Zelle® has partnered with leading banks and credit unions across the U.S. to bring you a fast, safe and easy way to send money to friends and family. Money moves quickly - directly from bank account to bank account. If your bank or credit union offers Zelle, you already have it in your mobile banking app or online banking – if they don’t, the Zelle app will make it easy for you to send money to enrolled Zelle users that already have access through their financial institution.
Zelle. This is how money moves®.
Using just your recipient’s email address or U.S. mobile number, you can settle up simply and safely with almost anyone you know and trust. Even better, Zelle does not charge any fees to use the service. (Mobile carrier or bank fees may apply).
1. Download the Zelle app.
2. Enroll using a Visa® or Mastercard® debit card linked to a U.S. checking account; or
3. Enroll your U.S. checking account by using your online banking username and password, if your bank supports this feature*.
4. Choose a person to pay, or request money from, by entering their U.S. mobile number or email address.
5. Confirm the amount and hit send. If they’re already enrolled with Zelle, they’ll typically get the money in minutes. If they aren’t, they will be notified and can follow a few simple steps to complete the payment.
*Some banks allow customers to enroll in the Zelle app using their online or mobile banking username and password.
Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC
You must have a bank account in the U.S. to use Zelle.
Zelle Positive Reviews
Terrible customer serviceA monthly debit into my account, that’s been regularly happening for five years, all of a sudden couldn’t happen today. I quickly figured out that I needed to change my debit card on my profile and tried to do so on the app. The app wouldn’t let me do it and said that I had to contact them.
So, I called customer service and after waiting for 15 minutes to get a hold of someone, all I got was someone reading a service manual and who simply repeated my own words back to me for 6 minutes. He finally puts on hold, only to tell me that I have to call them back. He gave me a case number.
I waited a few hours and tried to change my debit card on Zelle’s website. THE WEBSITE ADOES NOT LET YOU DO THAT so I’m stuck calling them again! The second call resulted in a 25-minute wait to get a hold of someone.
This customer service rep told me that based on their “proprietary algorithm that he cannot share with me” they put a 24-hour hold on my account and I have to wait until tomorrow to change my debit card. I simply couldn’t understand why they would take it upon themselves to be so disruptive WITH MY ACCOUNT AND MONEY so I asked to speak with his supervisor. The rep said his supervisor is not available and he will put me on queue to get a callback. 🤬
Completely random nonsense that I will not put up with. 😡.Version: 2.2.5
The JOYS of money!To be honest I was a little skeptic about it, then once I downloaded it and played around with it, I knew I was going to be using this FOREVER! No waiting for the weekend to be over to receive your money, no 5-7 business days on waiting either for your money to be sent over, no hassle on asking if anyone or I have received the money. This app literally allows the money being sent over to go straight into your card with no holds, no fees, no hassle at all. Me, my family and friends use this app all the time when one has forgotten money or their wallets- LOL! I can say that using this app really is a life saver.
Only, ONE bad thing I do have to say is that you can’t send others money unless you have their correct mobile phone numbers. I’ve tried to see if I can add people through my contacts but it only allows to input numbers, like literally I gotta grab a pen and paper to write down peoples numbers because once you input a number or an incorrect phone number it’s a good bye to whoever you’re sending money too. So make sure the number you’re sending money to is ALWAYS CORRECT! I hope that they do update this app and allow us to add friends on here..Version: 2.5.2
Zelle’s Niche is your bank.Zelle would be the perfect digital checkbook, if they could convince banks to treat them like a separate, trusted app. Instead, most of the time it gets reduced to a crappy widget hidden in online banking apps.
If you’re the typical Zelle customer, Zelle has the ability to instantly add money to your traditional bank account as soon as you get paid. No more bogus 2-business-day transfers or 1% transfer fees. In a world where everyone keeps a bank account that uses Zelle, Zelle would be perfect. Your checks, debit card, savings account, and ATM access would be joined by a powerful, simple mobile app that allows you to pay someone using your bank without having an external balance (which is the case for Venmo, Apple Cash, Google Pay, PayPal, and so many others). This is Zelle’s leg up on the competition.
Unfortunately, Zelle’s features themselves typically are only available through the mobile banking app that your bank offers, leaving it subject to frequent log-outs and wonky security barriers that the average user isn’t able to deal with in casual situations. This makes asking people to “pay me with Zelle” in the moment a non-option and largely defeats the purpose of the app..Version: 4.8.0
Error fixed promptlySomeone had sent me some $$ so I had to set up this app. So when I went to set up the app it gave an error because my bank is not high profile so I just called them ...they asked some questions and they fixed error in a very efficient and timely manner. Very polite and though I know it takes a little time to see what was wrong, patient would be the word I would use for folks who don’t have any. I read a review that seemed quit completely incorrect in facts. In review a lot of business and it is important to support business. When there is a problem we should be respectful to the process as people are not machines but performing a service as protocol and process evolves.
I have reviewed business with low stars to help them positively and respectfully that they can make the adjustments needed to customers satisfaction and resolve any further conflicts or concerns.
Thank you ZELLE for being very professional and communication with tech department was outstanding..Version: 1.4.1
The App is GREAT but needs a few things...I love this app! It’s saved me a lot of time and trouble. There are a few things I’d like to see added/changed... 1) a higher weekly limit. I pay my housekeeper every week, plus other people for random things. The weekly limit has stopped me from sending money several times. It’s aggravating. 2) I like the ability to search your contacts to find people but when I add a phone number that’s not in my contacts, I’d like to be able to add info to the number and it be in Zelle the next time I go to use the app. Lastly, 3) There is an annoyance that comes with having to log in as a new user each time I access Zelle. The app tells me I’m logged out (which is great & protects my bank account) but gives me no way to log back in. I have to sign in as a new user each time. Other than those few things, the app is great!.Version: 1.2.1
Dual SIM doesn’t work when one is international.I have my international SIM and my US SIM on my iPhone with the eSim functionality. Life is easy without having to carry two phones but Zelle forbids me from logging in. Upon asking the representatives, they say that only when I have the US SIM being the only card in the phone can I log in to my account. This is inconvenient as I have to disable my international SIM and reboot every time I want to send my friends some money.
I hope in future versions, they fix this issue. In principle, I think that as long as you are using the correct phone number on your phone, you should be able to log in, regardless of the existence of a second SIM card on your phone. The fact that the app thinks I am not using my US SIM is just ridiculous. I was literally using that number, not to mention that I use cellular data only on my US SIM. I have my international SIM card’s data turned off 100% of the time..Version: 6.2.1
Very convenient until they mess upI had tried Zelle out a few times for some online purchases from art shops, it works fine until one attempt I made for a $500 purchase never made it to the recipient. I double and triple checked with the person if they had received the money but nothing went through, turns out Zelle had been having app troubles where the money would be withdrawn from the senders account but not sent to anyone it just “disappears” (very sketchy if you ask me). Upon contacting Zelle’s customer support I received information that the money would be refunded in 5-7 business days, once that didn’t happen I called back and they said it’s going to be 10-30 business days actually. So I’m writing this review on day 29 of waiting for my refund to just warn others that these inconveniences can happen and can be very bad if someone were to need that money to survive..Version: 5.9.0
Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!Version: 7.4.0