Navegó a una página que no está disponible en español en este momento. Seleccione el enlace si desea ver otro contenido en español.

Página principal

Zelle® Questions

What is Zelle®?

Zelle® is an easy way to send money directly between almost any U.S. bank accounts typically within minutes. With just an email address or U.S. mobile phone number, you can quickly, safely and easily send and receive money with people you know and trust, regardless of where they bank.

Who can I send money to?

You can use Zelle® to send money to almost anyone with an eligible U.S.-based bank account. Eligibility requirements may vary depending on where your recipient banks. For your protection, you should only use Zelle® when sending money to people and small businesses you know and trust.

Check with your recipient to ensure their correct email address or U.S. mobile phone number is enrolled in Zelle® so they can receive money.

What protections do I have when I use Zelle®?

Zelle® is intended to replace instances where cash and checks are being exchanged, you do not have the same protections associated with a credit card or a debit card transaction, such as the ability to dispute purchase transactions. Once you send money with Zelle®, you cannot cancel the payment if your recipient has already enrolled. Neither Wells Fargo nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

We recommend you only send money to known and trusted recipients when using Zelle®.

Is there a fee for Zelle®?

Wells Fargo does not charge a fee to send or receive money with Zelle®. However, when using Zelle® on a mobile device, 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®.

How much money can I send and receive with Zelle®?

Sending limits: For your security, we restrict the amount of money you can send to recipients. There are daily and 30-day (rolling) limits. The amounts you can send daily and over 30 days will vary based on your funding account, your recipient, your account and online banking history, and your payment history for each recipient.

Receiving limits: We do not limit how much money you can receive with Zelle®. However, the sender may be subject to limits on how much they can send you, based on the policies of their financial institution.

For more information about Zelle® sending and receiving limits with Wells Fargo, see the Zelle® Transfer Service Addendum. These limits apply only to Zelle® payments when initiated from Wells Fargo Online® or the Wells Fargo Mobile® app.

When will my payment arrive with Zelle®?

Once your recipient enrolls either a U.S. mobile phone number or email address with Zelle®, payments are typically delivered within minutes. In some cases, we may need to delay or block a payment for your protection.

What is the difference between the Zelle® experience at Wells Fargo and the separate Zelle® app?

Wells Fargo partners with Zelle® to offer a unique experience to our customers that is only available through Wells Fargo Online and Wells Fargo Mobile. Other financial institutions may partner with Zelle® and offer their own Zelle® experience for their customers, subject to their own terms and conditions.

There is also a separate Zelle® app that is not operated or maintained by Wells Fargo or any other financial institution. Instead, it is operated by Early Warning Services LLC, a third-party entity. The Zelle® app is only available for use by consumers whose US financial institution does not offer Zelle® to its customers. To send money to an eligible small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience.

For more information, see the Zelle® Transfer Service Addendum.

Who are the Zelle® participating financial institutions?

For a full list of participating financial institutions, visit

If your recipient does not have an account with a Zelle® participating financial institution, you can still use Zelle® through Wells Fargo Online or Wells Fargo Mobile to send them money from your personal account. They can use the separate Zelle® app to receive the money, subject to eligibility requirements and terms and conditions. To send money to an eligible small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience.

Remember to only use Zelle® to send money to friends, family, and others you know and trust.

How do I send money?

Follow these steps to Send money with Zelle®:

  1. Sign on and select Transfer and Pay on the desktop or Pay & Transfer on the mobile app.
  2. Select Zelle®.
  3. Select Send.
  4. Select the recipient.
  5. Enter the amount.
  6. Select Review.
  7. Select Send.

Will I receive text messages from Wells Fargo when I use Zelle®?

Wells Fargo may send you text messages related to your Zelle® activity (like when you add a new recipient or when you send money to a first-time recipient). Wells Fargo text messages related to Zelle® will come from either 93557 or 93729. You can stop text messages related to Zelle® by following the instructions found in the body of the text messages.

Wells Fargo will need to verify your identity before processing some Zelle® payments, including when you send money to a first-time recipient. This step requires us to send you a text message code. To complete this verification step, you must have either a text-enabled mobile device or an RSA SecureID® device.

How do I request money with Zelle®?

  1. Sign on and select Pay & Transfer.
  2. Select Zelle®
  3. From the Zelle® screen, select Request.
  4. Select from your list of recipients or the plus (+) icon to add a new one.
  5. Enter the amount you're requesting, double-check it to make sure it’s correct, then select Request.

Before you can request money, you must have enrolled an email address or U.S. mobile number with Zelle®. Note: Request money is not yet available on the Wells Fargo Online desktop or tablet experience.

What do I do if my recipient never received my payment?

If your recipient did not receive your payment, make sure they’ve enrolled an email address or U.S. mobile number with Zelle®. If they have enrolled, check that the email address or U.S. mobile number you used to send money to your recipient is associated with your recipient’s Zelle® profile.

You can check the payment status in your Zelle® Activity. In some cases, payments may be delayed or blocked for your protection.

For additional help, you can call Wells Fargo Online Customer Service at 1-800-956-4442, 24 hours a day, 7 days a week.

Can I cancel a payment?

If your recipient has already enrolled with Zelle®, the payment is sent directly to their bank account and cannot be canceled. Keep in mind that Zelle® payments are not covered by the same protections as credit card and debit card payments.

If the payment is still pending because your recipient has not yet enrolled, you may cancel it. Go to your Zelle® Activity, choose the payment you want to cancel, then select Cancel Payment.

We recommend that you only use Zelle® to send and receive money with people and small businesses you know and trust. Always remember to carefully verify your recipient’s email address or U.S. mobile number before you send money.

Is my information secure?

Keeping your money and information safe is a top priority for Wells Fargo. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Wells Fargo account safe. 

Can I use Zelle® internationally?

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Donations to the American Red Cross using Zelle®

How do I donate money to the American Red Cross using Zelle®?

Sign on to the Wells Fargo Mobile app > Pay & Transfer > Zelle > Send > select + to add a recipient. Enter and American Red Cross as the business name and Continue. 

For more information visit or call 800-797-8022.

Is my donation tax deductible?

The American National Red Cross is registered as a 501(c)(3) non-profit organization. Contributions to the American Red Cross are tax-deductible to the extent permitted by law. The American Red Cross' tax identification number is 53-0196605.

Receipts will be issued upon request for donations greater than $250 by the American Red Cross.

What is my donation being used for?

100% of your donation will go directly to help the American Red Cross Disaster Relief. Your donation helps the Red Cross prepare for, respond to, and help people recover from nearly 64,000 disasters a year nationwide like hurricanes, wildfires, earthquakes, and countless other crises.