Zelle is a financial application released on Google Play by Early Warning Services, LCC. On this platform, Zelle has more than 10 million downloads and is trusted by many people in the United States. With this application, you can transfer money to your friends and relatives even if they use a different bank than you.
Introduce about Zelle
As you know, the banking system in the United States used to be quite old and fragmented. Although there have been many changes, it still makes personal money transfers between banks very complicated. These money transfer procedures are still quite complicated, cumbersome and cost service users a lot of money. And the birth of the Zelle platform and application is essential. With Zelle, personal money transfers between banks will be much easier. In this article, let’s learn more about Zelle.
Does Zelle use ACH?
You may not know, but transactions in Zelle are not considered a form of bank transfer but an ACH – Automated Clearing House. This is a network that helps you transfer money between US banks. Without using ACH, transferring money between US banks can take 1 – 3 days due to their old banking system.
By using ACH everything is simplified and faster, simply put ACH is an intermediary that helps you process interbank transactions. And Zelle is a different form of ACH because their funds are always available, helping you receive money immediately and saving on transfer fees.
Large network of US banks
The Zelle platform is currently one of the most trusted platforms in the United States. Currently, there are more than 2,200 banks and credit unions in the United States that are connected to Zelle to make it easy for users to use their services. With such a large network, Zelle users can pay for various transactions no matter where they are.
In the past, this payment was quite difficult if the other person did not use the same bank as you. Now everything is much simpler. Check if your bank supports Zelle and quickly use this useful feature.
How is Zelle now?
Before 2025, you could simply download the Zelle app from the Google Play store, register an account, and link your Visa/Mastercard to use the money transfer feature. But after many updates to features and policies, independent users were previously limited in many ways, such as:
- Cannot make any transactions to send or receive money.
- Can only view the history of previous transactions.
To continue using features such as sending or receiving money on Zelle, users need to go through the bank they are using. Check if your bank supports Zelle and link it now.
Advantages of Zelle
According to user reviews and what we have learned, Zelle has many advantages such as:
- Send and receive money simply and for free: This service works 24/7 so you can make transactions whenever you want.
- No need for a bank account number: Once you link your bank to your Zelle account, you can send and receive money via your linked email or phone number.
- Linked with more than 2,200 banks in the United States, you can easily transact with anyone.
- Reputable, trustworthy: Built and operated by a company owned by major US banks – Early Warning Services LLC.
- No need to create a wallet to use: Money transferred/received is deducted/added directly to your bank account.
Limitations of Zelle
Despite its many advantages, Zelle still has many limitations:
- No refunds or transaction protection: If you send money by mistake or get scammed, you will lose it. So be careful with every step of your transaction!
- Territory restrictions: Zelle can be considered a payment platform exclusively for the US because of the unique banking system here.
- You now need to link a bank account to use Zelle, no longer linking via a simple card like before.
- The interface is too simple to the point of being boring.
Download Zelle APK for Android
Zelle is one of the great solutions for interbank personal money transfers in the United States. With a large network of banks and a reputation for security, you can trust Zelle in your transactions. Note that you only transfer money to trusted people to avoid mistaken transfers or fraud. Now, download Zelle here and enjoy the service that this application brings.
Available Versions
Versions of this app are not available at the moment, please come back later.