Understanding payment methods: What is Zelle?® — Wells Fargo

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What is Zelle?®

How to send money with Zelle

So, you’ve just finished lunch and need to repay a friend for your part of the check. Or, you want to settle up for your share of the sports tickets bought by your brother. Or, you need to pay the babysitter after date night. In the past, you might’ve paid your friends, family, and other trusted people with cash if you had it. Now you can make those payments quickly and securely through person-to-person payments like Zelle.

What is Zelle?

Zelle is a digital payments network backed by Wells Fargo and a number of other U.S. financial institutions. Zelle enables users to send and request money between friends, family, coworkers, and people you trust within minutes. Zelle, typically, gives users faster access to money than many other person-to-person (or P2P) networks. A convenient aspect of Zelle is that you can use this money transfer solution with millions of people that have a U.S.-based bank account.

How do I use Zelle?

To access Zelle, Wells Fargo customers can go to Wells Fargo Online® or use the Wells Fargo Mobile® app, as well as going through the Zelle mobile app. After setting up Zelle with your email address or mobile number, here’s how a typical send transaction works

  1. Set up and send. Add or select your recipient, enter the amount you want to send, and choose an account to fund your payment. Carefully review and validate the details of your payment before you send it. As most payments are sent in “real-time,” sending money with Zelle is much like exchanging cash with someone.
  2. Recipient is notified. Your recipient will be notified by email or text message with the details of your payment and instructions on how to receive the money if action is necessary.
  3. Recipient registers. If your recipient’s email address or mobile phone number is not registered, they’ll need to enroll and register to receive money. They will have fourteen (14) days to complete their one-time setup using the same email address or mobile number you used to send the payment.
  4. Money is deposited. Once your recipient has registered and linked their eligible account to their email or mobile phone number, the money is deposited into the recipient’s account, often within minutes, depending on where they bank.

Even if you don’t plan to send money via Zelle, you may want to go online to link an eligible account to your mobile phone number or email address. Then if someone wants to send you money with Zelle, their transfer can be quickly deposited into your account.


It is important to remember to use Zelle with people you know and trust. Sending money with Zelle is much like exchanging money with someone.

What else should I know?

  • It is important to remember to use Zelle with people you know and trust.
  • When adding a new recipient, make sure you have their most up-to-date email address or mobile phone number.
  • If your payment has been processed, it cannot be canceled. Zelle transactions are not covered by the same protections as credit card and debit card transactions. If your payment status still shows as pending, you may cancel the transfer by going to your Zelle Activity.
  • Wells Fargo does not charge a fee to use Zelle, but your mobile carrier’s message and data rates may apply.
  • Additional information about Zelle can be found on the Zelle FAQ page.

Zelle has quickly proven an easy way to transfer money to others, and it can be especially useful when connected to an eligible account.

For more information, explore the details of using Zelle with Wells Fargo.

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