Zelle Transfer Limit – Although it has a daily transfer limit for security reasons, Zelle Pay is a personal payment software that aims to provide its customers with unrivaled simplicity. Popmoney, Venmo, and Paypal are its main competitors.
Zelle has made a name for itself as a safe and secure way to move money from one account to another. It has a one-of-a-kind function that allows users to transfer money without having to link their accounts to a third-party service.
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Many consumers prefer to utilize Zelle Pay as a result of this feature. However, there is a Zelle Transfer Limit on how much money you can send or receive.
In this post, we’ll look at the question, “What is Zelle limits?” Furthermore, once you’ve reached your Zelle daily limit, we’ll think about other choices available.
In other words, you’ll learn what you can do once you’ve reached your Zelle daily limit.
It’s useful to consider that the Zelle Transfer Limit varies depending on the bank you use. PNC, Ally, and TD bank Zelle restrictions, for example, differ from Bank of America, Wells Fargo, Citibank, Chase, and Capital One Zelle daily restrictions.
Before we begin, there are a few things I’d like you to be aware of. If you’re reading this to decide whether or not to use Zelle Pay, you’ve come to the right place. So, here’s what I can tell you: Zelle is a very fast way to send or receive money.
The good news is that you don’t need to be a tech whiz to set up a Zelle Pay account. It only takes a few minutes to set up your Zelle account. Following that, you can begin using its services.
After that, these are the daily Zelle transfer limit for the top 12 banks:
|Bank||Zelle Daily Limit|
|Wells Fargo||A daily limit of $2,500|
|TD Bank||• Immediate transfers: Up to $1,000 per day|
• Transfers within 3 days waiting period: Up to $2,500 per day
|USAA||Up to $10,000 in a day|
|U.S. Bank||Between $1,000 and $2,500 per day|
|PNC Bank||Up to $1,000 in a day|
|Discover||A maximum transfer of $600 in day|
|Citizen’s Bank||Supports a $1,000 daily limit|
|CItibank||• All new Citi customers with less than 90 days old accounts have a daily limit of $1,000|
• Citi customers with an account older than 90 days;
— For Citibank, Access, and Basic accounts: Up to $2,000 per day
— For Citigold, Citi Private, and Citi Priority Bank accounts: Up to $5,000 per day
|Chase Bank||• Chase Liquid cards and Chase Personal Checking accounts have a daily limit of $2,000|
• For Chase Business Checking and Chase Private Client accounts: Up to $5,000 per day
|Capital One||A maximum transfer of $2,000 in a day|
|Bank of America||Up to $2,500 every 24 hours|
|Ally||You’re restricted to $500 daily transfer limit|
Monthly Zelle Transfer Limit
A table showing Zelle monthly send or transfer limit is shown below.
|Bank||Zelle Monthly Limit|
|Wells Fargo||A monthly limit of $4,000|
|TD Bank||• Immediate transfers: Up to $5,000 per month|
• Transfers within 3 days waiting period: Up to $10,000 in a month
|USAA||Up to $10,000 in a month with a maximum of 21 transactions per week|
|U.S. Bank||Between $5,000 and $10,000 per month|
|PNC Bank||Up to $5,000 per month|
|Citizen’s Bank||A monthly limit of $5,000|
|CItibank||• All new Citi customers with less than 90 days old accounts have a monthly limit of $5,000|
• Citi customers with an account older than 90 days;
— For Citibank, Access, and Basic accounts: Up to $10,000 in month
— For Citigold, Citi Private, and Citi Priority Bank accounts: Up to $15,000 per month
|Chase Bank||• For Chase Liquid cards and Chase Personal Checking accounts: Up to $16,000 per day|
• While Chase Business Checking and Chase Private Client accounts have a monthly limit of $40,000
|Capital One||Up to $10,000 within a rolling 30 days period|
|Bank of America||A maximum of $20,000 per month|
|Ally||Between $5,000 and $10,000 per month|
We can separate the various components of the table above and investigate each one individually. As a result, starting with Wells Fargo, here is the Zelle daily send limit for each bank.
