how much money can you send through zelle

How Much Money Can You Send Through Zelle

June 21, 2022

Zelle is a financial services company that enables people to electronically transfer funds from their bank accounts to other registered bank accounts of users also using Zelle. Users must be within the United States using a mobile phone or the website of a participating banking institution. The query is; how much money can you send through Zelle? This is the topic I want to major on to enlighten you on the amounts you can send to others.

In the modern world, the electronic transfer of money has taken the place of the traditional ways of sending money. Times are gone when people used individuals or money orders to deliver money to other people in other places. Zelle lessens the time taken for funds to reach another bank. Typically, funds take 3-5 days to reach the recipient’s bank account. Waiting for all that period is usually traumatizing, especially when the funds are for emergency issues.

For your information, Zelle started operating in 2017. The service used to be around but operated as clearXchange that started operating in 2011. Members from participating banks could quickly transfer money to each other. The name changed to Zelle when the company named Early Warning Services bought clearXchange in 2016 and later rebranded it as Zelle in 2017. clearXchange users had to recreate their profiles to continue enjoying the services.

How do you create a Zelle account?

You can quickly start using Zelle by enrolling in a U.S. mobile number or your email address through your mobile Zelle app or your mobile banking app. You should have at least 18 years old to use the money transfer service.

Once you have registered, you can then start sending money to others. To send money to others, you only need to enter the recipient’s Zelle mobile number or email address, enter the preferred amount, and then send as per the instructions

How much money can you send through Zelle?

how much money can you send through zelle

It is essential to understand the amount of money you can send to other Zelle users so that you are not caught in confusion trying to transfer too much money other than the allowed amounts. Even though Zelle allows you to send much higher amounts of money than its competitors, such as PayPal and Venmo, they still have limits.

For banks that do not support Zelle, the limit for sending money is $500 per week. Banks that support Zelle have different limits that you must adhere to when transferring money. For example, the maximum Zelle daily limit is $5000 when using Ally Bank and up to $10,000 monthly limits.

Additionally, the Bank of America daily limit when using Zelle is $2,500, while the monthly limit is $20,000. The Chase Business Checking or Chase Private Client transfer limits when using Zelle are $5,000 per day and $40,000 per month. Different banks allow different limits for Zelle transfers. The following is a detailed information on the different amounts of money you can send via Zelle to different banks.

Bank Daily Limit Monthly Limit
Ally Bank $5,000 $10,000
Chase Personal Checking $2,000 $16,000
Citibank Citi Priority, Citigold, and Citi Private Bank $5,000 $15,000
Chase Business Checking or Chase Private Client $5,000 $40,000
Bank of America $2,500 $20,000
Citibank Account, Basic Account, and Access Account $2,000 $10,000
Citizens Bank $1,000 $5,000
PNC Bank $1,000 $5,000
U.S. Bank $2,500 $10,000
USAA $1,000 $10,000
Wells Fargo $2,500 $20,000

How can you send money to Cash App using Zelle?

Now that Zelle allows you to transfer money to banks, can you send money from Zelle to Cash App? I suppose you might be wondering whether you can transfer money to Cash App or even PayPal using Zelle. It is essential to understand that Zelle works with banks only, and since Cash App is not a bank, you cannot directly transfer money from Zelle to Cash App.

To move money from Zelle to Cash App, you will have to link both services to a similar bank. You can then transfer money from Zelle to the bank and then to Cash App. Since Cash App works with various US banks and allows you to load money from banks, you will only need to log into your Cash App account and navigate to the add money section from your linked bank.

How long does it take to move money using Zelle?

Zelle allows you to transfer money instantly to other Zelle users. Money reflects in the recipient’s account within minutes. Therefore, you do not  need to wait for so long to receive money from senders of other banks as you need to advise them to use Zelle.

If you send money to someone not yet enrolled in Zelle, they will still receive the funds. However, they will need to first enroll in Zelle, after which they will receive money in their accounts within a few minutes.

