How does my recipient receive money with Zelle? (2024)

FAQs

How does my recipient receive money with Zelle? ›

If you sent funds to their mobile phone number, they'll get a text message. If you sent funds to their email address, they'll get an email. We recommend you share with your recipient which item you sent funds to (phone or email). This way they know which item to register with Zelle.

If your recipient is already enrolled with Zelle^®, the money will go directly into their bank account, typically in minutes. If they aren't enrolled yet, they will get a notification explaining how to receive the money simply and quickly.

Whether you're using the Zelle^® app or using Zelle^® directly through your bank or credit union's banking app, the only information you'll need to share is an email address or U.S. mobile number tied to a bank account in the U.S. Additionally, authentication and monitoring features are in place to help make your ...

Money sent with Zelle^® is typically available to an enrolled recipient within minutes. If it has been more than three days, we recommend confirming that you have fully enrolled your Zelle^® profile, and that you entered the correct email address or U.S. mobile number and provided this to the sender.

Responding to a Zelle ^® Request

Select Send money with Zelle® from the main menu to view the Zelle ^® Activity screen. On the Pending tab, find a pending request and select Send [amount]. If the Verification screen appears, enter your password and select Submit.

Disadvantages of using Zelle include the potential for fraud or theft. 10 Users can also face difficulties, such as not receiving their funds if the app or banks experience technical problems. Outages can affect money transfers.

If your bank or credit union offers Zelle^® - You can send money to people you know and trust with a bank account in the U.S. If your bank or credit union does NOT offer Zelle^®- The person you want to send money to, or receive money from, must have access to Zelle^® through their bank or credit union.

As mentioned above, Zelle encourages you to only use their service to send and receive payments from people you know and trust. This is mainly because Zelle doesn't offer payment protection, so sending a payment to the wrong person or a potential scammer could mean that you lose that money permanently.

With access to your Zelle, threat actors can drain your bank accounts. There's no guarantee that you'll get your money back, which is why you must take the necessary steps to secure your Zelle and other financial accounts.

You may find you can't use Zelle without a bank account - the only commonly available workaround is by using an eligible prepaid Visa or Mastercard debit card from within the Zelle network.

How do I know if a Zelle payment was received? ›

We've made it easy to keep track of your Zelle® payments all in one place. Select Transfer & pay, then Send & request money with Zelle®. Choose Activity. You'll see PENDING PAYMENTS, SENT PAYMENTS and RECEIVED PAYMENTS.

If the bank initiated the transfer, notify the bank immediately so that it can investigate your claim. If you first contact the bank by phone, it is a good practice to follow up in writing. If you wired the funds through a third party (e.g., Western Union), contact that party to find out what their procedures are.

If money is sent and the recipient isn't enrolled with Zelle, they'll get a notice with instructions on how to register. If you sent funds to their mobile phone number, they'll get a text message. If you sent funds to their email address, they'll get an email.

Someone sent me money with Zelle®, how do I receive it? If you have already enrolled with Zelle^®, you do not need to take any further action. The money will move directly into your bank account associated with your profile, typically within minutes¹.

You can send, request, or receive money with Zelle^®. After you've enrolled, simply add your recipient's email address or U.S. mobile number, the amount you'd like to send or request, review and add a memo, and hit “confirm.” In most cases, the money is typically available in minutes¹.

The Zelle^® app is only available to users whose banks and credit unions do not offer Zelle^® directly to their customers. Because your financial institution offers Zelle^®, you can use it directly through your banking app (and online banking, if available) to send and receive money.