How to increase daily transfer limit on Zelle?

We make it easy to find the information you need. When sending or requesting money, the amount is restricted for your safety and security and cannot be changed .

Why is Zelle limiting my transfer?

Sending limits: For your security , we restrict the amount of money you can send to recipients. There are daily and 30-day (rolling) limits.

How do I fix my Zelle limit?

When sending money with the Zelle ® app there is a weekly $500 limit. You are unable to request an increase or decrease to your send limit .

How do I bypass Zelle $500 limit?

The daily transfer limit allowed to be sent via the Zelle ® feature is $500 per day. Transfers exceeding $500.00 can be made through our free Online Bill Pay service . There is no daily limit when using Member-To-Member transfers.

What time does Zelle Daily Limit reset?

If you have exceeded your Zelle daily or weekly transfer limit, you may have to wait for the clocks to reset. Zelle transfer clocks reset at midnight each day , while weekly limits reset on Sundays.

How to transfer a large amount of money?

If you're sending a large amount of money, you may want to use a wire transfer at your bank . You'll need the recipient's account and routing numbers. You and the recipient will likely incur fees. Wire transfers take place in less than 24 hours but do not occur on weekends or on bank holidays.

Why is my Zelle restricted?

Zelle suspends accounts associated with scams or fraudulent activities to protect users from financial harm . In addition, Zelle prohibits the use of its service for certain businesses classified as “high-risk” trades.

Does Zelle report to the IRS for personal use?

Zelle ® does not report transactions made on the Zelle Network ® to the IRS . The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network ® .

Is Zelle having problems today?

User reports indicate no current problems at Zelle Zelle is a payments network that offers money transfer between bank accounts.

How do I remove daily limit on Zelle?

Can Zelle transfer limits be changed? You can't change your transfer limits if you're using Zelle without your bank or credit union . If you still need to transfer more money, you may need to choose a different payment platform, such as Wise.

Why does my Zelle payment require additional review?

If you have a pending review on Zelle, it means that your transaction is being reviewed for potential fraud or suspicious activity by the system . While this can be frustrating, it's important to remember that Zelle takes security very seriously and wants to ensure all transactions are safe.

Why are my Zelle payments failing?

Your payment may fail and/or your scheduled payments may be canceled for these reasons: The payment account is closed, doesn't have available funds or is ineligible to use Zelle . The recipient's account number, email address or mobile number is invalid. The recipient has been deleted.

What is the daily limit for Zelle Discover bank?

You may send a total of $600 per day with Zelle® transfers to other users. We may increase your transfer limit for sending money, from time to time, based on a variety of factors that we determine in our sole discretion.

What is the Zelle limit per day in Wells Fargo?

Zelle transfer limits by bank Bank Daily Zelle transfer limit TD Bank Instant transfers: $1,000 Scheduled transfers (up to 3 business days): $2,500 Truist Bank $2,000 USAA Federal Savings Bank $1,000 Wells Fargo $3,500 7 more rows May 1, 2024

Zelle transfer limit guide [2024] (2024)

Zelle® is an online payment platform available through your bank or credit union, with over 2,100 participating banking apps offering Zelle as an easy and secure option to transfer your funds.¹

But are there any limits to how much you can send through Zelle? And can you receive as much money as you want? Read everything you need to know in our Zelle transfer limit guide.

How much money can you send through Zelle?

You can use the Zelle app to directly send money to other Zelle users. If you’re not using Zelle through your bank, you can send up to 500 USD per week and you can receive up to 5,000 USD a week.²

Factors influencing Zelle transfer limits

There are a few factors affecting how much you can safely transfer with Zelle. If you’re using Zelle through your bank or credit union, you’ll need to find out how much your bank will let you transfer, as different banks set different limits.

For example, Citi® lets existing customers transfer up to 2,500 USD per day, whereas Bank of America® lets you send up to 3,500 USD a day.³

Are there different limits for different types of Zelle transactions?

There are different limits for different types of Zelle transactions, whether you use Zelle through your bank or directly. For example, you can typically send less money than you can receive through the Zelle app.

Are Zelle transfer limits the same for sending and receiving money?

Zelle transfer limits differ depending on whether you’re sending or receiving money. If you want to send money through the Zelle app, you can only send a transaction to other Zelle users, and you’re limited to 500 USD per week.⁴ However, you can receive up to 5,000 USD.

Make low cost international transfers with Wise

Another smart option if you’re sending money overseas. Meet Wise.

Register a Wise account online or in the Wise app, and send digital payments from your bank account to 70+ countries, with the mid-market exchange rate and low, transparent fees.

Wise always shows you the amount you’re paying and how much your recipient will get — and you can even compare against other providers on the Wise app or desktop site. If another service is cheaper for your particular payment, you’ll be shown — so you can’t lose.

Send money with Wise

See how Wise compares with international bank transfers in our full guide

Please see Terms of Use for your region or visit Wise for the most up to date pricing and fee information

Can Zelle transfer limits be changed?

You can’t change your transfer limits if you’re using Zelle without your bank or credit union.

However, if you’re using Zelle through your banking institution, contact them to discuss your transfer limits, as they may be able to increase your limit based on your circ*mstances.²

If you still need to transfer more money, you may need to choose a different payment platform, such as Wise.

What happens if you exceed your Zelle transfer limit?

The Zelle app won’t let you exceed your Zelle transfer limit. Once you reach your limit, you’ll need to wait for it to reset before you can send or receive funds.

Make sure to check with your bank or credit union for further advice and support about your transfer limits with Zelle.

Do all banks have the same transfer limits for Zelle?

Zelle partners with several US banks – and each bank has different daily and monthly transfer limits.

Standard Zelle transfer limits

If you’re not using a bank or credit union, you can transfer up to 500 USD per week via the Zelle app. You can also receive up to 5,000 USD per week from other Zelle users.

Bank-specific Zelle transfer limits

There are some bank-specific Zelle transfer limits to understand before sending your money. We’ve put together information about a few popular Zelle bank partners.

Financial Institution	Daily Limit	Monthly Limit
Bank of America (Member FDIC)	Up to 3,500 USD	Up to 20,000 USD
Capital One	Up to 2,500 USD	It can vary
Chase	Up to 2,000 USD for personal checking accounts	Up to 16,000 USD for personal checking accounts
Citi	- Up to 500 USD for new enrollment accounts - Up to 2,500 USD for existing accounts	- Up to 2,500 USD for new enrollment accounts - Up to 15,000 USD for existing accounts
TD Bank®	Up to 1,000 USD for instant transfers	Up to 5,000 USD for instant transfers³

Wells Fargo & Zelle: policies and limits

Wells Fargo® and Zelle partner to offer an easy, safe, and fast way to transfer your money online. Simply open your banking app and choose to send or receive your money through Zelle.

You won’t experience a charge for sending your money with Zelle, but you’ll still need to pay any account fees with Wells Fargo, such as a monthly service charge.⁵

Your Zelle transfer limit with Wells Fargo will depend on your account type, your recipient, and your online banking history. For security reasons, Wells Fargo limits how much you can send to another account. However, there’s no limit to receiving money through Zelle.⁶

Zelle is a handy way to send and receive your money, especially if you use it with your bank or credit union. However, there are some daily and monthly transfer limits – and how much you can send or receive may depend on which bank you use.

To find out more about your global spending options, check out Wise.

Sources:

Sources checked on 11.14.2023

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.