# Sable — user reviews > 56 indexed App Store user reviews of Sable by Sable Money Inc., rated 4.70/5 from 8,135 ratings. - Source: https://appshunter.io/ios/app/sable/id1474654292/reviews - App overview in markdown: https://appshunter.io/ios/app/sable/id1474654292.md - Rating breakdown: 5★ 7,284 · 4★ 346 · 3★ 113 · 2★ 68 · 1★ 324 ## 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 ## Newest reviews (18 of 56) ### 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) ### 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. ### 2/5 — Beginner banking app for immigrants *2022-10-24, version 2.0.198* As someone who has recently moved to the states, this bank has allowed me to have a financial presence here - for that I’m grateful. That said, overall the experience has been very average: rounding errors, issues redeeming cash back, support is non existent, the chip in my card doesn’t work for contactless payments. My biggest gripe has been when I graduated to unsecured credit. I had a secured limit of 1k, I met all the milestones and demonstrated I could service that limit - why the heck is my limit now $250?? basically unusable for anything other than groceries. No visibility on how to get it higher, I wish I’d kept my card as secured. ### 3/5 — Not sure *2022-10-20, version 2.0.198* I just signed up for this about 3 weeks ago and haven’t received my cards. Direct deposit does not arrive early as in other banks. But regardless, today I received an email that starting Nov 9 all ATM withdrawals from debit cards will be disabled. And the debit spending limit is going from 5,000 to 1,000. I wanted to like it but I already removed it from direct deposit and will remove all my funds from here. ### 2/5 — Okay but could be great *2022-10-11, version 2.0.198* I love the concept of this card and I love their app but I opened my account in July and still have not received my physical debit or credit card. I have access to my virtual cards, but not my real cards. With out my cards, it is impossible to meet their milestones that are required to qualify for unsecured credit. I have sent several emails, and I continue to get the same answer, which is that there is a hold up with their card distributor. The app used to give me a timeline of when to expect shipping, but it does not even have a date any longer, so I have no idea when to expect my physical cards. If I could get my cards shipped this would be an excellent way to improve my credit. ### 2/5 — Apparently still HUGE wait time on cards *2022-10-07, version 2.0.198* Look—I like Sable. I can use Apple Pay almost anywhere and the virtual cards are seamless. HOWEVER, it’s been over 2 months—yes, you read that right—and my physical cards are still in “processing”. I contacted CS after month 1, who apologized and said that yes there was a slight delay but they’d be out asap. That was 5 weeks ago. I’m starting to think I shouldn’t have funded the credit card, because it looks like the physical cards don’t exist. ### 2/5 — Unless you can meet all the milestones this is the card for you *2022-10-06, version 2.0.198* This card is very misleading. First off you have to reach all the milestones in order to turn the card into a unsecured credit card. Do you know how many milestones they have on there that you have to complete.? So what I’m going to do is pay off the little balance that I have so they can give me my money back and I’m going to close the card because it’s not worth it Try Discover ### 1/5 — Replacement card *2022-09-29, version 2.0.195* I had fraudulent transactions on my account. I live in Oregon and someone used my information in Australia. I was issued a replacement card however this was over a month ago! My replacement card hasn’t even shipped. The shipping date keeps changing and I have no access to my paychecks or money on my account. I’ve contacted customer service multiple times with no reply. I wouldn’t trust this company with my money at all. This is beyond ridiculous. Everyday the shipping date changes and it never ships. ### 2/5 — App is glitchy and account activity records are extremely insufficient *2022-09-25, version 2.0.195* Despite the fact that this app receives updates there are easy to fix interface bugs that have been there since the first time I aaccessed it. That issue is relatively minor because as I said, the glitches would be easy to remedy if they were not ignored. Much more concerning to me is the extremely poor and sometimes non existent account/transaction documentation made available to the account holder. I have used many different online banking/debit card/credit card services and I have never seen this type of lack of transaction history before. I appreciate how one can obtain an unsecured credit card so easily with Sable’s service but the extremely poor account activity and transaction history documentation that is available to the user is why I would never have my direct deposit switched to my Sable account. ### 2/5 — Still haven’t received cards *2022-09-23, version 2.0.195* Still haven’t received (going on a month or so) and support said that it was a shipping issue and that I’ve should’ve gotten it around 2nd week of September. Been having to use the virtual card. Major inconvenience. Just be warned if you don’t get the cards within the stated timeframe. Also—, the tracking on the cards is pointless if you haven’t received said cards. It also doesn’t tell me when I get a direct deposit from my employer either. I have to manually check it to see money in my account. ### 1/5 — Fraudulent app *2022-09-19, version 2.0.189* I have no stars for this app I had this app before and I received my cards rather quickly the first time I upgraded my cell phone and I really was