What is Zelle^®?

Need to reimburse a friend, contribute to a group gift, or pay your babysitter? In the past, you might have paid your friends, family, and others in cash. Now, you can make those payments swiftly with Zelle^®, right from the Wells Fargo Mobile^® app.

Zelle^® is a fast and easy service that allows you to send money to, and receive money from, eligible people and eligible small businesses who have a U.S. bank account. Money typically is sent from one account to another within minutes, provided both parties are enrolled with Zelle^® through their financial institution.

How do I use Zelle^®

If you’re a Wells Fargo customer, you can enroll with Zelle^® through Wells Fargo Online^® or the Wells Fargo Mobile^® app. Once enrolled, you can link your eligible checking or savings account to Zelle^® using your email address or U.S. mobile phone number.

Learn more to get started with Zelle^®.

You can expect a typical Zelle^® transaction to look like the following:

• Set up contact. You will need to add your trusted recipient as a contact in the Zelle^® feature. You can use their U.S. mobile phone number or email address. Please note that if the recipient is not already enrolled with Zelle^®, you can only use their email address when requesting funds.
• Send or request. Select the send or request function in Zelle^®, choose the recipient, and carefully review and validate the details of your payment or request before you send it. As most payments are sent in minutes between enrolled users, sending money with Zelle^® is much like exchanging cash.
• Recipient is notified. Depending on how you set up your contact, the recipient will be notified by email or text message with the details of your request. If the recipient is not enrolled with Zelle^®, the notification will include instructions on how to enroll to receive or send money at their financial institution. They will have fourteen (14) days to complete their one-time enrollment using the same email address or U.S. mobile phone number you used to send or request the payment.
• Money is sent. Once your recipient has enrolled and linked their eligible account to their email or U.S. mobile phone number, the money is sent directly to the recipient's account, and is available typically in minutes.

Even if you're not planning to send or receive money soon, enroll in Zelle^® any time. This may make it easier to send and receive funds when the time comes.

Important tips for using Zelle^®

• Confirm your recipient: Always use Zelle^® with people and businesses you know and trust. Money sent with Zelle^® can’t be reversed, so make sure you’re confident in your recipient’s identity. 
• Ensure accurate information: Adding a new recipient means confirming their current email address or U.S. mobile phone number.
• Understand transaction rules: Once a payment is sent, it cannot be canceled unless the recipient hasn’t enrolled yet. Zelle^® transactions don’t have the same protections as credit or debit card transactions. If your payment is still pending, you can cancel it through your Zelle^® activity.
• Pay no fees: Wells Fargo does not charge a fee for using Zelle^®. However, your mobile carrier’s message and data rates may apply, and account fees might apply to the Wells Fargo account you use with Zelle^®.

Whether you’re sending money to a loved one or paying a trusted small business, Zelle^® ensures your transactions are handled safely and easily. See more details by visiting the Zelle^® FAQ page or explore the details of using Zelle^® with Wells Fargo.