How to Send Money with Zelle

Send money to friends and family in minutes using Zelle — built into most major bank apps, with no fees.

In this guide (5 steps):

1.Open Zelle in your bank's app
2.Enroll your email or phone number
3.Enter the recipient's information
4.Enter amount and send
5.Know the safety rules

Open Zelle in your bank's app

~15s

Open your bank's mobile app and look for "Zelle" or "Send Money with Zelle" in the transfers or payments section.

Enroll your email or phone number

~15s

Choose whether to connect your email address or phone number. This is how people will send money to you.

Enter the recipient's information

~15s

Tap "Send" and enter the recipient's email address or phone number. They need to be enrolled with Zelle or will receive signup instructions.

Enter amount and send

~15s

Type the dollar amount, add an optional note, review the details, and tap "Send." Money arrives in minutes.

Know the safety rules

~15s

Only send to people you know and trust. Transfers cannot be reversed. Your bank will never ask you to send money through Zelle to fix a problem.

You Did It!

You've completed: How to Send Money with Zelle

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Zelle lets you send money from your bank account to someone else's bank account in minutes. It is built into 2,000+ bank apps including Chase, Bank of America, Wells Fargo, and Capital One. There are no fees, and money moves directly between bank accounts — no separate balance to manage.

Open your bank's app and look for "Zelle" or "Send Money with Zelle" in the transfers section. The first time, you enroll by connecting your email or phone number to your bank account. When someone sends you money using that email or phone, it goes directly to your linked account.

To send: enter the recipient's email or phone number, enter the amount, add an optional note, and tap "Send." If the recipient is enrolled, money arrives in minutes. If not, they get instructions to sign up and claim the payment. You can also request money from someone.

Important safety note: Zelle transfers are instant and cannot be reversed. Only send money to people you know and trust. Scammers pretend to be your bank and ask you to "send money to yourself" to fix a problem — your bank will never ask this. If a stranger asks you to pay with Zelle, that is a red flag.

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Zelle

money transfer

banking

payments

finances