Zelle limits at top banks

Zelle is a mobile payment service that enables you to send money electronically from your bank account to the accounts of family members or friends. Conveniently, the money can appear in the recipient’s account almost instantly, and you don’t need to bother handling cash or writing a check. Zelle transaction limits vary by bank and can range from $500 to $10,000 or more per day. There may also be weekly and monthly limits. 

While Zelle is commonly used for purposes like friends splitting a check in a restaurant, it can also be used for sending people larger amounts of money — although banks do impose daily and monthly limits. Here we’ll go over what the Zelle transfer limits are at various banks.

Zelle transfer limits by bank

Below are the Zelle transfer limits various banks impose on personal customers.

Limits may change or vary by account. Please check with your bank to see what the current daily, weekly and monthly Zelle limit is.

Receiving limits for Zelle

While banks typically limit the amount of money you can send using Zelle, they may not impose limits on how much you can receive. Check with your bank to see if there are any restrictions on receiving from Zelle. Keep in mind, however, the person sending you money likely has a limit imposed by their bank regarding how much they can send.

Can I transfer money using the Zelle app?

It used to be possible to send money using the Zelle mobile app. However, starting in April 2025, it’s no longer possible to send money using the app. As such, anyone who uses Zelle to send or receive money needs to do so through their bank’s app or website. More than 2,200 banks and credit unions offer Zelle to their customers.

How banks set Zelle limits

Most banks set Zelle transfer amount limits per day and per month, and some also set weekly limits. Many also set limits per transaction as well. What’s more, banks also commonly offer the option to transfer money through Zelle instantly or through a standard payment that takes between one and three days — and you’ll often be able to send more money when using the standard method.

There may be separate Zelle limits for small business bank accounts, as opposed to a personal account.

Alternatives to Zelle

Third-party apps: While Zelle comes as part of your bank’s app, there are various other third-party apps you can use to send money to peers, such as Venmo and Cash App. However, these also come with dollar limits on how much you can send to a person in one day.

ACH transfer: If you need to send more than the limit for Zelle at your bank, you have a few options. You can usually send larger amounts with an Automated Clearing House (ACH) transfer, if your bank allows it. 

Wire transfer: You can also create a wire transfer. Limits to these transactions depend on the issuing bank and can range anywhere from $1,000 to $250,000 or more per day. You might incur fees though, especially for wire transfers.

PayPal: As another alternative, you can send up to $60,000 per transaction from a verified PayPal account.

How to use Zelle safely

Overall, Zelle is considered a safe way to send and receive money with your family and friends. But there is a fraud risk when using Zelle. To minimize your chances of getting scammed out of your money, follow these safety tips:

• Only use Zelle to send money to people you know and trust.
• Check the recipient’s handle and confirm the last four digits of their phone number to ensure you have the right person.
• Beware of anyone you don’t know who asks you to send them money through any payment system such as Zelle. 
• Treat transactions like cash. Remember, if you fall victim to a scammer by transferring money to them through Zelle, there’s no guarantee you’ll be able to recover the money you lost since you technically authorized the transaction.

Bottom line

Sending money to your friends and family members through Zelle is often quicker and easier than paying them through cash, a check or a wire transfer. If you plan to use Zelle to send large amounts of money or to use the service frequently, it’s important to know your bank’s limits per day and month, as well as per transaction.