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About Sable credit

Keep your money safe with a secure, FDIC insured bank account.

Unlimited
Cash Back & Perks

Get 1% cash back on eligible purchases.

Best Rate on
International Transfers

Transfer funds globally in seconds with Sable’s Best Rate Guarantee.

(Seriously) No Fees

Put your money toward what counts instead.

Instant Virtual Cards

Get a debit card in your digital wallet and start using it instantly.

Cash Back & Perks

Cash Back & Perks

Cash Back & Perks

Cash Back & Perks

Cash Back & Perks

Cash Back & Perks

2%

Earn cash back on the things you really buy.

1%

Earn cash back on the things you really buy.

1%

Earn unlimited 1% cash back on all other purchases.

2x

Get a dollar-for-dollar match on all cash back at the end of your first year. Sable’s Double Cash Bonus⁷.

Cell Phone Damage Protection³

Sable provides coverage in the event your covered cell phone is stolen or damaged (including cracked screens!) if your cell phone bill is charged to your credit card.

Rental Car Insurance³

We’ll help you pay for physical damage and theft to most rental vehicles through Mastercard Rental Insurance.

Extended Warranty³

Sable will double the manufacturer’s or retailer’s warranty for eligible items purchased with your Sable ONE Mastercard.

Zero Liability Policy³

Sable guarantees you won’t be held liable if unauthorized purchases show up on your cards.

Zero Liability Policy³

Sable guarantees you won’t be held liable if unauthorized purchases show up on your cards.

Price Protection³

Sable will reimburse you for the difference in price on eligible items should you find the same item for a lower price.

Purchase Assurance³

Sable provides coverage for most new items purchased with your Sable credit card that are damaged or stolen within 90 days of the date of purchase.

Sable Satisfaction Guarantee³

Sable will cover the cost of most purchases within 60 days if you’re unsatisfied with something you bought on your Sable card and the seller won’t accept the return.

and much more.

We’re constantly improving the Sable experience with new perks and opportunities to earn cash back. It’s all about expanding access to a premium banking experience.

+$1,210

total estimated value per year⁴

Instant Online Debit

Instant Online Debit

Instant Online Debit

Instant Online Debit

Instant Online Debit

Instant Online Debit

Make seamless direct deposits in real time

Instead of jumping through hoops with your payroll provider, set up direct deposit from the Sable app in seconds. When you do, we’ll add that information to our assessment of your financial health, so you can graduate to unsecured credit faster.

Transfer money cheaper with Sable’s Best Rate Guarantee

Our mission to bank the world means we want to make easier than ever to connect. Send money internationally to 55+ countries, and we’ll price match the transfer rate of any competitor.

(Good luck finding a cheaper rate!)
SABLE CUSTOMER REVIEWS

100,000+ accounts and counting

4.7

Score on App & Play Store
Awesome app and the best debit account I’ve had!

— Josh Billingsley

I love that my card covers car rental insurance! The cash back is great too 👏

— Kristen London

Great app! Easy to use and great customer service. This should be the norm for banks.

— webwires

This is the absolute best app-based checking account hands down. It really deserves 10 stars.

— Terrace Green

THE New SABLE Debit Card

Clean lines. Clean slate. Coming early 2022.

Modern Design for Modern Banking

Physical & Instant Virtual Card

Durable, Transparent Material

Connect to your favorite financial apps

Sable integrates with all the other ways you move money: from Venmo® and CashApp® to Robinhood® and Coinbase®, Sable brings your checking and credit cards up to speed.

Get a Sable card in your digital wallet in (you guessed it) five minutes

When you sign up, you can add your virtual card to your digital wallet instantly to make important purchases and build credit.

Safe. Stable. Sable.

Getting your financial life on track is serious business. That’s why we’re committed to giving you best-in-class security, and you won’t be held liable if unauthorized purchases show up on your cards.
Learn more

Compare Sable

Compare Sable

Compare Sable

Compare Sable

Compare Sable

Compare Sable

No minimum deposit required. No monthly account fees. No  overdraft fees. No insufficient funds fees.

Finally: no-nonsense banking.

Get Started

Sable account

Chase

Bank of America

Monthly Fees

$0

$12

$12

Minimum Balance Requirements

$0

$1,500

To waive fee

$1,500

To waive fee
Overdraft & Insufficient Funds Fees

$0

$34

$35

FAQs

01
What do I need to apply for Sable products?

To open a Sable account you only need the following things:

  1. Your SSN information

Or if you don't have an SSN, then the following will be required:

  1. Your Passport
  2. Your U.S. Address
  3. Your U.S. Visa or Non-Tourist I94 entry of your US visit

Passport

You will need to scan your passport using the app when you're applying for an account. You will need your original passport, we don't accept photocopies or previously scanned images.

