• Category: Finance
  • Release Date: 2017-09-12
  • Current Version: 5.8.1
  • Adult Rating: 4+
  • File Size: 115.89 MB
  • Developer: Early Warning Services, LLC
  • Compatibility: Requires iOS 11.0 or later.
  • Rating Count: 325 450


Zelle® has partnered with leading banks and credit unions across the U.S. to bring you a fast, safe and easy way to send money to friends and family. Money moves quickly - directly from bank account to bank account. If your bank or credit union offers Zelle, you already have it in your mobile banking app or online banking – if they don’t, the Zelle app will make it easy for you to send money to enrolled Zelle users that already have access through their financial institution. Zelle. This is how money moves®. Using just your recipient’s email address or U.S. mobile number, you can settle up simply and safely with almost anyone you know and trust. Even better, Zelle does not charge any fees to use the service. (Mobile carrier or bank fees may apply). GET STARTED: 1. Download the Zelle app. 2. Enroll using a Visa® or Mastercard® debit card linked to a U.S. checking account; or 3. Enroll your U.S. checking account by using your online banking username and password, if your bank supports this feature*. 4. Choose a person to pay, or request money from, by entering their U.S. mobile number or email address. 5. Confirm the amount and hit send. If they’re already enrolled with Zelle, they’ll typically get the money in minutes. If they aren’t, they will be notified and can follow a few simple steps to complete the payment. *Some banks allow customers to enroll in the Zelle app using their online or mobile banking username and password. Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC You must have a bank account in the U.S. to use Zelle.



  • Can’t do anything without allowing full contacts access

    By SunshineAndFear
    The app has a message saying quite clearly how if you allow full contacts access you can send quicker, but that there is an alternative, in which you can either hit the “+” button, or the “Add a new Recipient” [capitalization theirs] button to send funds. However, neither of these buttons exist. I have no idea if they only exist after sharing contacts, but I don’t want to do that and it really is not necessary for a financial transactions service. The only point of forcing it is for sketchy data mining. UPDATE: So, against better judgment, I allowed contacts access. I still do not have a “+” or “Add a new Recipient” [sic] button anywhere. Also, all contacts were added once for every method of contact, so I have between 2-7 entries per person. Also it added one for every number I’ve ever blocked. It looks literally nothing like the screenshots on the App Store page, it’s just a heinous mess. ALSO if I hit the big fat “Request” button it still takes me to the same screen asking me to select a “recipient”, which sounds like I’d be sending money not receiving it. This app has been 3 consecutive dumpster fires so far, and I’ve had it for a couple of hours. How does anyone even use it for its intended purpose? Does it have any functionality at all? People trust financial transactions to stuff that looks this bad? I wouldn’t trust them to make me a ham and cheese sandwich.
  • Not good

    By RJtucson
    Zelle is really not stable. It usually says I don’t have an internet connection. Weird, I can get everything else to work. It can take months to get your money. Sometimes your money gets “lost”. I can’t understand why anyone uses this app.
  • Won’t work without access to Contacts

    By SFJay
    The only way to select a recipient is from the iPhone Contacts. This is despite on-screen text telling me there is a “+” icon and link to use to manually add a recipient. Nope, it’s not there. I contacted Zelle support and I don’t think anyone there has actually used this app. I won’t be granting access to Contacts. This app is unusable. Into the trash it goes.
  • Took my money. DO NOT USE THIS APP.

    By mlrepay
    Took my money and all they could tell me when I called support was that it was my bank’s problem. ZELLE is the application responsible for creating and seeing a transaction through. That’s their whole point of existence. My money came out of my bank, didn’t go to the recipient, and you can’t tell me where it went???? What good are you? And yes….I sent it to the correct person. I did a test transaction to make sure I had the correct person and it worked with that one. DO NOT USE THIS APP!!!
  • Yes

    By Delevan7
    I love your graphics
  • Will Lock Your Money

    By motorboatingsob
    Do not rely on Zelle for money transfers. They will lock your money or invalidate transfers with no recourse, money in limbo.
  • No!!!!!!

    By Tkefmbabhshc
    Worst money app ever I’d rather use Venmo! Having money just sitting there and having the phone people not be able to do anything with all the verifications is ridiculous. Impossible! My bank is verified but they can’t work around a new number. Dumbest thing I’ve ever heard of. No other app I know does that completely unhelpful and now I lost my money that I very much need at the moment and won’t even be able to try to fix it for another two weeks and by then it’s gone so I don’t get paid. Thanks a lot! Fix your app!
  • LIMITS if not your banks main way send or receive money!!!

