Frequently Asked Questions

What is STABL?

STABL is a Debit Card and personal finance management app. STABL is the only Debit Card that lets you take control of your spending by setting customizable spending limits, blocking transactions in real-time, and achieving dynamic savings goals.

How does it work?

STABL works like any other debit card, only it allows you to set spending limits across merchants, categories, specific times, locations, and more. After you set a spending limit, STABL will notify you as you approach your limit, and prevent you from overspending by blocking any transactions that would exceed the set limit. STABL also provides you with real-time notifications and insights to help you manage your finances effectively.

What are some of the limits I can set with STABL?

There are many ways you can set limits on STABL. You can set limits for a particular set of goods, a specific store, combinations of categories, times, and locations. Here are some examples of what you can do with STABL:
- "Let me spend $50 on new clothes when I've saved $500 this month"
- "Don't let me spend any money on junk food. Ever"
- "Only let me buy a cocktail if it's Friday night"
- "Stop me from buying coffees if I spend over $200 at Cafes this month"

Who can benefit from STABL?

Anyone looking to improve their financial management, reduce impulse spending, and achieve their savings goals can benefit from STABL. It’s ideal for individuals, families, and small business owners. STABL is also beneficial for those looking to make lifestyle changes that are dependent on their spending habits - for example those looking to lose weight may block out all fast food purchases.

How do I remove Limits?

Any limit set with STABL has a configurable cooling off period. This is the amount of time you have to wait before a limit can be removed. The default cooling off period is one hour, but those who are determined to stick to their limits may decide to increase their cooling off period to days, weeks or months.

Is STABL free to use?

STABL offers both free and premium plans. The free plan includes basic features, while the premium plan offers more customisation options, advanced tooling, AI powered recommendations and more for a small monthly fee.

What are dynamic spending limits?

Dynamic spending limits automatically adjust spending limits based on your goals and progress. For example, if you're on track to meet your savings goals, you can ask STABL to unlock additional spending categories or increase your savings targets. This feature keeps you motivated and helps you achieve your financial goals faster. Additionally, you can ask STABL to automatically lock down categories if you begin to go over your spending budget.

What devices are compatible with STABL?

STABL is compatible with both iOS and Android devices. The virtual card can be added to your digital wallet.