How to Use Zelle to Send Money Safely

Send money directly to friends, family, or businesses using Zelle — fast, free, and built into most bank apps.

In this guide (5 steps):

1.Find Zelle in your bank app
2.Enroll your email or phone number
3.Send money
4.Know the safety rules
5.Request money from others

Find Zelle in your bank app

~15s

Open your bank's mobile app and look for "Zelle" in the menu — usually under "Transfer Money," "Pay and Transfer," or "Send Money." If your bank supports Zelle, it will be listed there. You do not need to download a separate app.

Enroll your email or phone number

~15s

The first time you use Zelle, you will need to enroll by entering your email address or US mobile phone number and verifying it with a code. This is a one-time setup.

Send money

~17s

Tap "Send" and enter the recipient's email address or US phone number. Enter the amount you want to send and add a note if you like (such as "Dinner last night"). Review the details and tap "Send." If the recipient is already enrolled in Zelle, they receive the money in minutes.

Know the safety rules

~17s

Only send money to people you know and trust — Zelle transfers are instant and generally cannot be reversed. The FTC warns that scammers often ask for Zelle payments pretending to be utilities, government agencies, or relatives in trouble. No legitimate company asks for Zelle payments for bills or emergencies.

Request money from others

~15s

You can also use Zelle to request money. Tap "Request" and enter the person's email or phone number, then enter the amount. They will receive a notification and can send you the money through their own bank app.

You Did It!

You've completed: How to Use Zelle to Send Money Safely

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Zelle lets you send money directly from your bank account to another person's bank account in minutes — for free. It is built into the apps of most major US banks including Bank of America, Chase, Wells Fargo, and hundreds of others. Because transfers go directly between bank accounts, the money typically arrives within minutes.

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