looking forward to using this banking system due to the fact that it would helped build credit as soon as I got my first paycheck deposited into the account they could not say where my virtual card accessibility was that they could not tell me when I would receive my actual physical card seeing how they canceled the original physical cards that I already had as well as I transferred the money from the banking account i.e. the debit account to my other bank account and now cannot find my money my other banking institute states that there is no pending wire transfer from the Sable bank entity and I’ve been doing the chat app to yet no avail no one ever responds or jumps in or replies back to my chat I have sent numerous emails and yet still no replies to my emails I have called the customer service number all day long Monday through Friday as they are not available during the weekend and no one ever answers the phone or return still detailed voicemail that it asked for if anyone can please point me in the direction of any legal help I can take regarding this I would greatly appreciate it ### 1/5 — I would definitely not refer this App *2022-09-08, version 2.0.177* I have been a sable user for the past one. Within this month I have faced many issues like unable to transfer money to other accounts with multiple reasons which are not being solved by their team even after me mailing them the issues. Also cards haven’t been shipped even after one month that is very big issue in my case and finally the customer support is very very bad. So with my experience I would recommend you guys to not go for it. ### 1/5 — Broken for a month now… *2022-09-01, version 2.0.169* I’ve been using Sable for a while & it’s been fine, if a little questionable at times. But the most recent problem is making me seriously question why I choose to trust them with my money. I’ve tried almost everyday for a month now to redeem my cash-back credit & nothing. I reached out to customer service immediately & they said they were “working on it” & that it wouldn’t interfere with me earning cash-back. Here’s the thing though, it’s pretty pointless if I can’t use it. If they can’t even fix a minor technical glitch, are they really the ones you want to use for your banking needs? Not quite. Or at all. ### 1/5 — Wow *2022-08-27, version 2.0.169* How is this app still in the App Store? Does apple not at least skin through reviews to make sure they aren’t promoting or allowing scam apps on their store? SO many people have gotten money stolen from this app after cards have gotten locked. I was going to open an account but I started asking around and reading reviews and I’ve read 15 reviews and like 12/15 of them have been that their cards/account got locked and never got the money back and the same happened to a close friend of mine and it was a decent amount of money as well! Buyer beware!! I wouldn’t suggest ANYONE getting this app or opening an account. ### 2/5 — Good when I started… *2022-08-17, version 2.0.152* I loved this company when I first got the service but as time goes on you’ll notice it’s no customer support at all!! NONE! they’re rude when you do “chat” with them and they’ve answered the phone twice I’ve been a customer for a year plus mind you…and also the cash back feature? You will never get your money it feels scammy soon as I pay off my card I’m closing the account with a real bank you get 24/7 customer support oh and you cannot rent cars either do not recommend ### 1/5 — Not easy to use *2022-08-12, version 2.0.152* Been trying to sent funds over to my credit card and cost .79 cent fee I’ll stick with chime with Instant transfer no fee so much Easier to use chime card! There should be a easy way to move your funds from your checking to your credit card. I hope you understand. If you fix this issue for us to move our moneys into the credit card there should not be any fee and don’t make us wait three day to move moneys to your debt card to credit card. I’ll stick with chime for now. ## Most critical reviews (10 lowest-rated) ### 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. ### 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 ### 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 ### 1/5 — Worst experience *2022-11-01, version 2.0.208* Avoid these guys at all cost. I opened an account two months back and have yet to receive my physical cards. They send a delayed response back stating that they are working with their manufacturer to get the cards out but there is a delay. Yesterday I received an email stating that they have closed my credit account due to inactivity. At that time I contacted their support stating that they are reassessing their business plans and are not issuing or reopening closed accounts. I’m so happy I never transferred any significant funds to these accounts. It sounds to me they’re going out of business. ### 1/5 — Still no physical cards after 2 months *2022-11-01, version 2.0.208* I started using this company in September 2022 for the purpose of building credit. I was expecting to get my cards in the mail in the usual 2 week timeframe that most banks use. After 3 weeks passed I emailed customer service and got a generic “delay at the manufacturer “ response. Then a month rolls by still no cards, I followed up, same email response again. Here we are 2 months in, I’ve sent another message only to get the same response again! This is not how you treat your customers. I was planning to refer people to this bank but now I am really glad I did not. I’m worried it may be a scam at this point. ### 1/5 — Warning: Company Appears to be Broke *2022-10-20, version 2.0.198* We got an email today telling us that in November all debit cards will no