Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust - no matter where they bank. Zelle® is an easy way to send and receive money with friends and family – you know, those you know and trust – at different banks and credit unions, for all sorts of things.

Zelle (/zɛl/) is a United States–based digital payments network run by a private financial services company owned by the banks Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo.

The Zelle® app is only available to users whose banks and credit unions do not offer Zelle® directly to their customers. Because your financial institution offers Zelle®, you can use it directly through your banking app (and online banking, if available) to send and receive money.

Zelle is owned and operated by Early Warning Services, LLC, which is co-owned by seven of the nation's big banks. The payment app launched in 2017 as competition in the peer-to-peer space began heating up with PayPal's Venmo and Block's Cash App.

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.

The platform was developed as a collaboration between major American banks, including Bank of America, Wells Fargo, JPMorgan Chase, and others. Zelle offers a convenient way to send money, split bills, or make payments for various purposes, such as rent, utilities, and shared expenses.

You can send money to people1 you know and trust with a bank account in the U.S. When using Zelle®, at least one side of the transaction (sender or receiver) must have access to Zelle® through their bank or credit union. Don't know if your bank offers Zelle®? Check here to see if they offer Zelle®.

No, Zelle® can only be used to send funds to someone who has a bank account in the United States.

If your bank or credit union offers Zelle®, please contact them directly to learn more about their sending and receiving limits through Zelle®. If your bank or credit union does not yet offer Zelle®, your weekly send limit is $500 and your weekly receive limit is $5,000 in the Zelle® app.

Zelle is only available for customers with a US bank account and US registered mobile number. That means it's not an option for sending international payments to friends and family overseas.

Frequently Asked Questions About Zelle in India No, you cannot send money to India with Zelle, as Zelle is available only in the US. The payment app only allows you to send money from one US bank account to another, meaning both the sender and the recipient must have US bank accounts.

The Zelle Network® connects more than 1,800 financial institutions of all sizes, enabling consumers and businesses to send digital payments to people and businesses they know and trust with an eligible bank account in the U.S. Money is available directly in bank accounts generally within minutes when the recipient is ...

Zelle can only be used by customers in the US with local bank accounts and phone numbers - you can't make a Zelle payment to someone in Mexico. Check out alternatives like Wise for low cost international transfers to Mexico.

UPI allows for interoperability between different banks, which means that users can transfer money between different banks seamlessly. Real time payments adopted in the U.S. by over 400 financial institutions through the likes of Zelle does not allow for this interoperability.

Bank or Wire Transfer: It is one of the most common, efficient and rapid means of money transfer to India. Wire transfer is through your bank. The bank levies a fee depending on the amount. The bank offers exchange rates.

How to send money with Zelle®

1. ACCESS ZELLE® Get started by enrolling your email or U.S. mobile number through your mobile banking app or with the Zelle® app.
2. PICK A PERSON TO PAY. Enter the preferred email address or U.S. mobile number of the recipient.
3. CHOOSE THE AMOUNT. Enter the amount to send.