How to Send Money with Zelle
Send money quickly to anyone in the US using Zelle through your bank's app.
Steps
- 1
Open your bank's mobile app
and find Zelle in the menu. Many banks have Zelle built into their apps.
- 2
Enroll with Zelle
by accepting the terms and confirming your email or phone number. This is a one-time setup.
- 3
Select "Send"
and enter the recipient's email address or phone number. They must be enrolled with Zelle too.
- 4
Enter the amount
you want to send and add a memo if you like. Review the details on the screen.
- 5
Tap "Send"
to complete the transfer. The money usually arrives within minutes to the recipient's account.
Frequently Asked Questions
Does Zelle cost money?Show
Most banks include Zelle for free. There are no monthly fees or per-transaction charges.
What if I send money to the wrong person?Show
Contact the recipient and ask them to return it. Zelle cannot reverse the payment unless the recipient agrees.
How fast does Zelle work?Show
Most Zelle payments arrive in minutes. Some banks may take up to three days for the first transfer.
Can I use Zelle without a bank account?Show
No. You need a US bank account to use Zelle. The service is built into participating bank apps.
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Written by the HowToDoStuff.online editorial team. Last updated .