Zable, the consumer finance superapp known for reshaping how Brits borrow and manage their money, has officially entered the telecom sector. The company launched Zable Mobile — a high-speed, unlimited 5G plan priced at just £20 per month. The service runs on Vodafone’s 5G network and comes with no long-term contracts, hidden fees, or credit checks.

Built in partnership with Gigs, the Berlin-based “operating system for mobile services,” Zable Mobile is available exclusively to Zable’s two million existing customers—offering them an integrated way to manage both personal finance and mobile connectivity directly inside the Zable app.

A Fintech Giant Steps Into Mobile

Zable is the consumer arm of Lendable, the UK’s largest non-bank lender and one of the country’s biggest credit card issuers. Founded in 2014 by Martin Kissinger, Victoria van Lennep, and Jakob Schwarz, Lendable has built its reputation on transparent, AI-driven lending.

Now, with Zable Mobile, the brand is bringing the same philosophy — simplicity, fairness, and automation — to mobile plans. Customers can activate their plan instantly via eSIM or physical SIM, keep their existing number, and enjoy 10GB of monthly roaming across 38 European destinations.

CEO Martin Kissinger described the move as a response to how “telecoms today resembles borrowing before Zable — clunky, confusing, and full of hidden price hikes.” His message is clear: Zable wants to do to mobile what it did to personal lending — strip out complexity and rebuild trust.

Fintech Meets Telco: A Growing Trend

Zable’s move isn’t an isolated case — it’s part of a larger wave where fintech and telecom are increasingly intertwined.
Players like Revolut, Bunq, and N26 have already started adding phone or connectivity perks to their financial ecosystems, while digital-first carriers such as VOXI and SMARTY continue to attract younger, value-driven users with no-contract models.

By launching Zable Mobile, Lendable is effectively merging credit and connectivity — two of the most essential digital services for modern consumers. According to GSMA Intelligence, nearly 40% of global telecom users now prefer “digital-first” plans managed entirely through apps — a number expected to rise as eSIM adoption accelerates across Europe.

Powered by Gigs — and by Efficiency

The collaboration with Gigs gives Zable an immediate edge. Gigs enables companies to embed mobile connectivity into their apps and manage telecom operations without becoming full-blown carriers.

As Rafa Plantier, VP Go-to-Market at Gigs, explained:

“With lean digital distribution and near-zero acquisition costs, Zable Mobile can offer a premium plan at half the price of traditional operators.”

This business model is what’s shaking up the market — software-led MVNOs (mobile virtual network operators) like Gigs’ clients don’t rely on retail stores or legacy systems. They build, launch, and scale mobile plans as seamlessly as any digital subscription.

What This Means for the Market

Zable Mobile enters a crowded yet ripe UK market. While established MVNOs like Giffgaff, Lebara, and iD Mobile continue to offer value plans, few combine mobile services with financial management inside one ecosystem. That’s where Zable’s proposition stands out: a unified superapp for money and mobile.

The timing also aligns with two major industry shifts:

1. eSIM adoption—which is rapidly becoming mainstream across Europe, simplifying how users activate plans; and
2. Subscription fatigue—which drives consumers to prefer clear, flexible, all-in-one solutions.

If Zable can execute on customer support and maintain transparent pricing, it may well redefine what consumers expect from a mobile provider—particularly in a post-eSIM, digital-first era.

Final Take: The Rise of the Financial-Telecom Hybrid

Zable’s entry into mobile isn’t just another MVNO launch — it’s a signal of convergence. As financial and telecom services merge, superapps like Zable could reshape the market by offering smarter, unified, subscription-based ecosystems.

Traditional operators like EE and O2 have long struggled to modernize pricing models and user experience. Meanwhile, digital challengers are showing that customer trust—not coverage maps—will define the next phase of telecom loyalty.

By leveraging fintech efficiency, Zable Mobile could position itself as one of the most interesting disruptors in UK connectivity, joining the growing ranks of tech-driven MVNOs powered by platforms like Gigs, Holafly Connect, or Airalo+.

If this trend continues, the future of connectivity may well be managed not through your carrier’s portal but from your finance app. Zable Mobile esim

Zable Mobile at a Glance

• £20/month for unlimited 5G data, calls & texts in the UK (Vodafone network)
• No contract lock-ins or annual price hikes
• 10 GB roaming data across 38 European countries
• Instant eSIM or physical SIM activation
• No credit checks or hidden fees
• Available now to all UK-based Zable app users