‎Zelle® on the App Store

For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Account fees (e.g., monthly service, overdraft, Small Business Account Analysis fees) may apply to Wells Fargo account(s) with which you use Zelle®. More than 2,200 banks and credit unions in the U.S. offer Zelle® to their customers through their mobile banking apps. What’s more, Zelle® users can send money to, and receive money from, enrolled, eligible bank accounts at different U.S.-based financial institutions—typically within minutes. 1 Zelle® should only be used to send or receive money with people you know and trust.

Envíe o Reciba Dinero con Zelle®

To send, request, or receive money using Zelle®2, you’ll need to enroll your U.S. mobile number and/or email address using your financial institution’s mobile app Zelle® experience. You can use a personal or an eligible business bank account to send and receive money with people you know and trust. To use Zelle®, both parties must be enrolled directly through their financial institution. Zelle makes it simple to send and receive money within the US. With no fees, fast transfers, and integration across thousands of banks and credit unions, it’s one of the most convenient peer-to-peer payment services available.

Who Owns Zelle?

With just an email address or mobile phone number, you can now quickly, safely and easily send money to more people. Zelle is best for sending payments to people you know and trust, like your friends or family. For example, if you went to dinner with friends and want to pay one of them back for your meal, you can use Zelle to send your friend $50. You can also use Zelle with certain service providers or small businesses, like babysitters, lawn care professionals and hairstylists. Zelle transactions typically take only a few minutes, and anyone using the platform can send and receive money fee-free. Zelle is a payments network that lets you send money easily, quickly and securely from your bank account to someone else’s bank account.

Ratings and reviews

Zelle started reimbursing some scam victims in late 2023 in response to a surge in Zelle-based scams and political inquiries. And, as of January 2025, Zelle still warns that you should treat Zelle like cash—once you send money, you might not get it back. Find a digital checking account with intro bonuses, low or no monthly fees and see current APY on checking. You can only enroll your phone number and email address with one bank account at a time.

Read on to understand how much you can send from the US internationally, including tips for sending large amounts. Read on to understand how much you can send from the US to India, including tips for sending large amounts. Read on to understand how much you can send from the US to the Philippines, including tips for sending large amounts. For international or purchase protection, other options may be better. We’ll also introduce the Wise account, which allows you to send, spend, and receive your money across the globe in over 40 currencies – all at the fair mid-market rate. And with issues like identity theft and other cybercrimes on the rise, it’s important to know what you can do to help protect yourself.

So unlike other digital wallets, where you have to top up before using the service, Zelle is simply a bridge between your account and the person you’re paying. Instead of sharing accounts or routing numbers, you can register with a US mobile number or email address, which links directly to your bank account. The type of banks that offer Zelle to their customers range from small local banks and digital banks to large national banks with branches throughout the country. The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International.

Organize a night out with friends

By selecting ‘Submit’, you will be taken to a website that will offer a different privacy and information security policy. You agree that the information you have provided is subject to our Privacy Notice. You also agree to receive the communications you have requested (including marketing zelle communications). Stablecoins have gained a lot more of Wall Street’s attention this year. While there’s ongoing debate about how quickly adoption among everyday users and financial institutions will ultimately pick up, their longer-term outlook has garnered growing recognition.

In the other states, the program is sponsored by Community Federal Savings Bank, to which we’re a service provider. That way, when someone sends money, all they need is the email or phone number you signed up with, making the process both simple and secure. We’re here to empower you with knowledge on using Zelle® safely and avoiding common scams. Explore resources, test your knowledge and get new tips on how to keep your money safe in a digital world.

• If you send funds to the wrong person or pay someone you don’t know, your bank may not be able to help recover them.
• Whether it’s across the hall or across the country, you can safely send and receive money with friends, family, and others you trust with a U.S. bank account.
• Have a look at our Apple Pay review – an in-depth look at its main features, fees, and security to help you decide if it’s the right platform for you.
• The mobile feature, Erica, is only available in the English language.
• To use Zelle®, both parties must be enrolled directly through their financial institution.

To discover tactics scammers use and to learn more about how to Pay it Safe with Zelle®, review the videos on /ZelleVideos. With Zelle®, money moves between U.S. bank accounts—typically in minutes when both users are already enrolled—and there are no third-party apps to download or separate accounts to maintain. And unlike other digital payment platforms, neither PNC nor Zelle® will share your transaction information on a public social network feed. 1 Zelle® is available in over 2,200 banking and credit union apps. Transactions between enrolled consumers typically occur within minutes.

• If you already have an account through your bank or credit union, there’s nothing more you need to do.
• Please use the below fields to provide the requested information so that we may best assist you.
• Zelle® is not responsible for and does not endorse the products, services or content that is offered or expressed.
• The company “always stays informed and evaluates emerging technologies/opportunities,” they added.
• Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

The PNC Mobile App installed on your Apple or Android mobile device

When using Zelle, always make sure you know who you’re sending money to by checking the recipient’s contact information and monitoring your account activity for any unauthorized payments. Zelle can be a great option for sending money to another person’s bank account, even if they have an account with a different financial institution. You can use your banking app to send and receive money with Zelle®. Once both sender and recipient are enrolled, money usually arrives within minutes. This makes it handy for everyday situations like splitting dinner or sending money to family. Zelle is the new way to send money directly between almost any bank account in the U.S., typically within minutes1.

Zelle® is a fast and easy service that allows you to send money to, and receive money from, eligible people and eligible small businesses who have a U.S. bank account. Money typically is sent from one account to another within minutes, provided both parties are enrolled with Zelle® through their financial institution. If your bank or credit union offers Zelle, you can use its online banking website to send or receive Zelle payments, even if you do not have a smartphone. However, if your institution does not offer Zelle, and you do not have a smartphone to download the Zelle mobile app, you will not be able to use Zelle. Yes, you do need a bank account or credit union account at a financial institution that’s part of the Zelle network. Zelle used to offer a standalone app that you could use without a bank account or credit union.

Since Zelle doesn’t hold funds, money moves directly between bank accounts, which adds another layer of reliability. Once linked, your payments will come directly from your debit card balance, and any money received will also be deposited into that account. That means it’s easy to get paid back or send money to a friend. By providing your mobile number you are consenting to receive a text message. All you need to send money with Zelle® is an enrolled email address or U.S. mobile number. A Zelle payment may be “pending” if the payment recipient hasn’t yet enrolled in Zelle.

Availability may be affected by your mobile carrier’s coverage area. Need to reimburse a friend, contribute to a group gift, or pay your babysitter? In the past, you might have paid your friends, family, and others in cash. Now, you can make those payments swiftly with Zelle®, right from the Wells Fargo Mobile® app. Partner with a global leader who puts your financial needs first.