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What is Zelle®?

How to send money with Zelle®

So, you need to repay a friend for your part of the groceries or take-out. Or you want to settle up for your share of a gift or other expense. Or, you just need to send money to the babysitter or help a family member. 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 with Zelle® in the Wells Fargo app.

What is Zelle®?

Zelle® is a fast, safe and easy way to send money to, and receive money from, people and eligible small businesses you know and trust who have a bank account in the U.S. -- typically in minutes when both sender and receiver are already enrolled with Zelle® at their financial institution or in the Zelle® app.

How do I use Zelle®?

To access Zelle®, Wells Fargo customers can go to Wells Fargo Online® or use the Wells Fargo Mobile® app. Wells Fargo customers can enroll with Zelle® using their eligible checking or savings account, if they are enrolled with Wells Fargo Online. Learn more to get started with Zelle®.

After enrolling with Zelle® using your email address or U.S. mobile phone number, here’s how a typical send transaction works:

  1. Set up contact. You will need to add your trusted recipient as a contact in the Zelle feature. You can use their US 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.
  2. 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.
  3. 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 or in the Zelle app. They will have fourteen (14) days to complete their one-time enrollment using the same email address or US mobile phone number you used to send or request the payment.
  4. 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 don’t plan to send money with Zelle®, you may want to enroll with Zelle® using an eligible account and your U.S. mobile phone number or email address. Then if someone wants to send you money with Zelle®, the money can be quickly sent to your account.


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

What else should I know?

  • It is important to remember to use Zelle® with those you know and trust.
  • When adding a new recipient, make sure you have their most up-to-date email address or U.S. mobile phone number.
  • If your payment has been sent, it cannot be canceled unless the recipient has not yet enrolled. 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 payment by going to your Zelle® Activity.
  • Wells Fargo does not charge a fee to use Zelle®. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.
  • You can also donate money using Zelle®. Learn how to donate to the American Red Cross.
  • Additional information about Zelle® can be found on the Zelle® FAQ page.

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

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