    By DucmanST4
    Did like that if people have this as their main money transfer with their bank you allow unlimited amount to transfer but if your bank doesn’t using Zelle we are limited to daily limit and a weekly limit. I find that to be quite stupid.
  • Pretty garbage.

    By Thevenin Campton
    2/5… would not recommend.
  • Can only send $500

    By MB.T
    Don’t know why, but I can only send $500 at a time.
  • How Change personalized name?

    By wsgybfgh
    How do I change my name.
  • Not working.

    By 1JoRaBa599
    Gives me internet error and crashes :( my internet is working fine and I have tried deleting and reinstalling the app.
  • The worst

    By Ruthnick
    I’ve been using zelle for a while and had zero problems until few days ago it just stopped working. Caused so many issues. I don’t recommend this app.
  • Life saver so far now 5 years

    By Gyasser
    Thank you Zelle really
  • Trash

    By blkrazorback1970
    This app is trash. You send money an it takes 3 or 4 days to receive in your account. If it takes this long might as well pick up money yourself an walk it to bank.
  • Hi!

    By Daya52
    Why Puerto Rico aren’t in the list? We are us citizens and use the same currency. The same money.
  • Consistent

    By 🌷👀🌷👀
    Thank you Zelle for always being immediate. This is the best app!
  • Doesn’t work

    By daiuodha
    Maybe my phone is too old? I can’t enter my card information because the keyboard won’t collapse. There’s always an issue almost every time I’ve tried to use zelle.
  • Connection Error

    By jakdjjdjjeje
    Can’t get past phone number. Says I have no connection and to enable wifi or turn on mobile data. Tried both and nothing. Absolutely useless.
  • Better than cash app!!!

    By Biggbee35
    Great and safe way to send your loved ones or friends money when they are in need or you just want to bless them with a gift.
  • Unusable

    By 1848592917385
    Can’t access account because verification code isn’t being sent
  • Annoying

    By kadee72
    I hate this app! Half the time it doesn’t recognize my info to get signed in. Can’t sign in to change card info
  • Piece of crap Ap

    By Wealthwise
    Was able to make a few transfers, months later card information needed to be changed went to switch account to change the card, sorry there’s a problem. Called Customer Service, The first guy wasn’t able to help me, he said he would have to connect me with another department, that would be able to help me The guy tells me, something about the Zelle Ap not allowing to move forward, with no resolution, no supervisor to talk to, waste of my time!
  • Skip Zelle, Send through Venmo

    By Jasmine142748
    I’ve had two bad experiences with Zelle, in which money just disappears into the ether… One time I sent money and another time a friend tried to send me money and both times the payments fail and the money is in limbo. I’ve wasted way too much time calling my bank then calling Zelle to get everything sorted. Why would you use Zelle when you can use Venmo which has never once failed me. This is truly absurd. Last time I called Zelle to help resolve a failed payment, The customer service rep literally said “You’re allowed to call us! You can’t call this number.”
  • This would be the best money app if they removed bugs

    By Cortezthadestroyer
    I honestly think zelle is the best money transfer app available, unfortunately, its plagued with so many bugs. Todays bugs consisted of me being unable to change my payment method because the keyboard blocked the button to continue and wouldnt close. Ok cool fine, after multiple attempts I log out try to log back in and see if that helps but then i am unable to due to an error that i cant see because the red error banner flies up and down the screen then disappears. I would love to be able to send some money with this app eventually though cause its really great and simple once you get to that part. 👍
  • Very safe

    By touraynjie
    Very safe
  • Thanks Zelle

    By JusyJayJ
    Zelle is one of the best apps! It is safe, efficient, and easy to use. Love me some Zelle!!
  • Does not work

    By Amanda Tunney
    This app does not work properly it won’t let you sign up. I was really excited to use this app but it just doesn’t not work for me.
  • Worst money app by far

    By Tbabyy420
    I downloaded it and I made one transaction on it and now I can’t get back in it. It says error everytime I try to log in.
  • Requires access to contacts

    By osnelson
    It wants access to contacts without any easy in-app method to just send money to someone’s phone number or email address. It says “or press the ‘+’ icon to create your contacts” but there is no plus icon.
  • The Ease of Zelle…

