Zelle® | A fast and easy way to send and receive money

What's Zelle®?
Glad you asked!

Zelle® is a great way to send money to friends and family, even if they bank somewhere different than you do.¹ That means it’s super easy to pitch in or get paid back for all sorts of things like coffee for your coworkers or dinner with friends. Zelle® is already in lots of banking apps, so look for it in yours today.

How to send money with Zelle®

ACCESS ZELLE®

Get started by enrolling your email or U.S. mobile number through your mobile banking app or with the Zelle® app.

PICK A PERSON TO PAY

Enter the preferred email address or U.S. mobile number of the recipient. You can send money to almost anyone¹ you know and trust with a bank account in the U.S.

CHOOSE THE AMOUNT

Enter the amount to send. Your recipient gets a notification explaining how to complete the payment, simply and quickly.

Why Use Zelle®

man and woman sitting on the beach in beach chairs

It’s in a lot of
banking apps.

Zelle® is available in the mobile banking apps of more than 1,700 financial institutions, and probably yours! So, whether you’re paying the babysitter to watch the kids on date night or paying back your buddies for some takeout, sending money with Zelle® means never having to download another app.

a group of friends sits around a table holding drinks

You can use it with friends at other banks.¹

Zelle® works between U.S.-based banks. Which means, even if you bank somewhere different than your friends and family do,¹ you can still use Zelle® to safely send and receive money straight from your banking app.

two friends are in a crowd looking at one's phone

Zelle® is free¹ to use.

When you send money to friends or family, it won’t cost you any extra money for the transaction.¹ Which is good, because there are way better things to spend money on, like concert tickets… or vacations.

Frequently Asked Questions

Does Zelle® report how much money I receive to the IRS?

These FAQ are for informational purposes and only relate to the Zelle Network®. Zelle® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional.

Someone sent me money with Zelle®, how do I receive it?

If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account associated with your profile, typically within minutes¹.

What if my bank or credit union doesn't offer Zelle®?

Don’t worry! Our network of participating financial institutions is always growing, and you can still use Zelle® by downloading the Zelle® app for Android and iOS.

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What's Zelle®? Glad you asked!