What is Zelle?

Zelle is a convenient way to send and receive money from friends, family and other people you know and trust. You can send money to almost anyone with an eligible U.S.-based bank account using their email address or U.S. mobile phone number.

When you enroll and register in Zelle using Wells Fargo Online® or Wells Fargo Mobile®, we establish a connection between your email address or U.S. mobile phone number and your eligible Wells Fargo checking, prepaid, or savings account.

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 you know and trust, such as friends and family.

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

Is Zelle secure?

Yes. Our Online Security Guarantee covers Zelle transactions in the unlikely event an unauthorized user accesses your accounts and initiates transactions using Wells Fargo Online or Wells Fargo Mobile. To qualify for this guarantee, you must follow Your Responsibilities under the terms of our Online Security Guarantee.

What protections do I have when I use Zelle?

You are protected in the unlikely event an unauthorized user accesses your accounts and initiates transfers using Wells Fargo Online or Wells Fargo Mobile.

However, because 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 it has already been processed.

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

Is there a fee?

Currently, Wells Fargo does not charge a fee for this service. However, when using Zelle on a mobile device, your mobile carrier’s message and data rates may apply.

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, and the transaction history for each recipient.

Receiving limits: We do not limit how much money you can receive with Zelle using your email address or U.S. mobile phone number. However, the sender may be subject to limits on how much they can send you, based on the policies of their financial institution or payment network.

For more information about Zelle sending and receiving limits with Wells Fargo, see the Zelle® Transfer Service Addendum. These limits apply only to Zelle transactions when initiated from Wells Fargo Online or Wells Fargo Mobile. Transactions initiated from the separate Zelle mobile app are governed by Zelle’s separate User Service Agreement and may be subject to lower limits.

When will my payment arrive with Zelle?

Once your recipient registers either a U.S. mobile phone number or email address with Zelle, payments are typically delivered within minutes. However, some payments can take up to 2 business days depending on who you’re sending money to and how much you’re sending. In some cases, we may also need to delay or block a payment for your protection.

What is the difference between the Wells Fargo Zelle experience and the separate Zelle mobile 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 mobile 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. If you use the separate Zelle mobile app, you will be subject to separate terms and conditions not related to Wells Fargo.

The information described in these FAQs, including registration steps and transfer limits, are only applicable to the Zelle experience through Wells Fargo Online and Wells Fargo Mobile. 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 zellepay.com/partners.

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. They can use the separate Zelle mobile app to receive the funds, subject to eligibility requirements and terms and conditions.

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

What does register mean?

When you register your email address or U.S. mobile number with Wells Fargo to receive money with Zelle, you are establishing a connection between the email address or U.S. mobile number and your bank account where your funds will be deposited. When someone sends you money, they use your registered email address or U.S. mobile number. Once the payment is processed, the funds will automatically be deposited into that account.

How do I send money?

Follow these steps to Send money with Zelle:

  1. Go to Send money with Zelle® 
    Sign on to Wells Fargo Online or Wells Fargo Mobile, then go to Send Money with Zelle® located under Transfer and Pay in the main menu. If you’re not yet enrolled, you’ll be asked to accept our terms and conditions. We recommend you also register an email address or U.S. mobile number and link a deposit account so you can receive money with Zelle.
  2. Add or select recipient 
    To add a recipient, select the “ + ” icon at the upper right of your screen and enter your recipient’s information. If your recipient is already in your list of recipients, select their name (smartphone) or the arrow to the right of their name (desktop and tablet) to continue.
  3. Enter amount and select your funding account 
    Enter the amount you want to send and choose an account to fund your payment. On desktop or tablet devices, you may have the option to select a delivery speed. Next, select Continue.
  4. Review and send 
    Carefully review the details of your payment before you send it. If it’s the first time you’ve sent money to this recipient, we will send you an access code to help verify your identity. If your recipient’s phone number or email address is registered with Zelle, we’ll display the name of the recipient on record before you continue (in some cases, this may only be a first name). After you send your payment, you’ll get a confirmation screen with the details of your payment.
  5. 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.
  6. Recipients must register to receive money 
    If your recipient is not registered with Zelle, 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 U.S. mobile number you used to send them the payment. If your recipient does not register with Zelle within 14 days, the money will be returned back to your account. Once your recipient registers with Zelle, this and all future payments to them are typically delivered in minutes. However, some payments can take up to 2 business days depending on who you’re sending money to and how much you’re sending.