Zelle Limits | US Digital Banking 101

Zelle limits are set depending on whether your bank currently offers Zelle or not and whether your bank has imposed specific transfer limits on Zelle transactions.

Interestingly, if a foreign non-resident successfully opens a US account with a bank that has Zelle, they will also be able to access this service. This is very rare and makes Zelle a unique digital proposition that both non-residents and residents can access, unlike Afterpay, Venmo, and most US digital banks.

In this article, we’ll be taking a look at Zelle transaction limits and answering common questions we receive on the topic.

Feel free to use the table of contents to jump ahead to the sections most relevant to you.

Table of Contents

  1. Zelle Limits
  2. Zelle Transfer Requirements
  3. Frequently Asked Questions
  4. Do You Want Help Opening Bank Accounts?

Zelle Limits

Zelle limits, including both transfer limits and transfer restrictions, are imposed on user accounts. These limits are determined by whether your bank currently offers Zelle or not. Additionally, each financial institution that offers Zelle is also able to impose its own restrictions as well.

Zelle limits include both daily and monthly limits. Daily limits range from USD 1,000 to USD 5,000, while Zelle monthly limits range from USD 5,000 to USD 40,000.

These transfer limits are set directly by each financial institution. So, if you are looking for a bank account with a specific amount of money that you can transfer on a regular basis, you may want to consider bank accounts that allow higher transaction volume.

That said, if you are looking to send money through the Zelle app and do not have an account with a registered bank, your transfers will be restricted to USD 500 per week.

Zelle Transfer Requirements

When sending a transfer through Zelle, the only information that is required is an email address or a mobile phone number of the recipient. Importantly, this email or phone number needs to be connected to a US bank account in order to work. That said, prior to sending a transfer, the payer will need to set up and authenticate their Zelle account.

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Frequently Asked Questions

Below are a few of the most common questions we receive from people looking into Zelle Limits. If you have further questions you would like to ask our team, don’t hesitate to get in touch.

Can I Send $5,000 Through Zelle?

Yes, you can send USD 5,000 through Zelle. However, your bank may impose specific transaction restrictions on values over a certain threshold. That said, many Zelle banks allow for transfers of USD 5,000, including Citibank, Chase Bank, and Ally Bank.

Does Zelle Have a Daily Transfer Limit?

Yes, Zelle does have a transfer limit. If your bank does not currently offer Zelle, then you will only be able to send USD 500 per week. However, if your bank does offer Zelle transfers, then you will be able to send their daily transfer max which is typically between USD 1,000 and USD 5,000.

What Is the Maximum Amount You Can Send With Zelle?

The maximum daily limit that you can send with Zelle entirely depends on the financial institution where you hold accounts. In most cases, the daily limit is between USD 1,000 and USD 5,000, with monthly limits ranging between USD 5,000 and USD 40,000.

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GlobalBanks Team
GlobalBanks Team

The GlobalBanks editorial team comprises a group of subject-matter experts from across the banking world, including former bankers, analysts, investors, and entrepreneurs. All have in-depth knowledge and experience in various aspects of international banking. In particular, they have expertise in banking for foreigners, non-residents, and both foreign and offshore companies.

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