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

Updated on August 14, 2022

Zelle Transfer Limit

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

There is not doubt that app-based online money transfers such as transferring funds from Zelle to PayPal have made it much easier to split dinner bills or help a friend in emergency.

In fact, Zelle is just one good option that comes to mind. Alternatives like using Cash App to withdraw money or send it to other accounts, exist and are available at all times for its users.

There is one thing though that you need to keep in mind.

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

So if you have not been aware of this before, we are here to talk about all the limits that apply to Zelle transactions so you can be a step ahead when making payments and not be taken by a surprise when you reach the limit.

(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 quantity of money you can send with Zelle is determined by the bank you use. The daily and weekly limits for each major bank that offers Zelle are not the same.

Before we get started on that, there’s one more vital question that needs to be addressed:

What if your bank doesn’t participate in Zelle?

Obviously, you can still use Zelle to transmit money, but the limit is much lower in this situation. You can only send $500 every week, but you can send bigger sums with a connected bank.

The daily limit for Zelle varies by bank, however it ranges from $500 to $2500.

The monthly limit bracket for Zelle is $10000 to $50000, depending on the bank’s options.

Attention! You can get an unlimited amount of money using Zelle. The account is set up to take as much money as the sender wants to send.

The following is a list of the major banks in the United States, along with information on their daily and monthly limitations. Check it out!

 

Bank Daily Limits Monthly Limits
Ally Bank Up to $500 Up to $10,000
Bank of America Up to $2,500 Up to $20,000
Capital One Up to $2,000 Up to $10,000
Chase Business Checking Account Up to $5,000 Up to $40,000
Chase Personal Checking Account Up to $2,000 Up to $16,000
Citibank Basic or Access Account Up to $1,000 Up to $5,000
Citibank Priority or Citigold Account Up to $1,000 Up to $5,000
Citizens Bank Up to $1,000 Up to $5,000
Discover Up to $600 N/A
PNC Bank Up to $1,000 Up to $5,000
TD Bank (Instant) Up to $1,000 Up to $5,000
TD Bank (Standard) Up to $2,500 Up to $10,000
US Bank $1,500 to $2,500 $5,000 to $10,000
USAA Up to $1,000 Up tp $10,000
Wells Fargo Up to $2,500 Up to $4,000
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Note that the aforementioned restrictions were verified at the time of writing. Authorities have the authority to amend them at any time and without notice. We make every effort to keep the information current at all times.

Are These Limits Sufficient To Use?

Transfer limits on Zelle are in place to protect you from fraud. But how do you do it?

Consider this scenario: an unknown person gains access to your account and is able to withdraw funds from it. He won’t be able to leave your account fully empty because there is a limit to how much you can send via Zelle.

However, whether these restrictions are sufficient for your daily, weekly, or monthly transactions is dependent on how frequently you use Zelle.

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

If the Zelle limits aren’t sufficient for you and you find yourself over them on a weekly or monthly basis, that’s acceptable. Although there isn’t much you can do to increase the transfer limit, there are several alternatives. Take a look!

Look for a different way to pay for things online.
Zelle isn’t a doom-and-gloom scenario!

There are a slew of other quick transfer options, as well as apps like Venmo, Cash App, and PayPal that provide similar functions.

These apps are all mobile-friendly and easy to set up. Some transfers may take several days to complete, while others are completed immediately.

Below, we’ve looked at the charges, payment limitations, and platforms that work with a few popular mobile money transfer apps.

Apps with data transfer limits

Sending and receiving money fees

Zelle is a live operating system that you may download right now.

It is subject to the bank’s approval.

FREE, FREE, FREE Depending on the bank, it varies.
PayPal
Each transfer has a value of $10,000.
ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID
The rent is $250 per week.
ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, ANDROID, AND
Venmo a $2,999.00 weekly wage (1)
ON ANDROID AND IPHONE, THE FREE(2) WEBSITE IS AVAILABLE.
Variable in PopMoney (3)
$0.95
ON ANDROID AND IPHONE, THE WEBSITE IS AVAILABLE FOR FREE.
The transfer restriction on Venmo is based on a rolling seven-day period. Here’s where you can learn more about Venmo’s transfer limits.
Venmo transfers are free unless you use a credit card. In this case, you will be charged 3 percent of the total cost.
PopMoney debit cards have daily and monthly limitations of $500 and $1,000, respectively. PopMoney bank accounts have daily and monthly limitations of $2,000 and $5,000, respectively.
Checks should be used instead.
Why should we discard the traditional check-based technique of money transfer? Things is a solid, safe, and quick way to complete the task.

