Zelle is a service that allows you to send and receive money with eligible individuals and small businesses that have a U.S. bank account. Transfers typically occur within minutes when both parties are enrolled through their financial institution.
Here’s a clear and simple explanation of **how Zelle works**:
How Zelle Works (Step by Step)**
1. **Enroll**
* You enroll with Zelle through your **bank’s mobile app**, **online banking**, or the **Zelle app** (if your bank doesn’t support zelle number Zelle directly).
* You link your **U.S. bank account** and verify your **email** or **U.S. mobile number**.
2. **Send Money**
* Enter the **email address or U.S. mobile number** of the person you want to pay.
* Choose the **amount** and confirm.
* The recipient will get a notification and the money will usually arrive **within minutes** if both are enrolled.
3. **Receive Money**
* If someone sends you money through Zelle, you’ll get a text or email.
* If you’re already enrolled, the money goes directly into your bank account — no action needed.
* If not enrolled yet, follow the link to sign up and claim your payment.
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| Feature | Details |
| -------------- | -------------------------------------------------------------- |
| ???? Secure | Uses bank-level encryption and authentication |
| ⚡ Fast | Money usually transfers in **minutes** |
| ???? Free | No fees from Zelle or most participating banks |
| ???? Convenient | Works inside many banking apps or via the Zelle app |
| ???????? U.S.-Only | Only works with **U.S.-based bank accounts and phone numbers** |