Send money fast and secure with Zelle®

What’s Zelle®?

It’s a fast and safe way to send and receive money with friends and family, right from our app1 direct to their bank accounts — in just minutes.2

How it works:

  • Almost anyone can use it

    You just need a bank account in the U.S. and a U.S. mobile number or email

  • No fees

    Use Zelle right from the Bank of America mobile app with no fees to send or receive your money

  • It’s fast and safe

    Receive money in minutes2 using only your U.S. mobile number or email so your account information remains private.3

  • Use Zelle with almost
    any bank2

    Millions of people have it in their bank’s app or the Zelle app is available to download

Get started

Open the Bank of America® Mobile Banking app. Sign in and tap “Transfer | Send”, then follow the simple on screen instructions.

Not a Bank of America customer? You can still send and receive money with Zelle. Go to zellepay.com to get started.

Send section

Send Money

Need to pay your roommate for your share of the cable bill or rent? Simple. It doesn’t even matter where they bank.2

  • Tap Transfer and Send and then Send.
  • Select or add your recipient and enter the amount
  • Include an optional note and tap Send Money.
  • 1Tap “Transfer | Send” and then “Send.”

  • 2Select or add your recipient and enter the amount.

  • 3Include an optional note and tap “Send Money.”

Zelle is available to millions of people at banks across the U.S. Friends and family can receive money by using their bank’s app or downloading the Zelle app. Once they enroll, money will arrive directly to their bank account in minutes.2

See transaction limits

Receive section

Receive money

Get set up so you’re ready to receive money with Zelle. All you need to do is enroll your U.S. mobile number or email and the money will move directly into your Bank of America account. You’ll receive the money in minutes2 and also be set up to receive future payments.

  • Sign in and tap Transfer and Send. Then tap “Begin Setup” or Manage Settings and follow the instructions.
  • Add the email or U.S. mobile number the sender used to contact you.
  • Check your text messages or email for a one-time code, so we can confirm it's you.
  • Next time someone sends you money, we’ll move it to your account within minutes
  • 1Sign in and tap “Transfer | Send.” Then tap “Begin Setup” or “Manage Settings” and follow the instructions.

  • 2Add the email or U.S. mobile number the sender used to contact you.

  • 3Check your text messages or email for a one-time code, so we can confirm it’s you.

  • 4You’re all set!
    Next time someone sends you money, we’ll move it to your account within minutes.2

Request section
  • Sign in and tap Transfer and Send.
  • Select Request and choose from the list or enter the email address of the person who owes you money.
  • Enter the amount and select deposit account and tap Continue.
  • Review your request, add a message. The recipient will receive an email request to send you money.
  • 1Sign in and tap “Transfer | Send.”

  • 2Select “Request” and choose from the list or enter the email address of the person who owes you money.

  • 3Enter the amount and select deposit account and tap “Continue.”

  • 4Review your request, add a message. The recipient will receive an email request to send you money.

Split section
  • Sign in and tap Transfer and Send
  • Tap Split and select or enter the email of the contacts who owe you money.
  • Enter the total you're requesting. The app will calculate each person's share; you can change each amount if it's not an even split.
  • Tap Request money. The recipients will receive an email request to send you money.
  • 1Sign in and tap “Transfer | Send.”

  • 2Tap “Split” and select or enter the email of the contacts who owe you money.

  • 3Enter the total you're requesting. The app will calculate each person's share; you can change each amount if it’s not an even split.

  • 4Tap “Request money.” The recipients will receive an email request to send you money.

Start using
Zelle today.

Enter your U.S. mobile number and we'll
text you a link to download the
Bank of America® Mobile Banking app so
you can get started.

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Not a Bank of America customer?
You can still send and receive money with Zelle.
Go to zellepay.com to get started.

Explore our FAQs

1 Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

2 Zelle should only be used to send money to friends, family or others you trust.

We recommend that you do not use Zelle to send money to persons that you do not know. Transfers require enrollment in the service and must be made from an eligible Bank of America consumer deposit account to a domestic bank account or debit card. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. We will send you an email alert with delivery details immediately after you schedule the transfer. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for details, including cut-off and delivery times. Payment requests to persons not already enrolled in Zelle must be sent to a U.S. email address. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle offers a protection program for any authorized payments made with Zelle.

3 You are not liable for fraudulent Online and Mobile Banking transactions when you notify the bank within 60 days of the transaction first appearing on your statement and comply with security responsibilities. See Section 5 of our Online Banking Service Agreement for full terms and conditions.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.