If it takes too long, that is, more than three days without the funds reaching the recipient account, one should check whether they have fully enrolled in Zelle. Also, check whether the phone number or email address used is correct.

Does Zelle charge fees?

Just like when you send money with a checking account number instantly to bank accounts of the same bank, sending money with Zelle is free. However, you should confirm with your bank or credit union to see whether there are additional fees for using the service. Most money transfer platforms usually charge fees when you send money to bank accounts.

For example, Cash App to bank transfer service costs 1.5% of the transaction amount.  Venmo charges $10, although they are expected to increase the transfer fee to $15. PayPal, the parent company to Venmo, charges 1% for instant transfers to a US bank account.

However, these apps do not charge for standard transfers to bank accounts. The only problem is that you have to wait for around 1-3 days for funds to reflect in your bank account. Therefore, Zelle remains the best option for bank transfers.

Can I use Zelle without a smartphone?

Yes, you can use Zelle without a smartphone if your bank or credit union supports Zelle. That means that you can log into your online bank using your computer and proceed with any kind of transaction. Most banks allow users to access your account online using secure browsers such as Chrome, Mozilla, or Safari.

Unfortunately, if your bank does not support Zelle, you will have to use a smartphone to access your Zelle account. That means that you will have to download the app from the Google Play Store for Android smartphones and App Store for Apple phones.

Which banks work with Zelle?

There are very many banks that work with Zelle. Some of the credit unions and banks that work with Zelle include the following.

  • ABCO Federal Credit Union
  • ABNB
  • Academy Bank
  • ACCESSbank Omaha
  • Achieva Credit Union
  • ACNB Bank
  • Advancial
  • Agfed Credit Union
  • Albany Bank & Trust
  • Alden State Bank
  • Alliance Bank
  • Ally Bank
  • Altamaha Bank and Trust
  • Amalgamated Bank of Chicago
  • Ambler Savings Bank
  • Amegy Bank
  • Amerant Bank
  • America First Credit Union
  • American Bank
  • American Bank and Trust
  • American Bank of Missouri
  • American Bank, N.A.
  • American Community Bank Trust
  • American First Credit Union
  • American Investors Bank
  • American National Bank of MN
  • American State Bank and Trust
  • Ameris Bank
  • AMG National Trust

To find more banks that support Zelle, you can visit the Zelle get started page and see whether your bank appears on the list. Note that you can only connect your Zelle account to one bank account since Zelle does not support adding multiple banks and credit unions.

Can I use Zelle with debit cards?

You can use Zelle with prepaid debit cards from the Zelle Network Banks. That means that prepaid cards from major brands such as Netspend and others that do not directly link to Zelle compatible banks are not valuable for Zelle. If you want to move money from Zelle to a prepaid card, you should first link the prepaid card to a Zelle compatible bank and then move the money to your card.

For your information, there is no way you can get money out of your Zelle account without a supported debit card or bank account. It’s not like you can do with some digital wallets such as PayPal, Venmo, and Cash App, among others. For example, you can get money off Cash App without a card when you buy goods and services online.

Can I delete my Zelle account?

You can cancel the Zelle service any time you feel like you do not want the services anymore. If you are registered with a debit card through the Zelle app, you can contact the Zelle customer care team at 844-428-8542 (toll-free) to cancel the service.

If you are using Zelle via your mobile banking app, you can contact your bank or credit union to cancel the service. It won’t take long to terminate the service.

Bottom line

Zelle is a money transfer platform that allows you to transfer money between banks. The service shortens the period by which financial institutions take to transfer money to one another. Zelle only works with US banks and credit unions. To get started with Zelle, you only need to have an email address or phone number and a supported US bank or credit union account.

Posted by Spencer Tierney
Spencer Tierney is a writer and expert on certificates of deposits at His work has been featured by USA Today, MSN, SF Gate, the Los Angeles Times, NerdWallet and more. He earned a bachelor’s degree in English at UC Berkeley.