Zelle Transfer Limit | Daily & Monthly Transactions At 7+ Top US Banks

Zelle transfer limit has been implemented to make your day-to-day transactions safer and more convenient.

There is no doubt that app-based online money transfers, such as transferring funds from Zelle to PayPalhave made it much easier to split dinner bills or help a friend in an emergency.

Most of these apps restrict the amount of funds that you can move in a day, week, or month. Consequently, Zelle has transfer limits as well, which vary depending on the linked bank account.

What Will We Talk About Here?
  • Each major bank that offers Zelle carries different daily or weekly limit.<.strong>
  • If your associated bank does not offer Zelle then you can send only up to $500 per week.
  • Since Zelle is mostly used with an associated bank account, it means your financial data is already secured and the amount you send via the app will be insured.

…and Much More!

(We are skipping straight to Zelle transfer limits here. However, if you are new and want to know more about Zelle App and its features, scroll down to go through our second-last section)

Daily and Monthly Zelle Transfer Limit At Different Banks

The amount of funds you can send via Zelle depends on which bank you use. Each major bank that offers Zelle does not have the same daily or weekly limit.

Before we get down to discussing that, here is another critical question that needs to be addressed:

  • What if your bank does not offer Zelle?

Obviously, you can still use Zelle to send funds, but in this case, the limit is greatly reduced. You can only send $500 in a week, but with an associated bank, you can transfer larger amounts.

Zelle’s daily limit depends on the bank, but its bracket is $500 to $2500.

Zelle’s monthly limit bracket is $10000 to $50000, up to the options of different banks.

Attention! There is no limit on how much you can receive through Zelle. The account is open to accept as much as a sender shares.

Following is the list of top banks in the US and insight into their daily and monthly limits.

Take a look!
BankDaily Limits Monthly Limits
Ally Bank Up to $500Up to $10,000
Bank of America Up to $2,500Up to $20,000
Capital One Up to $2,000Up to $10,000
Chase Business Checking Account Up to $5,000Up to $40,000
Chase Personal Checking Account Up to $2,000Up to $16,000
Citibank Basic or Access AccountUp to $1,000Up to $5,000
Citibank Priority or Citigold AccountUp to $1,000Up to $5,000
Citizens BankUp to $1,000Up to $5,000
Discover Up to $600N/A
PNC BankUp to $1,000Up to $5,000
TD Bank (Instant)Up to $1,000Up to $5,000
TD Bank (Standard)Up to $2,500Up to $10,000
US Bank $1,500 to $2,500$5,000 to $10,000
USAAUp to $1,000Up tp $10,000
Wells Fargo Up to $2,500Up to $4,000
Note! The limits mentioned above were checked at the time of the writing. They may be changed by the authorities without any prior notice. We try our best to keep the information up-to-date at all times.

Are These Limits Sufficient To Use?

The purpose of Zelle transfer limits is to protect you against fraud. But how? 

Look at it this way: An unknown person accesses your account and manages to extract money from there. Since there is a limit on how much you can transfer via Zelle, he can only leave your account partially empty.

However, whether these limits are sufficient for your daily, weekly, or monthly depends on how much you employ Zelle for everyday transactions.

You might be interested in reading: Does Zelle Work With Varo?

Hit Zelle Transfer Limit? Here Are The Alternatives You Can Try To Pay Instead

It is okay if Zelle limits are not enough for you and you find yourself hitting it every week or month. Although you can do little to increase the transfer limit, other alternatives are possible and work just as efficiently. Take a look! 

Find Another Online Payment Service

Zelle is NOT the end of the world!

You can benefit from many other instant transfer methods or use apps like Venmo, Cash App, and PayPal, which offer the same features.

All of these applications are mobile-based and very easy to set up. Some may take a few days to complete the transfer, while others are instant.

Below, we have compared the fees, payment limits, and compatible platforms for a few leading mobile money transfer apps.

Mobile AppTransfer limitsFee to send moneyFee to receive money Available OS
Zelle Depends on the bank.FREEFREEDepends on the bank.
PayPal $10,000 per transferFREEFREEWebsite, Android, iOS
Cash App $250 per weekFREEFREEWebsite, Android, iOS
Venmo $2,999.00 per week(1)FREE(2)FREEWebsite, Android, iOS
PopMoney Variable(3)$0.95FREEWebsite, Android, iOS
  1. The transfer limit for Venmo is set at rolling week period. Read more about Venmo transfer limits Here.
  2. Venmo transfers are free unless you are using a credit card. In that case, you will be charged 3% of the total amount.
  3. PopMoney debit card limit is $500 per day and $1,000 per month. PopMoney bank account limit is $2,000 per day and $5,000 per month

Rely on Checks Instead

Why should we forget the conventional means of transferring money via checks? It is reliable, safe, and a quick method to get it done.

