Security

Security

Only Send Money to Friends, Family and Others Your Trust

Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust - no matter where they bank1.

It's important that you know and trust those you send money to.

Because once you authorize a payment to be sent, you can't cancel it if the recipient is already enrolled in Zelle®. Why? Because money moves quickly - directly into the recipient's bank account typically within minutes1.

Security and Sending Money Safely

You don’t need to share sensitive financial or personally identifiable information when sending or receiving money with Zelle®. When using Zelle® directly through your bank or credit union’s banking app, the only information you’ll need to share is an email address or U.S. mobile number tied to a bank account in the U.S. Additionally, authentication and monitoring features are in place to help make your payments secure when you’re sending and receiving money.

Resources & Tips for Sending Money Safely

  1. Confirm your recipient’s contact information. Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact your friend to double check.
  2. Beware of payment scams. If an offer sounds too good to be true, it probably is. For example, is a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle®? Think twice. Make sure you only send money to people you personally know and trust.
  3. Understand your payment options. If you don’t know a person or aren’t sure you’ll get what you paid for, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your credit card to see what’s offered. Unlike a credit card, Zelle® does not offer a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item or the item is not as described or as you expected.

If you’d like more information on peer-to-peer payments safety, check out these articles from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB).

Helpful Tips for Using Mobile Payments Services and Avoiding Risky Mistakes
Tips on Using Peer-to-Peer Payment Systems and Apps
How to Keep Your Personal Information Secure Online

Report a Scam

Click here for information about fraud/scams and how to report these transactions.

Responsible Disclosure Program

If you are a security researcher and would like to report a vulnerability that you believe you’ve found in Zelle® or any products of Early Warning Services* (the company behind Zelle®), we would like to work with you to investigate the issue. We ask that you do not disclose your finding publicly, and allow a reasonable timeframe for us to address your report. Our responsible disclosure program is currently managed by HackerOne.

*About Early Warning Services, LLC

Early Warning delivers innovative payment and risk solutions to financial institutions nationwide. For over 30 years, Early Warning has been a leader in technology that helps move money fast, safe and easy. We serve a diverse network of approximately 2,500 financial institutions, government entities and payment companies. For more information, visit www.earlywarning.com.

Zelle® Newsroom | Company News, Press Releases & Updates

Newsroom

Data Center            Press Releases            Media Inquiries            Factsheets

Zelle® Picks Up the Fare: Free NYC Ferry Rides Every Thursday in October

New Zelle affordable date night guide highlights budget-friendly experiences and local small businesses across the New York City boroughs. Kickoff event on St. George line October 1.

Learn more

Media Factsheets

Social Media Scams    |    Zelle and Scams    |    Foreign Scam Centers    |    How to Spot a Scam

Press Releases

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Blog Posts

How to Receive Money With Zelle®
Receiving money with Zelle is typically quick and straightforward. If you’re already enrolled through a participating bank or credit union, the money is generally deposited directly into your connected account
Read More
How to Enroll in Zelle®
Looking to enroll in Zelle? Start by signing into the mobile app or online banking experience of a participating bank or credit union. Find Zelle in the payments or transfers
Read More
How Do I Access Zelle®?
Looking for the Zelle app? Start with your bank or credit union. If you've searched for “Zelle app,” “Zelle app download,” or “download Zelle,” you're probably looking for the fastest
Read More
How to Use Zelle®: A Simple Guide to Getting Started
What to Know Zelle is a fast and convenient way to send and receive money with people and small businesses you know and trust. You can typically access Zelle through
Read More
What is Zelle® and How Does It Work?
Learn what Zelle is, how it works, and how people use it to send and receive money through participating banks and credit unions.
Read More
Traveling the Country: Protecting Consumers. Stopping Scammers.
As fraud tactics continue to evolve, education remains one of the most effective ways to help people protect themselves. Many scams begin by exploiting trust or compromising personal information well
Read More
The Holiday Money Shift: What the Data Says About How Americans Actually Want to Pay
Every holiday season brings the same familiar rush. Packed shops, porch deliveries, pop-up markets, and hot cider in paper cups. But look a little closer, and there is a quieter
Read More
How to Spot a Scam: Common Warning Signs to Know
Protect yourself, your family, your community, and your finances.
Read More
Small Businesses Get Their Own Handle with Zelle® Tag
Banks and credit unions offering Zelle for small business account holders are rolling out a new feature: the ability to create a small business Zelle tag.
Read More
We’re Evolving How Consumers Send Money With Zelle®
With the vast majority of people using Zelle® through their online banking app, we are making a change to our Zelle standalone app.
Read More

Media Inquiries

You can find answers to common questions from the media in our Media Data Center. For media inquiries only, please contact press@zelle.com. For content creation and influencer partnerships, inquiries should be directed to partnerships@zelle.com. We will not respond to any requests sent to the media inbox that fall outside media inquiries.

