About the Zelle Network®

About the Zelle Network®

Home / About the Zelle Network®

Hundreds of banks and credit unions of all sizes across the U.S. currently offer Zelle® in their banking apps or online banking. By participating in the Zelle Network®, financial institutions are able to offer Zelle® directly to their customers, giving them a fast, safe and easy way to send and receive money in minutes with friends, family and businesses they trust - even if they have different banks1.


What if my bank isn’t in the Zelle Network®?

Today, over 100 million people have access to use Zelle® directly through their banking app – no additional downloads necessary! But, even if you don’t have Zelle® available through your bank or credit union, you can still use it! Simply download the Zelle® app in the App Store or Google Play and enroll an eligible Visa® or Mastercard® debit card. After you enroll, you can send and receive money with confidence to almost anyone you trust. Find out if your financial institution offers Zelle®.

Important: While you can typically use Zelle® with people at different banks, at least one person must have a bank in the Zelle Network in order to send and receive money.


How Does Zelle® Work:

When you enroll with Zelle®, your name, your financial institution’s name and the email address or U.S. mobile phone number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with your bank or credit union). When someone sends money to your enrolled email address or mobile number, Zelle® doesn’t actually transfer the money – it looks up the email address or mobile number in its “Zelle Network directory” and notifies your financial institution of the incoming payment. Your bank or credit union then directs the payment into your bank account, all while keeping your sensitive account details private.

Learn more about how to use Zelle®