Zelle® Blog
November 05, 2018

Sending Money Safely with Zelle®

Millions of dollars are safely sent with Zelle® every day. For splitting meals. For paying your share of the rent. For helping out a friend short on cash. And for lots of other reasons.

But whether you just enrolled with Zelle® or have been an active user for a while, there are a few tips you should always keep in mind to ensure you safely send money.

Only Send Money to People You Know and Trust

Money moves fast with Zelle®. Directly from bank account to bank account within minutes1. So it’s important you know and trust the people you’re sending money to.

Why is trusting someone critical? Because you can’t cancel a payment once it’s been sent, if the recipient is already enrolled with Zelle®. And if you send money to someone you don’t know for a product or service you might not receive, you may not get your money back. Keep in mind that sending money with Zelle® is similar to sending cash.

Also, beware of payment scams. One example of a payment scam is buying concert tickets from a stranger and never receiving them. If the seller asks you to use Zelle® to purchase the tickets, you should refuse unless the seller is a person you personally know.

Zelle® does not offer a protection program for authorized payments made through the service. So if you aren’t sure you will get what you paid for, you should use another payment method with purchase protection, such as a credit card. Or play it super safe: don’t proceed with the transaction at all.

Check out this video to learn more about how Zelle® works.

friends walking together

Make Sure You Have the Correct Mobile Number or Email Address for Your Recipient

Did your friend Susie change phone numbers recently? It’s easy for people to change their phone number or email address.

When in doubt, contact your friend to double check what email or phone number she used to enroll with Zelle® before you hit “send.”


This is important: Again, because you can’t cancel a transaction if a person has already used a mobile number or email address to enroll in Zelle®.

So you need to make sure you’re using the right contact information for the recipient.

Zelle® is offered by banks and credit unions of all sizes across the U.S., and it’s a fast, safe and easy way to send and receive money with people you trust. Like your babysitter. Your fellow PTA mom. Your son’s soccer coach. Or your coworker.

Whether you are using Zelle® through your banking app or through the Zelle® app, keep the above tips in mind, so you can continue sending money safely.

If you’d like more information on peer-to-peer payments safety, check out these articles from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB).

Helpful Tips for Using Mobile Payments Services and Avoiding Risky Mistakes
Tips on Using Peer-to-Peer Payment Systems and Apps
How to Keep Your Personal Information Secure Online