    By Anastasia Frederika
    I so much prefer the expediency and efficiency of Zelle over other financial apps! Brilliance!
  • Does NOT work with Netspend

    By IfYouDid
    I’ve banked with Netspend (MetaBank) for 12 years. My husband opened a Citibank checking account and wanted to use Zelle to easily transfer money to each other. It does not work with Netspend debit card. This makes the app useless for us. Very frustrating to have to use old school wire transfers.
  • Limited capabilities

    By MHurtares
    Very slow app. Also, there is a $500 limit. I have to wait until the next week in order to complete the second half of my transaction. Why the limitation?
  • Nice 👍

    By El geneina
    It is excellent service thank you
  • Love it

    By SileysaG
    Absolutely convenient easy great app I love it!
  • Review

    By relivingtheseventies
    This cash app beats every other cash app hands down!!! Money within seconds
  • Money transfer

    By chrwyhi57
  • Ability to send more money

    By 1213idek_fixit
    I wish you was aloud to send mor money a week without the limit.
  • No way to sign up

    By JMCGEE69
    I have tried to sign up on two different iPhones and the continue button after I put in debit card information is hidden by the keyboard. The developers need to add the option to hide the keyboard or have the next/ continue button not be hidden by the keyboard. Also would be nice to signup on their website or on an iPad.
  • Useless

    By Nichelle Lee
    Can’t sign up because after I enter my debit card information, the keyboard blocks the “Continue” button… there’s no way to move/hide the keyboard…
  • Trash app error A101

    By Dog_Wirh_Shoes
    I can’t use the app For months I get the error A101 Phone support is basically 2h wait line Trash. 1 star
  • Too many restrictions!

    By blundetbuss
    Can’t pay businesses with my debit card. Can’t put multiple payment cards in the app. Can’t go over low limits. Can’t understand why Zelle thinks it’s any good.
  • Zelle Outstanding

    By TwlightNite
    Easiest application to use & what a time saver & saves money as well
  • Edit credit card date

    By tryingtoimproveservices
    It should be easier to update credit card date and security code.
  • Bank not listed

    By xxk3990
    I am currently in an area with a local bank chain (but still a very popular and widely used one) but it's not in Zelle's system, and when I tried to enter my bank info they said that they couldn't match it to my bank's records, even though I entered it correctly. This brings up two important points: 1) how can this be a competitor for Venmo when Venmo actually does have most regional banks (including the one I use) in their system and this doesn't, and 2) how could they know if it matches or not if the bank isn't in their system? I owe friends some money and they requested I use Zelle to send it to them but I can't without risking my account being locked or going to the bank myself and getting the information (I shouldn't have to do this, I was able to get my card onto Venmo in seconds without entering all the information that Zelle is asking for). Although after reading some of these other reviews I'm starting to think it's a good thing that I can't enter my information, it sounds like a sketchy system.
  • Second review

    By jackedvegan
    Originally I gave zelle 1 star. I misunderstood how zelle works . Apparently the money goes into the bank automatically. I was concerned because my sister sent me money for emergency vet bills . Zelle never alerted me and when I checked my setting there was an email in place of my email that I never saw before. I was afraid It was hacked. I wasn’t. Still I only give it a 3 because I like Venmo and cash app better. .
  • He

    By Kai feiji
    Hfs was a great night out and then we riitrtt
  • $$WARNING!! Zelle RIPs u off! Use Venmo

    By #1Me!
    You should know before you download this app The owner of the app keeps the money (they kept my $150 because I was 1 Digit off on my recipient’s phone number). Get this they don’t bear any responsibility for taking my $$ THEY NEVER SHOULD HAVE TAKEN MY MONEY IF IT WAS NOT THE CORRESPONDING ACCOUNT. All they ask for when sending money is name and correct phone number AND JERKS STILL TOOK MY MONEY AND NO ONE WILL TALK TO YOU ABOUT IT!! They DONT ANSWER A CALL, OR TEXT OR EVEN THE FORM FOR EMAIL THEY REFER MR BACK TO THE BANK AND THE BANK REFERRED ME BACK TO ZELLE!!!! Where’s MY MONEY?? YOU RIP OFF’s!!!
  • Very simple and secure !!

    By Mfalconi
    First time user and already loving it ! Super easy, secure and helpful