How to send money with Zelle

Safely send money to friends and family, no matter where they bank!1

Pitching in on snacks for couples’ game night? Need to get paid back for covering the group vacation? Zelle® is a great way to send money to friends and family, even if they bank somewhere different than you do.1 Plus, it’s in a lot of banking apps, probably yours! No worries if your bank or credit union doesn’t offer Zelle® yet – you can download and use the Zelle® app until they do.

Look for Zelle® in your banking app to get started.

See how Zelle® works

It's fast, safe and easy. Ready to start sending and receiving with Zelle®? Here's how.

STEP 1

Access Zelle®

Find Zelle® in the mobile banking app of our partners. If you already have your banking app on your phone, there's no download necessary. If your bank or credit union doesn't offer Zelle® yet, just download the Zelle® app to get started.

STEP 2

Pick someone (you trust) to pay.

Once you’re enrolled with Zelle®, all you need is an email address or U.S. mobile phone number to send money to friends and family straight from your banking app.1 From your kid’s babysitter to your college bestie, Zelle® can be used to send money to almost anyone you know and trust with a bank account in the U.S.1

STEP 3

Choose the amount to send.

Enter the amount you want to send. If your recipient is already enrolled with Zelle®, the money will go directly into their bank account, typically in minutes1. If they aren’t enrolled yet, they will get a notification explaining how to receive the money simply and quickly.

It’s in a lot of
banking apps.

Zelle® is in more than 1,000 banking apps, 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.

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.

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 houseplants…or babysitters.

You can send, request, or receive money with Zelle®. After you’ve enrolled, simply add your recipient’s email address or U.S. mobile number, the amount you’d like to send or request, review and add a memo, and hit “confirm.” In most cases, the money is typically available in minutes1. To receive money, just share your enrolled email address or mobile number with a friend or person you trust and ask them to send you money with Zelle®.  

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.

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.

How do recipients receive money from Zelle?

Can I use Zelle with any bank?