Dashboard

Digital Payment Education

PAYING IT SAFE

Digital Payment Education

We’re here to empower you with knowledge on using Zelle® safely and avoiding common scams. Explore resources, test your knowledge and get new tips on how to keep your money safe in a digital world.

P2P Safety 101

Only Send Money to Those You Trust

With Zelle®, you can send money from your account to someone else’s within minutes1. It’s a great way to pay friends, family, your co-workers and others you trust, even if they bank somewhere different than you do1.

Beware of Payment Scams

While using Zelle® is a fast way to send money, it’s important to slow down and keep an eye out for signs of a scam. If you detect suspicious activity, contact your financial institution directly.

Treat Zelle® Like Cash

With Zelle®, money goes directly into the enrolled recipient’s bank account. Always double check you have the recipient’s correct U.S. mobile number, email address, or Zelle® Tag so the money goes to the right person or small business.

view more tips for safe payment

Understanding Fraud & Scams

It’s important to understand the differences between fraud and scams because there may be differences in the protections available to you.

Learn more about fraud and scams

Looking for quick tips on how to spot scams?

Scroll through the topics below to explore quick videos on how to spot common tactics.

Watch Video about Ticket Scams

Ticket Scams

That amazing last-minute deal on tickets might be too good to be true after all... learn how to help identify potential ticket scams.

Watch Video
Watch Video about Job Scams

Job Scams

Looking for a job? Learn tips to help spot suspicious job posts, business imposters, and fake recruiters.

Watch Video
Watch Video about Marketplace Scams

Marketplace Scams

Know what red flags to pay attention to when browsing online marketplaces and learn how to help avoid falling for a scam.

Watch Video
Watch Video about Social Engineering

Social Engineering

Understand the process of social engineering and how basic psychological tactics are used to gain your trust.

Watch Video
View All Videos

Zelle® for Businesses | Send and Receive Business Payments

FOR SMALL BUSINESS

Use Zelle® to help make business seamless.

When a loyal customer needs to settle an invoice in a pinch, or you’re splitting supplier costs with a fellow shop owner, or you want to send a thank you bonus to your best employee – using Zelle® ensures your money gets there when it counts.

WHY USE ZELLE® FOR YOUR SMALL BUSINESS?

Pay employees and suppliers easily.

You can send money with Zelle® to pay eligible suppliers, pay bills such as your business rent and even your employees1. Just remember to only send money to those you know and trust.

WHY USE ZELLE® FOR YOUR SMALL BUSINESS?

Get paid on the go.

Using just your business email address, U.S. mobile number or Zelle® tag3, customers already enrolled at their bank or credit union can use Zelle® to pay you on the spot, right from their banking app.

WHY USE ZELLE® FOR YOUR SMALL BUSINESS?

Fast cash flow

With Zelle®, money is sent directly to your business account in minutes1, so there’s no need to wait for a check to clear.

You can use Zelle® to

Receive money from your customers

Request money from your customers4

Send money to your customers or vendors

Send payments to employees

Join millions who trust Zelle® to send and receive money, even if they bank somewhere different than you do! Contact your bank or credit union to see if they offer Zelle® to eligible small businesses to get started.

How Zelle® works for small businesses

Enroll in Zelle®

Small Business owners with a qualifying account can enroll in Zelle® through their banking app with simply an email address, U.S. mobile number or Zelle® tag3.

Customer initiates payment 

Customer uses their mobile banking app to send a payment to a small business they know and trust.

Payment notification received

The money goes directly into the business owner’s account and is available to use, typically within minutes. The recipient receives a payment notification. That’s it!

Personal

FOR PERSONAL USE

Why Use Zelle®

Need to get paid back for covering the cost of the group vacation? Splitting the bill for birthday brunch with friends?