US Address

You need to have a Residential US Address to open an account. This is a regulatory requirement. We will automatically ship your card to the address you provided.

Your Visa or valid I94 entry into the US (for non-US Citizens)

If you are not a US citizen, we will ask for a second document. This will be the US visa attached to your passport If you don't have a US Visa, that is probably because you entered the US with a visa waiver (e.g. a TN Visa or an ESTA). In this case, select the I-94 option and we will verify your visa waiver electronically.

Your SSN (if you have one)

If you have a Social Security Number, you’re required to provide it for verification purposes.

Why do you ask for these documents?

We have to make sure that you are opening the account and it is not someone using your identity. This is for your safety as well as to comply with US regulations.

02
I am new and don’t have a credit history in the US. Can I still apply for Sable’s products?

Absolutely! Our products are especially made so that you can enjoy higher credit limits even when you don’t have a US credit history.

03
When will I receive my Sable cards?

Your physical Sable cards are automatically shipped to the address you signed up with once you complete your onboarding and your account is opened.

The cards will be shipped via USPS in your name and will say MTL card on the envelope. Please note we do not receive tracking information for these cards but they will be dropped into your mailbox. If you signed up for both the Sable Debit and Credit Cards, please note that each card will be shipped in a separate envelope and may arrive a few days apart.

Your virtual cards are available to you immediately once you sign up and can be accessed in the app. You can start spending with the virtual cards even while you wait to receive your physical cards in the mail!

04
How can I add funds to my Sable account from the United States?

If you are sending money from within the United States, you can send a direct deposit or wire transfer.

Direct deposit (also called ACH) is usually free but can take longer to be credited.

You can choose to link your personal bank account for ACH/Direct Deposit transfers if the service is available at your other financial institution, but this is only possible if you are sending money from your personal non-Sable US Bank Account. Your bank account may be referred to as a checking account for setting up transfers or direct deposit.  You may be asked to verify your account through micro-deposits after which you will be able to easily send or request money to/from your Sable account by accessing your linked bank’s website or app.

Wire transfers typically process within a day, but may cost more. Check with your bank to get the exact processing times and costs.

To issue a direct deposit or wire transfer, go to your bank or online banking and provide the following information:

  • Beneficiary Name: Your Name
  • Beneficiary Address: Your Address (Mandatory for Wire Transfers)
  • ACH/ABA Routing number: e.g. 125109019
  • Account number: e.g. 8814442233

(check your own account and routing number in the Sable App by clicking on "See Details" in the Overview Screen)

You might also need the following details to make the transfer:

  • Bank name: Coastal Community Bank
  • Bank address: 5415 Evergreen Way, Everett, WA  98203

Your bank might also ask for the recipient address - this is your US address. It is important to provide the same address that we have on file for your Sable account

05
How to fund your account from outside the United States?

There are two options for you to fund your account with funds from outside the US:

1) Wise

How to fund your account with Wise?

  • When you initiate the transfer, you will need to enter the following details into Wise.
  • Payee Name: your own name
  • Routing number: you can see this in the app (125109019)
  • Account number: you can see this in the app
  • Wise will also ask for "recipient address" - this is your US address

Note: For more information on Wise, you can also visit: www.wise.com

If you have access to Wise, we recommend you use that, as it's almost always significantly cheaper than an international wire.

2) International wire transfer

How to fund your account using International wire transfer?

ATTENTION: We accept international wire transfers only from specific countries. Check if your country is on our list of approved countries for incoming wires.

You need to enter correspondent bank details:

  • Beneficiary/Correspondent Bank SWIFT: PCBBUS66
  • Beneficiary/Correspondent Bank Name: Pacific Coast Banker’s Bank
  • Beneficiary/Correspondent Bank address: 1676 N. California Blvd, Suite 300, Walnut Creek, CA 94596

You need to enter beneficiary details:

  • Beneficiary Account Number: 125109019
  • Beneficiary Name : Coastal Community Bank
  • Beneficiary Address : 5415 Evergreen Way, Everett, WA 98203

You need to add your Sable Account Information to the details / message field (for transfers initiated from India this may be shown as the student ID/reference ID field):

  • Payee Name: your name
  • Account number: you can see this in the app

Your home country bank might also ask for "recipient address" - this is your US address

Secured Credit
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