Why Use Zelle® to Send Money to Friends & Family?

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® when it counts.

WHY USE ZELLE® FOR SENDING MONEY?

It’s in a lot of banking apps.

Zelle® is already in over 2,300 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 care directly through your banking app, right when it's needed most.

WHY USE ZELLE® FOR SENDING MONEY?

You can use it 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.

Receive Money

Zelle® is available within most banking apps, so money received with Zelle® goes directly into your eligible bank account.

Request Money

To request money using Zelle®, search for friends and family members by entering their enrolled email, U.S. mobile number, or Zelle® tag.

Split an Expense

In some banking apps, Zelle® makes it easy to split an expense with friends and family through the split feature.

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 when it counts. 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 2,300 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® with an eligible bank account in the U.S., your care 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.