Now, many mobile apps offer e-checks to deposit a check without visiting the bank.

Choose To Pay With Cash

Cash payments are still viable solutions if you don’t need to make a large transfer. You can safely carry that cash to the bank or the recipient.

This is also convenient when you can’t wait for the online transfers to complete.

You can withdraw cash from a nearby ATM, but you must remember the withdrawal limits. The cash can then be deposited into the recipient’s bank account.

Last Strategy: Just Wait!

Are you still trying to get all the alternatives mentioned above?

Well, the last thing you can try is to wait.

Once the Zelle transfer limit period is over, it will be renewed, and you can make transactions again.

This is the slowest strategy, but it can get the payments done, especially if you are dealing with a large amount you wish to avoid transferring via check or cash.

Extra Reading

Zelle is a stand-alone payment application supported by almost all the leading banks in the US. Since it is directly linked to bank accounts and offers impeccable transfer speeds with low costs, Zelle has become one of the most frequently used money transfer apps in the US.

The payment process here is quite simple. 

  1. Activate the Zelle app. You can see if your bank account supports it or not.
  2. Provide the recipient’s account information, such as email ID or phone number.
  3. Enter the amount of money that you wish to transfer.
  4. Press send.

Hopefully, the recipient will receive the funds within a couple of days. If they have enrolled in their Zelle account, recipients will receive an email confirmation.

  • But what makes Zelle so unique? 

First of all, it does not charge fees. You can send and receive money without any charges. The only restriction is that credit cards are not accepted. Therefore, you must use reloadable debit cards or bank accounts.

Moreover, Zelle guarantees instant money transfers to enrolled accounts. For recipients still needing to enroll in Zelle, funds exchange may take up to 3 days.

Zelle’s safety features are nothing compared to other leading apps, like PayPal, so we would not want to give you false hopes.

However, it can still be considered a safer option than moving cash in your pocket or through other unreliable means.

Since Zelle is mostly used with an associated bank account, it means your financial data is already secured and the amount you send via the app will be insured.

Nonetheless, there are a few points that you need to keep in mind when sending or receiving funds on Zelle.

  1. Make sure you are sending the funds to the right recipient. It is difficult to cancel once the payment has been made.
  2. Double-check the transfer amount before hitting the Send button.
  3. When paying online for goods purchases, ensure you receive the product before you send the money.

These precautions are necessary because the transfers via Zelle are challenging to reverse. If you fall victim to a scam or do not receive an item that you have paid for, there may not be any way to get the funds back through Zelle.

Moreover, if your account is hacked or any money transfer occurs without authorization, you must contact the bank to see if they are willing to deal with the fraud. Zelle might only offer little assistance in this case.

You might be interested in reading: Does Zelle Work Internationally?

The Bottom Line

Zelle allows you to send money quickly with $0 additional costs, which is not the case with other P2P apps. If you learn to use it responsibly, you can avoid fraud and scams.

Moreover, it is important to be aware of Zelle’s transfer limits. This will help you shop within the boundaries and avoid any unwelcome surprises when making a transfer via Zelle.

We hope the article has covered all the necessary details you wished to find through this article. Mention your queries in the comment section below so we can get back to you quickly.

Frequently Asked Questions About Zelle Transfer Limit

Is Zelle a good app for money transfers? 

Zelle is a good option if you want to transfer money quickly and without any additional costs. In fact, the no-cost feature is Zelle’s biggest advantage over other peer-to-peer transfer apps.

However, you must use it responsibly to avoid any inconvenience. It is best to send funds to familiar accounts as well and only purchase from reputable brands that guarantee a refund in case the delivery is not made as promised.

Is there a limit on how much I can send through my Zelle account? 

Although there is a limit on how much you can send through Zelle to any bank account, the exact figure dramatically varies from one bank to another.

Conversely, if your current bank account or credit union does not support Zelle, your weekly sending limit is $500. You can only increase or decrease this transfer limit if you open another account supporting Zelle transactions.

People Also Asked

Can you cancel the Zelle payment that is in progress? 

Yes, you can cancel some payments made through Zelle, but not all of them. For example, pending payments to a user who still needs to enroll with Zelle can be canceled anytime.

You can find such information on Zelle’s activity page in your official account.

What is the Zelle limit for a Wells Fargo account? 

The Zelle app has a limit for Wells Fargo accounts. It is set at $1,000 a week and $5,000 a month. You must stay within these transaction limits when using Zelle to send or receive money from a Wells Fargo bank account.

These limits may vary if you are using some other bank.

Is there a limit on the amount I can send to Zelle Bank of America? 

Yes, Zelle Bank of America does have transfer limits. You are allowed to send up to $2,500 in a day and $20,000 in a month.