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Zelle International Money Transfers

Zelle Pay is a modern financial service offered by Zelle. Originally founded as clearXchange in 2011, the company was owned by Bank of America, JPMorgan Chase, and Wells Fargo.

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About Zelle Pay

With the overhaul in 2017, the company took its current name, Zelle. Since then, Zelle has been focusing on digital payment services. It’s now a mobile payment processing network, using the infrastructure developed by some of America’s biggest banks. They now offer payment processing and person-to-person money transfers.

Among Zelle’s services, there is a US domestic money transfer option. However, Zelle is more known for transfers between bank accounts with Zelle integration.

Let’s look at what Zelle Pay offers those looking for a money transfer service.

Zelle Pay Exchange rates and fees

Unfortunately, Zelle’s money transfers are only for the US domestic market. You can send money from one US bank to another. However, if the recipient is abroad and can access their US bank account there, you can get them the money they need.

Zelle is a free payments app, which makes it a bit different from most money transfer services. Essentially, Zelle Pay facilitates transactions between bank accounts. This makes their fee structure a bit different as well.

Exchange rate

All Zelle transactions are conducted in US Dollars. There is no possibility for currency exchange markups. It’s just one US Dollar for one US Dollar.

Transfer fees

Zelle Pay does not charge any fees for its service. However, you will need to check with your bank to see if they are charging any service fees. 

Additional costs

How do Zelle Pay transfer fees compare to using other money transfer providers?

While Zelle lacks many of the features and transfer possibilities of other money transfer providers, most of those other providers aren’t free. If you just need to transfer money between US bank accounts, $0.00 is the best deal you’ll find.

Zelle Pay pros and cons

Free transfers between US bank accounts.
Strong security makes Zelle a safe option for US bank transfers.
Fast transfer speeds add even more to the free bank transfers Zelle offers.
For services you can’t get with Zelle, you can look at the list of integrations possible with the app. There are many banking apps that can be connected with Zelle.
While there is good security for transfers, there is no fraud support if something slides through the cracks. This is made worse by the fact that some transactions can’t be canceled.
You can only conduct bank transfers between US accounts. While Zelle offers a fast and free option, it’s the only option they offer.
Credit cards are not accepted.

Answers to key questions about Zelle Pay

Can I open a Zelle Pay account in any country?

Zelle Pay only offers service to people with US bank accounts. If you don’t have a US bank account, they don’t have anything to offer you.

Does Zelle Pay have an app?

Yes. You can download the app from the App Store or Google Play.

Are there transfer limits?

There are no limits to the amount you can receive.

For banks that don’t offer Zelle, you can only send $500 per week. Banks that do accept Zelle set their own transfer limits, which are typically far higher than $500 per week.

How long do transfers take with Zelle Pay?

Zelle transfers are normally completed in a matter of minutes. Exact transfer times may vary from bank to bank.

What customer support options are available?

  • Phone
  • Support ticket (email response)

Can I use a Zelle Pay debit card when travelling abroad?

Zelle does not offer its own debit card. But you can use Zelle’s transfer service with any Visa or MasterCard debit card.

How to open an account and transfer money with Zelle Pay

Opening an account

Zelle comes included with the main apps from many US banks. Because it’s already integrated, you don’t need to download it separately.

If your bank doesn’t come with Zelle, you can download one of their apps.

After you download the app, follow the instructions for sending money. Zelle’s separate apps are easy to use and intuitively designed.

Transferring money

This is where Zelle really stands out.

To transfer money, all you need is the recipient’s phone number or email. Then, you can just select the account you want to send money from, and how much money you want to send.

The recipient will receive a text or email with instructions explaining how to deposit the money.

The whole process is very simple and secure. Your recipient will be able to complete the transaction moments after receiving the Zelle email or text.

Additional Information

The Zelle Pay interface also allows you to request money or split purchases. All you need to do is click a few options on the Zelle interface. For splitting purchases, you just type in the full cost and choose who you’re splitting the cost with. 

Customer service details for users of Zelle Pay

You are supposed to call your financial institution for assistance with Zelle. Most banks’ mobile apps or online accounts offer support. Normally, you call the number on the back of your debit card that you use with Zelle.

If your bank or other financial institution doesn’t offer Zelle, you can call the company directly at:

Can I use Zelle Pay for international bank transfers?

No, Zelle is a US domestic mobile bank transfer system. It doesn’t offer international transfers.


Zelle is not a traditional money transfer provider. But they do provide a convenient and useful service for people seeking money transfers inside the US. While credit cards aren’t accepted, you can use common payment methods to quickly send money. If you’re looking for a new way to send money in the US, Zelle Pay’s free service is worth a look.

April Summers

April is a journalist and full-time content writer for MoneyTransfers.com. Over the last decade she has written for a number of different online and print publications. Having lived overseas in Canada and Vietnam, April hopes to see more of the world as soon as possible, with Japan at the top of her travel list. As a former expat, April has first-hand experience of managing finances from overseas. She enjoys writing about forex trends and the future of banking.

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