Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 bank and credit union apps - so it’s probably already in yours.

Zelle® rhymes with “tell” – as in tell your friends and family to use Zelle®. Phonetic spelling: Zell or /zel/

Typically, there are no fees for consumers to send or receive money with Zelle®. We recommend confirming with your bank or credit union that they do not charge fees for Zelle® transactions.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.¹

If it has been more than three days, we recommend confirming that you have fully enrolled your Zelle® profile, and that you entered the correct email address or U.S. mobile number and provided this to the sender.
 

Please check your bank or credit union’s support FAQs or contact their customer support team for help.

Don’t worry! Our network of participating financial institutions is always growing. Keep checking our Get Started page for the full list.

In order to use Zelle®, the sender and recipient’s must have U.S bank accounts.

If your bank or credit union offers Zelle®, you may be able to use their online banking site to send and receive money without a mobile device. We recommend asking your bank or credit union if they offer Zelle through their online banking site.

No, Zelle® payments cannot be reversed. With Zelle® money moves into an enrolled recipient’s account within minutes and cannot be reversed.

You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®. You can go to your activity page within the Zelle® experience, choose the payment you want to cancel, and then select “Cancel This Payment.”
 

If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Please contact your bank or credit union’s customer support team. Qualifying imposter scams may be eligible for reimbursement.
 

You may also report impostor scams to the Federal Trade Commission.