You want to be able to send and receive money with confidence, and that’s why you use Zelle®.

WHY USE ZELLE® FOR SENDING MONEY?

It’s in a lot of banking apps.

Zelle® is already in over 2,400 banking apps, and probably yours! Whether you're chipping in on a surprise gift for someone you love, or your friend covered brunch, and you want to pay them back today, Zelle® delivers your money directly through your banking app, right when it's needed most.

WHY USE ZELLE® FOR SENDING MONEY?

You can use with friends at other banks.

Zelle® works between U.S.-based banks1, so distance and different banks won't stop you from being there when it counts. Even if you and your family bank in completely different places, you can still send and receive money, making sure your care reaches them exactly when they need it.

WHY USE ZELLE® FOR SENDING MONEY?

Zelle® is free for customers.​2

When you send money to people you care about, your generosity shouldn't come with fees. Save that money for the things that matter, like making more memories together.

Things you can do with Zelle®

Send Money

Zelle® is available within most banking apps, so you can easily send money directly from your eligible bank account.

Use Zelle® to send money to those you know and trust.

When your friend needs help with groceries before payday, or you want to chip in for your mom's birthday surprise, or it's your turn to cover movie night snacks, using Zelle® ensures your money gets there. Because at Zelle®, we know there's more to money than a dollar amount. Care is our true currency, and we deliver it seamlessly in the moments that matter most.

See if your bank or credit union offers Zelle®

Get Started

How to start sending and receiving with Zelle®

Access Zelle®

Zelle® is available in over 2,400 banking apps in the U.S. To find out if Zelle® is in yours, search for your bank or credit union using our participant directory here. If your financial institution offers Zelle®, you can get started by enrolling your email or U.S. mobile number through your mobile banking app.

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. Whether it's helping out in a pinch or celebrating something special, Zelle® connects you to anyone you know and trust who is enrolled with Zelle®.

Choose an amount to send.

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

Zelle® | Send and receive money directly to and from your bank account

Here for you, so you can be there for themSM

With Zelle®, the money goes directly into your bank account. That means it's easy to get paid back or send money to a friend. 

Send money to friends and family quickly, even if they bank somewhere different than you do.¹ The money goes directly into their bank account, so you can focus on what really counts – being there for the people you care about.

See if your bank or credit union offers Zelle®

Zelle® is already in over 2,400 banking apps

View All Banks

Digital Payment Education

We’re here to empower you with knowledge on using Zelle® safely and avoiding common scams. Explore resources, test your knowledge and get new tips on how to keep your money safe in a digital world.

Learn More

Tips for Safer Payments

Digital payments continue to grow across the U.S. And with issues like identity theft and other cybercrimes on the rise, it’s important to know what you can do to help protect yourself.

Learn More

Understanding Fraud and Scams

As a consumer or small business owner, it’s important to understand how fraud and scams are defined because there may be differences in the protections offered by your bank or credit union.

Learn More

Partnerships

Zelle® is proud to partner with Los Angeles Football Club as a Golden Boot Club corporate partner and the official peer-to-peer payment provider of LAFC. Through the Zelle and LAFC partnership, fans can enjoy an enhanced matchday experience at BMO Stadium, including exclusive benefits through LAFC Gold, the Zelle® Grand Lobby, and in-stadium moments like “Settle up in the 70th.” Together, Zelle and LAFC are also committed to giving back to the Los Angeles community through charitable initiatives that support local organizations and create meaningful impact across LA each year.

Learn More

Ways to use Zelle®

Split the cost for the late-night study break pizza.

Pay your fave nail tech for an unforgettable manicure.

Get paid back for being the best “team Dad” this weekend.

Send your aunt money for a birthday shopping spree.

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Zelle® Support and Contact Information

Contact Zelle®

How can we help?

Contact support

Need help with a Zelle® issue?

Contact us for assistance with payment related questions or other issues while using Zelle®.

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Read about Our partners

Our Partners

Want to join our growing list of bank and credit unions that offer Zelle®?

Find out how

Need help with Zelle® through your bank or credit union's online or mobile banking service?

Our partner financial institutions handle all enrollment and payment related issues with Zelle® in their mobile app and online banking. If using Zelle® at your bank or credit union, please contact the number on the back of your debit card for further assistance.

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