Zelle® has partnered with leading banks and credit unions across the U.S. to bring you a fast, safe and easy way to send money to friends and family. Money moves quickly - directly from bank account to bank account. If your bank or credit union offers Zelle, you already have it in your mobile banking app or online banking – if they don’t, the Zelle app will make it easy for you to send money to enrolled Zelle users that already have access through their financial institution.
Zelle. This is how money moves®.
Using just your recipient’s email address or U.S. mobile number, you can settle up simply and safely with almost anyone you know and trust. Even better, Zelle does not charge any fees to use the service. (Mobile carrier or bank fees may apply).
1. Download the Zelle app.
2. Enroll using a Visa® or Mastercard® debit card linked to a U.S. checking account; or
3. Enroll your U.S. checking account by using your online banking username and password, if your bank supports this feature*.
4. Choose a person to pay, or request money from, by entering their U.S. mobile number or email address.
5. Confirm the amount and hit send. If they’re already enrolled with Zelle, they’ll typically get the money in minutes. If they aren’t, they will be notified and can follow a few simple steps to complete the payment.
*Some banks allow customers to enroll in the Zelle app using their online or mobile banking username and password.
Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC
You must have a bank account in the U.S. to use Zelle.
We make regular updates to our application to introduce new features, fix bugs, and enhance performance.
Ratings and Reviews
The JOYS of money!
To be honest I was a little skeptic about it, then once I downloaded it and played around with it, I knew I was going to be using this FOREVER! No waiting for the weekend to be over to receive your money, no 5-7 business days on waiting either for your money to be sent over, no hassle on asking if anyone or I have received the money. This app literally allows the money being sent over to go straight into your card with no holds, no fees, no hassle at all. Me, my family and friends use this app all the time when one has forgotten money or their wallets- LOL! I can say that using this app really is a life saver.
Only, ONE bad thing I do have to say is that you can’t send others money unless you have their correct mobile phone numbers. I’ve tried to see if I can add people through my contacts but it only allows to input numbers, like literally I gotta grab a pen and paper to write down peoples numbers because once you input a number or an incorrect phone number it’s a good bye to whoever you’re sending money too. So make sure the number you’re sending money to is ALWAYS CORRECT! I hope that they do update this app and allow us to add friends on here.
Developer Response ,
Thanks for the great review, we're glad you like using Zelle! Our app does pull from your contacts if you allow the app access to your contacts in your iPhone. If we can help, please give us a call at 844-428-8542. Thanks, again!
Can’t do anything without allowing full contacts access
The app has a message saying quite clearly how if you allow full contacts access you can send quicker, but that there is an alternative, in which you can either hit the “+” button, or the “Add a new Recipient” [capitalization theirs] button to send funds. However, neither of these buttons exist. I have no idea if they only exist after sharing contacts, but I don’t want to do that and it really is not necessary for a financial transactions service. The only point of forcing it is for sketchy data mining.
So, against better judgment, I allowed contacts access. I still do not have a “+” or “Add a new Recipient” [sic] button anywhere. Also, all contacts were added once for every method of contact, so I have between 2-7 entries per person. Also it added one for every number I’ve ever blocked. It looks literally nothing like the screenshots on the App Store page, it’s just a heinous mess. ALSO if I hit the big fat “Request” button it still takes me to the same screen asking me to select a “recipient”, which sounds like I’d be sending money not receiving it. This app has been 3 consecutive dumpster fires so far, and I’ve had it for a couple of hours. How does anyone even use it for its intended purpose? Does it have any functionality at all? People trust financial transactions to stuff that looks this bad? I wouldn’t trust them to make me a ham and cheese sandwich.
Unable to verify password
When you make an app that directly links a user's DEBIT CARD to their account (with no other options or protections provided), you'd better make sure it's operational, but instead we have this.
About a week ago, I got a 3:45AM text from Zelle for an automatic transfer (no one was sending me money that early in the morning). I went to change notification settings -- only to discover that I needed my password to turn off their text messaging. That's when I realized I had forgotten my password. At the time I couldn't find any place on their app to reset it, and because I have an outside bank, I don't have access to a web account. I did try "forgot password?" on the Zelle portal but never received an email. This didn't lock me out of my account; I just couldn't make any account changes.
Fast forward to today -- the app has logged me out (possibly due to an update?), and while it does now give me a "forgot password" option, after resetting it, I get the error message "unable to verify password." I even wrote it down to make sure I re-entered it correctly, but no luck. And that's where I am stuck -- completely locked out of my account. I am beyond frustrated. I use this to get money transfers from family, and I never had a single issue with clearxchange. Now with this forced switchover to Zelle, I can't do even the simplest task. Either fix the app or give us a website, because right now this is absolutely useless.
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Early Warning Services, LLC
- 83.6 MB
- Requires iOS 13.0 or later.
- Age Rating
- © 2017 Early Warning Services, LLC