longer be able to use an ATM and the daily limit on debit card transaction was going down 80%. The most concerning is the first piece to me… no ATM use for a checking account’s debit card? Kinda sounds like they are out of money if they are trying to hold deposits so badly and not letting folks access money. What bank doesn’t allow ATM withdrawals…especially since there are no physical branches to get money from. You have been warned. ### 1/5 — This app stole my identity!! *2022-09-30, version 2.0.195* I found this app online and decided to try it out, put my name and my ssn and went to the next step. then it asked for a picture of my ID. I don’t have an ID yet so i canceled the verification process. Then a few weeks later i get a letter from the IRS. Only to realize they stole my identity!!! I never put my SSN or information anywhere else because i had just gotten my SSN card and never knew my SSN until last month. i’m new to adulthood and this is very frustrating. I am very disappointed. My life is ruined! ## Most praised reviews (10 highest-rated) ### 5/5 — Sable has been great for me! *2022-10-08, version 2.0.198* I’m not sure why there are so many bad reviews but sable has been wonderful to me. I applied in February of this year and my card came when expected. I’ve never had any trouble accessing my money, like ever. And the ability to pay my CC bill right from my debit account is the best feature. Now I’ve met all milestones for about 10 months now and still have not graduate but that is fine I’m still hopeful!! It’s easy, convenient, and I love it. ### 5/5 — Best secured card ive ever had!!!!! *2022-09-13, version 2.0.188* I love everything about Sable from the low monthly payments to the countdown till your next payment. Its a really thought out app that keeps getting new features all the time. The company reports promptly every month to the bureau’s and their out to help everybody not hurt them. If you missed the payment day they will give you an automatic grace period most companies would report misspayment next day. I love you Sable thanks ### 5/5 — Sable is Pretty Great *2022-07-15, version 2.0.137* I’ve had Sable for about half a year. It’s been reliable with my money, transactions I make post instantly and payments are easy! I love that you can decide your credit line and not get dinged with a credit check as you are trying to build good credit. Also love the twice cash back! Wish you could be unsecured faster! ### 5/5 — Best app hands down *2022-05-30, version 2.0.118* Best app for banking hands down. Instant transfers made to payment apps made easy. Spend your own money where and how you want with no restrictions on where and when you can. Your own Debit and CREDIT card to build credit and to save your money in the same app !! This will be the bank I use from now!! ### 5/5 — Finally a real solution to rebuilding credit *2022-02-26, version 2.0.50* I’ve tried them all, from Lexington Law to Experian Boost and even Self credit repair but none of those companies will help you repair your credit for free and for the most part the credit fix is temporary! With Sable I’m able to repair my credit completely fee free and with incentives! I absolutely love everything about Sable! I will forever be a life long customer and apart of the Sable family! Thank you Sable!!! ### 5/5 — The support is amazing *2021-12-30, version 2.0.17* I was getting confused about the daily balance which just means that you spent that amount. At the time I didn’t know that so I freaked out thinking I was negative. I got to give David Gregory a shout out because he was amazying he was polite and straight forward and helped me with it. Every company needs more of David Gregory’s if you need a support get a hold of David!!!! ### 5/5 — Good Starter Credit Card *2021-12-17, version 1.6.459* I have been using them for a couple months now and just saw the new update and I have to say the new app looks amazing. I like that I can build my credit limit over time with extra cash I may have. It’s also great that they report limit and utilization unlike some other credit cards apps offer l. ### 5/5 — Build your credit limit at your own pace with Sable One *2021-11-14, version 1.6.411* For obvious reasons I couldn’t get a credit card and couldn’t afford to lock 200 USD away for a month while I waited for a secured card. Sable One allows me to build up my secure credit card limit over time starting w/10 lousy bucks. Now secured limit is 1600…and growing. Soon enough, my secured limit will be 10k, thanks to Sable. Not Air Force One but Sable one is one of the best secured credit card to establish or repair your credit. ### 5/5 — FAST and instantly start building credit *2021-11-12, version 1.6.411* This has been by far the best experience I’ve had with banks in the US. The secured credit card let me build my credit score right from day one. It is delivered digitally right away and after about a week I got both credit and debit cards. The chat is super fast and you can talk to a person to solve your problems Ok a possible to increase the credit card authorized amount and when you pay, the credit is almost instantly available again. No more waiting for a day or to to get your credit back. Thank you guys for such an amazing product/service/card and an amazing customer service ### 5/5 — Crappy App *2021-08-19, version 1.6.300* Would give a lower star rating if possible. App did great as far as being able to get into it. Was about to use Sable for my direct deposit for my job, changed my mind when it shut me out of the app. Reset the password twice and it still has me shut out. Cant get to any of my information in order to use it. --- *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.*