How to Use Zelle to Send Money

Zelle is a mobile payment service that lets you send and receive money easily and quickly without visiting your bank. It was developed by a group of prominent banks to integrate their services in an app that will simplify money transfer processes for millions of Americans.

In this article, we’ll explain how to use Zelle to send money and outline some of its best features like “Split the Bill” or “Request Money.”

How to Use Zelle to Send Money?

Zelle allows anyone with a bank account to send and receive money. To use it, you’ll have to check whether your bank is offering Zelle. If it does, you can send your money following these steps:

1. Download Zelle App.
2. Make your profile on the app and tap on “Transfer Zelle.”
3. Select a recipient.
4. Specify the amount of money you want to send.
5. Select the account from which you’ll be sending funds.
6. Add a note if necessary.
7. Click “Send Money.”

If the money recipient has an account in the Zelle partner bank, they need to register on their bank’s website to enable the service. However, if the recipient’s bank hasn’t partnered with Zelle, they’ll have to use the Zelle app.

How to Get Started?

If you want to start using Zelle services, you can check your online banking app to see whether your bank is connected to Zelle. With a few simple steps, you can connect your online banking to a Zelle profile and start sending money.

Since there are still banks that haven’t integrated Zelle, everyone can download the Zelle app and make their profile.

How to Receive Money?

To receive the money someone sent, you’ll have to download the Zelle app and make a profile with your mobile number and a valid email. Here’s how to do it:

1. Download the Zelle app.
2. Make a profile and tap the “Transfer Zelle” option.
3. Enter your email and phone number that the sender used.
4. Wait for an email or a text with a confirmation code.
5. Your profile is now ready to receive and send money.

When the money arrives, you can enter your debit card number, and your funds will be transferred within minutes. Your debit card also needs to be connected with your bank account so make sure you have one that is active.

How to Send Money Requests?

If you need to request money from friends or family, you can easily do it through the Zelle app. Here’s how:

1. Sign in and tap “Transfer Zelle.”
2. Find the “Request” option and open your contacts to find the person that owes you money.
3. Specify the amount.
4. Add a message to your request so that the recipient will know what the money is for.
5. Review and send the request.

Bill Splitting

Paying an equal share of a bill can often be awkward. But Zelle offers a fantastic way to make bill splitting easy and straightforward. Here’s what you need to do:

1. Sign in and open “Transfer Zelle.”
2. Find “Split” and select all the contacts that owe you money. If you don’t have them as contacts, use their emails.
3. Specify the total amount, and the app will automatically calculate everyone’s share. In case you’re not splitting it evenly, you can write individual amounts for every contact.
4. Click on “Request,” and everyone will get a notification.

Transfer Limits

There are certain limitations regarding how much money you can send through Zelle transfers, but there are none when receiving money. Every bank has a different policy on how much money you can send in a 7- or 30-day period. For banks who don’t offer Zelle services, the weekly maximum for sending money is $500. However, if your bank has an agreement with Zelle, your sending limits will be different.

Transfer Fees

Since most money transfer services always charge fees, Zelle services wanted to have all its transfers offered free of charge. This way, you won’t have to worry about any additional costs, and you can use Zelle services whenever you need it.

How Long Does It Take for Money to Arrive?

Any amount of money sent through the Zelle platform becomes available within minutes if both sender and the recipient have active profiles. If a recipient still hasn’t registered on Zelle, the money will be on the account after one to three days. In case a recipient doesn’t enroll in the platform for 14 days, the money is automatically sent back to your account.

Click, Set, Go

Banks have realized that to have more customers, they need to upgrade their services and make them more accessible. With an increasing number of online money transactions, Zelle made the process of sending and receiving money simple and straightforward.

Now that you know how to use Zelle to send money, split the bill, or request payments, would you start using it? Or would you still use online banking? Let us know in the comments section below.