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.
Bug fixes and enhancements
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!
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.
Won’t work on most phones
After 4 days and over 9 hrs total on hold, was finally told that this service WILL NOT WORK ON MOST PHONE NETWORKS. The second level tech support told me that “Unfortunately the zelle app and service will not function on wi-fi, and only recognizes a few (att, verizon, and sprint) phone carriers. All others are locked out, but WILL TAKE your banking and personal information and retain it in their system.”
The reason this company is headquartered in the Philippines is because they are safe from federal criminal charges being filed against them. For such a young company, they have an overwhelming number of complaints lodged against them..(check out the reviews on the app page). The zelle rep even told me to change phone companies so I can get their service. Clear exchange had no problems... zelle is nothing but one giant problem that is illegally mining peoples banking and personal information for their own personal gain, while forcing those who are/were set up through a direct deposit system to receive their paychecks from work.... who are now unable to receive those funds, as zelle holds those funds in limbo refusing to refund the money back to original sender for 30 days. CRIMINAL !!!!!!! How the apple app store even allowed this financial virus into it’s app system is mind boggling.
BEWARE!!!! and stay far away from zelle. You have been warned by someone who stayed diligent until they got the answers and truth from this scam organization.
Developer Response ,
We are concerned to read your review of the Zelle iOS app and apologize for your negative experience with Zelle. Zelle partners with the country’s leading banks to bring a safe, fast and easy way to send money to family and friends. Zelle is a service of Early Warning Services, LLC, based in Scottsdale, Arizona and successfully processed more than 60-million transactions valued at $17.5 billion in Q3 2017. To help protect the security of payments, we perform a number of steps at enrollment with the Zelle app. While we cannot disclose our specific security processes, we do not restrict access only to customers of a few mobile networks. We regret if our agent stated such. If you are still experiencing difficulty with the app, or if you have any other questions about Zelle, we would like to help! Please contact us at 844-428-8542 or https://www.zellepay.com/support/contact
With Family Sharing set up, up to six family members can use this app.