What’s Zelle®?
Glad you asked!

Zelle® is a great way to send money to friends and family, even if they bank somewhere different than you do.1 That means it’s super easy to pitch in or get paid back for all sorts of things like the neighborhood block party or getting paid back for covering the cost of a vacation rental for a group of friends. Zelle® is already in lots of banking apps, so look for it in yours today.

Man and woman looking at each other man holds phone


How to send money with Zelle®



Get started by enrolling your email or U.S. mobile number through your mobile banking app or with the Zelle® app.



Enter the preferred email address or U.S. mobile number of the recipient. You can send money to almost anyone1 you know and trust with a bank account in the U.S. 



Enter the amount to send. Your recipient gets a notification explaining how to complete the payment, simply and quickly.

You can send money with Zelle® for all kinds of things. And, did we mention it’s fast? Like money-straight-into-your-bank-account-in-minutes1 fast. Watch to learn more and how you can Pay it Safe when using Zelle®.

Why Use Zelle®

Friends share pizza and salad on coffee table

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.

Couple sits in back of van with their phone

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.

Man sits on stairs with dog

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.

Get started with your bank or credit union.

Frequently Asked Questions

Does Zelle® report how much money I receive to the IRS?

Zelle® does not report transactions made on the Zelle Network® to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network®.

Someone sent me money with Zelle®, how do I receive it?

If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account associated with your profile, typically within minutes1.

I’m receiving an error message that my card is ineligible. Why?

First, make sure that you are enrolling a Visa® or Mastercard® debit card tied to a bank account in the U.S. You will not be able to enroll business debit cards, credit cards, cards linked to international accounts, gift cards or pre-paid cards from financial institutions outside of the Zelle Network®.