Get started with the Zelle® app. GET THE APP ENROLL Enroll your mobile number and Visa® or Mastercard® debit card so you can start sending and receiving money. See how to send STEP 1 Look up friends from your contacts. You can send or request money from your friends right out of the contacts in your smartphone. STEP 2 Enter the amount you want to send. After you hit "Review," you’ll have a chance to confirm the amount you’re sending and enter in a clever memo to your friend. STEP 3 Your money is sent! The recipient gets a notification and you get a record of the transaction.