Banking has been made with the Advent of mobile banking and the use of USSD code. One of the mobile banking applications is Zelle. Zelle is a mobile banking application that connects with your original bank account in order to send and receive money from friends, family, business partners, customers etc. Zelle is a US based banking application created by more than 25 major Banks in U.S. If your bank is amongst the partners of Zelle’s, you easily access it directly through your bank’s app, with no  extra cost. You don’t also need additional accounts or more apps. Impressive right?

Another amazing thing about zelle is that, it can be used independently ( you can download the app on your Android or iOS phones) or with the mobile banking apps of major Banks in the U.S. Zelle has a load of quality like;

  • Speed: it is fast. You can reserve money in a minute (60 seconds).
  • Safety: Banking transactions are safe and secured.
  • Accessibility: It can be easily accessed.
  • Contact free: The app reduces bank visitations and in-person services.

If you are wondering where or how to get started with zelle, then you are in the right place. Here’s how to get started with zelle.

Step 1: Visit the Zelle official website.

Step 2: search for the bank you already have an account with in the list of Banks partnering with zelle.

Step 3: if you find your bank that means, you are connected to zelle or already have it through your bank app.

Step 4: Enrollment: fill in your details like emails, and U.S. phone number. And you are good to go.


If you do not find your bank, you can still make use of zelle by downloading the Zelle app on your Android or iOS phone.

Most times I am faced with the question can zelle be used without a bank account?. Well if you are one of the many wondering if zelle works alone, here’s an answer for you.

Zelle is a service accessable to bank customers to  make transfers  between accounts in the USA. It is supported by other banks, but yes! You can use the Zelle app without having a bank account.

READ ALSO- Paystack Nigeria: How To Register And Perform Different Transactions With The Card

Another Way To Use Zelle

It is no news that you can send, request, or receive money with Zelle. And there are different ways to access and use Zelle. Here’s another way to use Zelle.

Step 1: sign in to your mobile banking app

Step 2: Select the ‘send money with zelle’ option.

Step 3: Enter your personal information: type in your email address, your American phone number any of the two will be used.

Step 4: A code will be sent to either your email or your phone. It’s a one time verification code. Be quick with code or else it will expire after a period of time.

Step 5: Lastly, accept the terms and conditions.

And that’s it! You are set up to transfer and receive money with zelle.

How To Send Money With Zelle

Sending money with zelle is very easy and can be done in 3 easy steps.

Step 1: Select the person on your phone, (you can add a receipt email or phone number, like your friend or family.).

Step 2: Enter the amount you wish to transfer and a title.(the name of the company or what u bought or it might just be a note like for upkeep).

Step 3: Hit the send button.

Simple as ABC.

How To Request For Money Using Zelle

Requesting for money on zelle is equally as easy as sending money.

The 3 steps to request for money using zelle are;

Step 1: Select the person that you wish to request money from.

Step 2: state the amount and a note if you must.

Step 3: Hit the request button.

It’s simple as that.

What About How To Receive Money?

To receive money using zelle, send your email or phone number used in the registration stage. Send it to them and ask them to send you money using zelle.

Does Zelle’ Have A Transfer Limit?

No there are no limits when using zelle. But since it is connected to your bank account, the limit of transfer is dependent on your bank type and account type. But if your bank offers zelle’ you can always contact them for more details and what their zelle’ transfer limit is.

Unfortunately if your bank isn’t connected with zelle’, then your weekly limit is $500, without a request for an increase.

Do They Charge?

Zelle doesn’t charge when you request for money and when you send money . However, they charge a fee when business accounts receives money. They charge a 2.5% fee of transaction amount with a minimum fee of $0.25 and a maximum fee of $15. That’s all you need to know about zelle. I hope this article was helpful?


Leave a Reply

Your email address will not be published. Required fields are marked *

error: Content is protected !!