Zelle Review: Here is Everything You Need to Know

This is How Money Moves

by contentwriter

Author: Oliver Brown

Are you looking for an instant cash transfer service that is safe, reliable, and free from chargebacks? If yes, then Zelle is the perfect solution for you. 

In this article, I am going to share some of the best features of Zelle and show you how you can get started today.

What is Zelle?

Zelle is an American finance company owned by Early Warning Services, LLC. Early Warning is a private financial service organization owned and operated by these banks: Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells

Individuals and small businesses can use the Zelle app to send and receive money through email and phone number.


You may send money instantaneously to people and companies you trust using Zelle. This application works with most US banks and credit unions (Chase, Bank of America, Wells Fargo, Citi, USBank, etc.). 

You can also send money promptly at no extra cost if your Zelle account is linked with a bank that is not a partner.

How Does Zelle Work?

1. Sign Up

If your bank is one of the existing partners of Zelle, you can own a Zelle account with a few taps. If your bank is not a participating bank, you can download Zelle on your Android or iOS device 

To register using the Zelle application, you will need to input basic information about yourself; an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account. 

Note that Zelle does not accept debit cards associated with international deposit accounts or credit cards.


The US participating banks have integrated the quick money transfer service into their smartphone apps. Individuals and small businesses can use the Zelle app to send and receive money by inputting or sharing their phone numbers and email address.

2. Sending Money

Input the recipient’s phone number or email address to transfer money to them. Nevertheless, there are limitations to sending money via Zelle. If your bank or credit union doesn’t offer Zelle, your weekly send limit will be $500.

3. Receiving money

When someone sends you money, the money will appear in your account immediately. To send money via Zelle you only need the recipient’s phone number or email address. 

Zelle Features

In many aspects, Zelle seems superior to other money transfer services. It allows the transfer of funds across bank accounts and is quicker than traditional banks’ transfers. 


Here are a few explanations of why people adore Zelle:

  • If your beneficiary is a Zelle user, the money sent will be available to them in minutes.
  • Free instant money transfer
  • Accessible via major bank applications
  • It only needs the recipient’s phone number or email address to make a transfer
  • Secure and safe

Additionally, Zelle aids small companies. As a consumer, you can transfer money to small businesses. You can also accept Zelle payments for your goods and services as a business owner. 

Furthermore, Zelle facilitates business-to-business transfers with the use of a phone number or an email address.


Zelle is a great and affordable way to transfer money locally, either as an individual or a business owner. Furthermore, you don’t need to pay a dime to transact with Zelle. 


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