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E-checks are now supported by many smartphone apps, allowing you to deposit a check without having to go to the bank.

Your best option is to pay cash.
Cash payments are still a feasible choice if you don’t need to make a large transfer. You can safely transport that money to the bank or to the intended recipient.

If you can’t wait for your internet transfers to finish, this is also a good option.

You can withdraw money from a nearby ATM, but you must stick to the withdrawal limits. After that, the funds can be sent to the recipient’s bank account.

Finally, but not least, Just a few minutes longer!
Are any of the aforementioned options unsatisfactory to you?

The only thing left for you to do is wait.

The Zelle transfer limit period will be renewed after it ends, allowing you to execute transactions once more.

This approach is the most time-consuming, but it can get the job done, especially if you’re dealing with a large quantity that you don’t want to send via check or cash.

For The Newbies: What Is Zelle App and How Does It Work

Despite its high prices, Zelle has become one of the most popular money transfer apps in the United States.

The payment procedure is straightforward.

Activate the Zelle application. You can check to see if your bank account allows it.
Provide the recipient’s account details, such as their email address or phone number.
Enter the amount of money you’d like to send.
Send the message.
Hopefully, the monies will be sent to the receiver within a few days. If the recipient of the funds has enrolled their Zelle account, they will receive an email confirmation.

But what is it about Zelle that makes her so unique?
To begin with, there are no fees associated with it. You can send and receive funds without incurring any fees. The sole stipulation is that no credit cards will be accepted. As a result, you must use reloadable debit cards or bank accounts.

Furthermore, Zelle ensures that money transfers to enrolled accounts are made instantly. Funds are exchanged for recipients who have not yet joined in Zelle.

Is Zelle Safe To Use?

We don’t want to give you false hope by comparing Zelle’s security features to those of other popular apps like PayPal.

However, it is still a safer option than carrying cash in your pocket or using other questionable methods.

Because Zelle is most commonly used in conjunction with a bank account, your financial information is already protected, and the money you send through the app is covered.

However, there are a few things to keep in mind while transferring or receiving money using Zelle.

Make sure you’re sending money to the correct person. Once a payment has been made, it is difficult to cancel.
Before pressing the Send button, double-check the transfer amount.
If you’re buying for something online, make sure you get it first before sending the money.
Because Zelle transfers are difficult to reverse, these safeguards are important. If you are a victim of a fraud or do not receive an item for which you have paid, you may not be able to recover your payments using Zelle.

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Furthermore, if your account is hacked or money is transferred without your permission, you must contact your bank to see if they are willing to handle the fraud. In this scenario, Zelle may be of limited aid.

Wrap Up

Other P2P apps do not allow you to send money rapidly without incurring additional fees, as Zelle does. You can avoid fraud and scams if you learn to utilise it wisely.

Furthermore, it is critical to be aware of Zelle’s transfer constraints. This will allow you to shop within your budget and avoid any unpleasant surprises when transferring money with Zelle.

We hope that this post has provided you with all of the information that you were looking for. Please leave your questions in the comments box below so that we can respond as soon as possible.

Frequently Asked Questions About Zelle Transfer Limit

Is Zelle a reliable money-transfer service?

Zelle is a great option if you need to send money quickly and without incurring any costs. In fact, the fact that Zelle is free is its biggest advantage over other peer-to-peer transmission apps.

However, you must use it cautiously in order to avoid any discomfort. It’s also a good idea to transfer funds to familiar accounts and only buy from reputable companies that will refund you if your package does not arrive on time.

Is there a maximum amount of money I can send with Zelle?

Although you can transmit a certain amount to each bank account using Zelle, the real amount varies greatly from one bank to the next.

If, on the other hand, your current bank account or credit union does not accept Zelle, your weekly sending limit will be $500. If you don’t register a new account that supports Zelle transactions, you won’t be able to increase or decrease this transfer limit.

Is it possible to stop a Zelle payment in the middle of it?

Yes, you can cancel some but not all of your Zelle payments. Payments owed to someone who has not yet signed up for Zelle, for example, can be cancelled at any time.

Zelle’s activities page in your official account has this information.

What is the Wells Fargo Zelle account limit?

The Zelle app has a limit for Wells Fargo accounts. The weekly payment is $1,000, and the monthly payment is $5,000. You can’t go above these transaction limits when using Zelle to send or receive money from a Wells Fargo bank account.

These restrictions may differ depending on the bank you choose.

Is there a limit to how much money I may send with Zelle Bank of America?

Yes, with Zelle Bank of America, there are transfer limits. You have the option of sending up to $2,500 each day and $20,000 per month.