Only Send Money to Friends, Family and Others You Trust (2023)

Resources & Tips for Sending Money Safely

  1. Confirm your recipient’s contact information.Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact your friend to double check.
  2. Beware of payment scams. If an offer sounds too good to be true, it probably is. For example, is a stranger selling online concert tickets at a steep discount and insisting you pay withZelle®? Think twice. Make sure you only send money to people you personally know and trust.
  3. Understand your payment options. If you don’t know a person or aren’t sure you’ll get what you paid for, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your credit card to see what’s offered. Unlike a credit card,Zelle®does not offer a protection program for any authorized payments made withZelle®– for example, if you do not receive the item or the item is not as described or as you expected.

If you’d like more information on peer-to-peer payments safety, check out these articles from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB).

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Helpful Tips for Using Mobile Payments Services and Avoiding Risky Mistakes
Tips on Using Peer-to-Peer Payment Systems and Apps
How to Keep Your Personal Information Secure Online

Report a Scam

To report fraud or a scam please fill out the form on this support page.

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Responsible Disclosure Program

If you are a security researcher and would like to report a vulnerability that you believe you’ve found inZelle®or any products of Early Warning Services* (the company behindZelle®), we would like to work with you to investigate the issue. We ask that you do not disclose your finding publicly, and allow a reasonable timeframe for us to address your report. Our responsible disclosure program is currently managed by HackerOne.

*About Early Warning Services, LLC
Early Warning delivers innovative payment and risk solutions to financial institutions nationwide. For over 25 years, Early Warning has been a leader in technology that helps move money fast, safe and easy. We serve a diverse network of approximately 2,500 financial institutions, government entities and payment companies. For more information,

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Why is Zelle not accepting my debit card? ›

Some debit cards don't yet have the capability to receive money in minutes. Those debit cards that are not 'fast funds enabled' can't be used with Zelle®. Your debit card may work in the future as more and more banks and credit unions are enabling their debit cards to have the ability to receive money in minutes.

Why does Zelle say I reached my limit? ›

Sending limits: For your security, we restrict the amount of money you can send to recipients. There are daily and 30-day (rolling) limits. The amounts you can send daily and over 30 days will vary based on your funding account, your recipient and the transaction history for each recipient.

What is the safest way to send money? ›

The safest way to send money through the mail is with a money order. This offers more security than cash, as it's only payable to a specific person and can be cancelled and reordered if it is stolen or lost. It's also better protected than a check, as it isn't linked to a bank account.

What is the best way to send money to family members? ›

How to send money online, on mobile or in person
  1. Venmo: Best for mobile.
  2. Cash app: Best for referral bonus.
  3. Zelle: Fastest for domestic transfers (tie with Google Pay).
  4. Google Pay: Fastest for domestic transfers (tie with Zelle).
  5. PayPal: Most popular online.
  6. Walmart2Walmart: Best for nonbank transfers.
Oct 3, 2022

Why does my Zelle fail to send money? ›

If you are sending a payment and an error occurred:

There may be an issue with the email address or mobile number they have enrolled with Zelle®. You may verify with the Recipient they have fully enrolled with the email address or mobile number you are trying to send money, and have opted into receive notification.

What banks does Zelle work with? ›

You can still get in on this awesome way to send money by downloading the Zelle® app for Android and iOS.
  • AMG National Trust Bank.
  • Amoco Federal Credit Union.
  • Anchor Bank.
  • Andrew Johnson Bank.
  • Andrews Federal Credit Union.
  • Anstaff Bank.
  • APCU/Center Parc.
  • APL FCU.


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