Scam company, positive reviews are fake *2023-03-16* Going on 8+ months without a physical credit card or debit card. These were promised to me as soon as I signed up and was given the account. I have only been able to use my credit card if I shop online. In order to graduate to unsecured credit they require you to hit a ton of milestones every single month for 3 months in a row and if you miss even one milestone you have to start all over again. Kind of hard to hit all the milestones especially # of purchases and amount spent if I can’t even use a card in person when I’m out shopping, getting gas, or going out to eat. As soon as you express your concern to customer service they ghost you. DON’T GET INVOLVED WITH SABLE! ### 1/5 — THE single worse bank ever *2023-02-26* They will take out money from your account and have no explanation why nor will return it. I’ve had rewards stuck in my account for almost a year, that I can’t withdraw, I asked for assistance but they gave me a dumb excuse and never fixed the problem. 10 days ago $20 were taken out of my account and sable had no answer for it, I spent hours on the phone with a rep trying to fix the issue and get my money back, they told me they would call me back when they figured out what happened and I never got a response from them. They also allow random transactions to be pulled out of your account even while your cards are locked/inactive, and it’s extremely difficult to get a hold of them to dispute any transactions, on top of that they offer such poor and unprofessional customer service. I’m so fed up with this bank and if I had another choice I would’ve switched to a different one already, yet I will VERY SOON ### 2/5 — Disappointed with Sable *2023-02-08, version 2.0.208* Not happy with Sable. I’ve been using this app for 6 months now. I’ve made on time payments and met each milestone each month. They will not graduate me to unsecured credit because they state they no longer offer unsecured credit at this time and couldn’t give me an estimated time on when they will be offering it again. It also is no longer compatible Zelle. My reward points doesn’t add up to my purchases in my credit line and my deposits still hasn’t updated for this month. I’m very disappointed with Sable. ### 4/5 — Working fine for me *2022-11-29, version 2.0.208* I’ve been using this for a couple months now and everything has been fine except for they can’t seem to send physical cards and now the car just say they’re canceled. But that’s OK. I just have to pay everywhere that excepts it and my digital cards work just fine. I’m on month three towards my path to stick to a unsecured credit card. We’ll see what happens. ### 1/5 — Say NO to Sable *2022-11-14, version 2.0.208* If I could give negative stars I would. I applied for the card three months ago and transferred $5000 for my credit limit. I set up a $250 direct deposit and have followed all the rules to get the unsecured card. I have yet to receive a credit card or debit card after three months. They DO NOT answer the phone and are clueless when you email with them. They say there is a problem with their credit card supplier. I think that is a lie. When I lose my debit card from the my bank they replace it immediately. Something is wrong with Sable. I'm not sure if it's nefarious or not but who ever heard of a credit card company with no credit cards? If you're looking for a high limit secured card try Chime. I would not use Sable. Their customer service is nonexistent. ### 1/5 — I use to rock with this company *2022-11-04, version 2.0.208* Sable was a great idea, it did help me build up my credit, but these people are almost impossible to get in contact with you can send them a message thru, email, chat, or call still no answer. This is the worst bank at protecting your money. I disputed to charges that was not mind and still had to end up paying these charges. I been waiting two months for my debit and credit card, I could keep going, stay away from this bank and get you a traditional bank, at least you know your money will be protected ## Frequently asked questions about Sable ### What is Sable? Sable offers borderless banking services, including U.S. credit, debit, and bank accounts. It is designed to help users build their credit score, offering a faster path to traditional credit than many other options. The app also provides benefits like cash back, premium perks, and competitive international money transfer rates. ### How does Sable help build credit? Sable is specifically designed to improve your credit score. It provides tangible milestones and coaching within the app to help you graduate to traditional, unsecured credit in as little as 4 months. This is achieved without requiring a credit check to open an account. ### Are there any fees or requirements to open an account? No, Sable offers accounts with no fees and no credit checks. You do not need U.S. citizenship to open an account, making it accessible to a wider range of users. There is also no minimum deposit required to get started. ### What are the benefits of using Sable for international transfers? Sable guarantees the best rates on international transfers, ensuring you send and receive money in over 55 countries cheaper than ever. This feature, combined with unlimited cash back and premium perks, makes it a cost-effective financial tool. ### Who is Sable for? Sable is ideal for individuals who want to build credit history, especially those who are new to the U.S. financial system or are looking for a more connected and affordable banking experience. It's also beneficial for those who frequently send or receive money internationally. ## Version history (last 5 releases) ### 2.0.300 — 2023-09-20 Bug fixes and improvements ### 2.0.299 — 2023-06-17 Bug fixes and improvements ### 2.0.288 — 2023-06-02 Bug fixes and improvements ### 2.0.287 — 2023-05-21 Bug fixes and performance improvements ### 2.0.284 — 2023-05-09 Bug fixes and performance improvements ## Apps similar to Sable | App | Rating | Price | Category | | --- | --- | --- | --- | | [Credit Genie: Get Cash Advance](https://appshunter.io/ios/app/credit-genie-get-cash-advance/id1588301749) | 4.8 (106,891) | Free | Finance | | [cred.ai](https://appshunter.io/ios/app/credai/id1393703565) | 4.8 (6,400) | Free | Finance | | [Grain: The Digital Credit Card](https://appshunter.io/ios/app/grain-the-digital-credit-card/id1410559121) | 4.5 (36,269) | Free | Finance | | [Extra](https://appshunter.io/ios/app/extra/id1489550124) | 4.6 (9,512) | Free | Finance | | [Vola: Cash Advance & Credit](https://appshunter.io/ios/app/vola-cash-advance-and-credit/id1275913039) | 4.6 (32,239) | Free | Finance | | [GO2bank: Mobile banking](https://appshunter.io/ios/app/go2bank-mobile-banking/id1534345772) | 4.8 (56,965) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*