Sable Bank Review


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ATM LIMIT: $750 / day



APP: iOS, Android





LOADING OPTIONS: Bank transfer or Check



What Is Sable Bank? 📖

Sable Bank is a growing financial service that’s known for its purchase protection and cashback rewards. You’ll also get free international transfers when you opt for Sable bank, and you don’t need to make an opening deposit or pay a monthly maintenance fee. However, you won’t be able to deposit checks as a Sable bank customer. Let’s take a closer look at some of the key benefits and drawbacks associated with Sable bank.

How Does Sable Bank Work? 👨‍🏫

The lack of monthly maintenance fees and opening deposits have proved to be highly appealing to many Sable customers. Sable does offer cash back, but you can only earn a maximum of $300 in these rewards, which equates to just $25 a month on average. Although you can deposit checks and withdraw money at ATMs as a Sable customer, you may be charged for doing this by the owner of the machine. Nonetheless, many customers won’t find this too off-putting after considering the perks offered by Sable.

Key Features of Sable Bank ⚙️

Sable won’t charge you monthly fees. You can also avoid overdraft and foreign transaction charges when you become a Sable customer. You can only earn cashback on purchases that you make with specific partner retailers. These include Hulu, Spotify, Whole Foods, Uber, Netflix and Amazon. One big draw of Sable is that it comes with purchase protection. You won’t be liable for any purchases that are made fraudulently with your Sable account. There are also extended warranties to give you longer protection on certain items that you buy.

If you’re a regular traveller, the Mastercard Travel Concierge services that come with Sable may be attractive to you. This facility means you can get access to cash advances, travel assistance and replacement cards if you find yourself in a difficult situation away from home. Sable is partnered with Wise, the multicurrency account specialist. As a result, you can receive discounted international money transfers once you’ve signed up with Sable.

A Sable Bank credit card is also available, though you don’t need to accept one of these if you don’t want one. However, you don’t need to go through a credit check to apply for a card. The card comes complete with car rental insurance and protection for your cell phone. You’ll also get a maximum 2% cashback on eligible purchases.

As mentioned previously, there are some drawbacks you need to be aware of. You can’t make mobile deposits via the app, which means check deposits are not on offer. Even though the service acts like a standard checking account, you can’t actually write checks. If this is likely to cause problems for you, you may wish to look elsewhere for a service that supports this. Although Sable won’t charge you to withdraw your cash, it isn’t partnered with any ATM networks. This means you could be charged when you do want to withdraw money from your Sable account.


How Much Does Sable Bank Cost? 💸

You don’t need to pay anything to become a Sable account customer. However, there is a big chance you will incur a fee if you do want to withdraw physical cash from your account. This may be a dealbreaker for prolific cash withdrawers keen to keep fees to a minimum.

The Sable Bank App 📱

The Sable Bank app is available for users of the Android and iOS platforms. However, it’s important to note that you can’t make mobile deposits with the app at the time of writing.

Is The Sable Bank Safe and Secure? 🔒

Any money held in your Sable Bank account will be protected up to $250,000. Sable Bank works with Coastal Community Bank, Member FDIC to keep your money safe.

Advantages of Sable Bank 👍

  • Modest fees
  • Cashback rewards
  • Purchase protection
  • Travel concierge service
  • International transfer discounts

Disadvantages of Sable Bank 👎

  • Can’t write checks
  • No mobile deposits

Conclusion 💭

Like many bank accounts available in the US, Sable Bank comes with a range of pros and cons. It’s important to think very carefully about what’s on offer and whether it’s right for you before you go ahead and open an account with Sable. Many people will find the inability to make mobile check deposits through the app frustrating. However, it is possible to move cash in and out of your account via several methods.

You can deposit cash into your account through an incoming ACH transfer. You’ll just need access to the relevant routing and account numbers to make this happen. Incoming domestic wire transfers are also available, but you will be charged $3 for each transfer. You’ll also need to pay $15 for incoming international transfers. Your employer can also send payments directly to your Sable bank account.
You can also deposit cash into your account with a participating merchant. These currently include Walmart, Kroger, CVS and Rite Aid. Although Sable Bank won’t charge you for this, it’s likely that the retailer will. The bank’s partnership with Wise allows you to receive cash from international sources. You can also get payments from the likes of Zelle, Venmo and PayPal.

If you want to send an outgoing domestic wire transfer, this will cost $5. However, you can’t send global wire transfers from your Sable bank account currently. If an ATM accepts MasterCard, you will be able to withdraw money from it.

You shouldn’t face much difficulty with getting in touch with a member of the Sable Bank customer service team. You can reach them via several methods, which include calling them on 833-583-8383. A live chat facility is also available. However, both the live chat and telephone banking service are only available on weekdays. Another way to contact a customer service advisor and get the help that you need is to send an email to If you need to write to Sable Bank, you can send your correspondence to the following address: 1411 Broadway, 16th Floor, New York, NY 10018. Sable bank won’t be for everyone, but it could be suitable for you if you want to avoid high fees, receive cashback and don’t mind being unable to write checks.


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