Zelle Transfer Limit – Wells Fargo
Wells Fargo does not limit how much money you can receive using Zelle if you use a U.S. mobile phone number or an email address, according to the bank’s official website.
Even yet, depending on the policies of the payment network or financial institution the sender is using, the amount they can transfer may be limited.
Wells Fargo, on the other hand, limits the amount of money you can send to recipients for security concerns.
The amount of money a customer can send each day and over a 30-day period is determined by their funding account, recipient’s account, and transaction history.
What is Zelle daily send limit for Wells Fargo?
Wells Fargo’s Zelle daily limit is $1,000 to $2,500, with a monthly limit of $20,000. However, if you send money from Wells Fargo to a newer receiver, you will be charged $4000 every month.
How to use Zelle Pay on Wells Fargo
Step 1: Go to your online banking account and log in.
Step 2: Select the Zelle Send Money option.
Step 3: Accept the notice of transfer services.
Step 4: Put in the recipient’s account information.
Step 5: Double-check the information you’ve provided.
USAA Zelle transfer limit
USAA allows three transactions per day and a total of 21 transactions per week. However, you have a daily rolling limit of up to $1,000, a weekly rolling limit of up to $2,500, and a monthly rolling limit of up to $10,000.
How to use Zelle with USAA
Step 1: Go to USAA official website to enroll for Zelle Pay.
Step 2: Sign in to USAA mobile app.
Step 3: Tap the Tranfer button at the top of the screen on an Android device. Tap the transfer button at the bottom of the screen if you’re using iOS.
Step 4: Select Transfer (Zelle) and enter the information for the receiver
Note: You must use a checking, savings, or debit card account to transfer or receive money.
Zelle Transfer Limit – U.S. Bank
With a U.S. Bank checking account, you can make daily transfers ranging from $1,000 to $2,500 and monthly transfers ranging from $4,000 to $10,000.
Because these amounts are liable to change at any time without notice, it is important to evaluate your limits before transferring funds.
You can do so by selecting “How much can I send?” from the drop-down menu next to the Amount field.
PNC Zelle limits
PNC users have a $1,000 daily Zelle restriction and a $5,000 monthly transfer restriction.
Discover and Ally Bank
Discover and Ally Zelle limits
Ally Bank has the lowest Zelle daily transfer restriction, with a maximum of $500 per day, followed by Discover, which has a daily limit of $600.
Even yet, Ally has a reasonable monthly cap of $10,000.
Zelle Transfer Limit – Citibank
Your daily or monthly Zelle restrictions are determined by your deposit history and the Citibank checking account you use.
What is daily Zelle transfer limit for Citibank?
A daily restriction of $1,000 and a monthly restriction of $5,000 apply to those who have been a Citi customer for less than three months.
Customers with Citibank, Access, or Basic accounts that have been open for more than 90 days can transfer up to $2,000 each day with a monthly limit of $10,000.
Holders of Citigold, Citi Private, or Citi Priority Bank accounts, on the other hand, have a Zelle maximum of $5,000 per day and $15,000 per month.
Zelle Transfer Limit – Chase Bank
Chase Bank, like Wells Fargo, does not have a limit on the amount of money you can receive. Regardless, the quantity of money you can send with Zelle Pay is determined by the type of account you use.
What is daily Zelle limit for Chase Bank?
Bank of America, Chase In a single transaction, Chase Liquid cards and Chase Personal checking accounts can transfer up to $2,000 in total.
A daily restriction of $2,000 is also in place. The daily rate for such accounts is $16,000 per month.
The daily maximum for Chase Business Checking and Chase Private Client accounts is $5,000, which can be sent or received in a single transaction. Furthermore, these accounts have a monthly restriction of $40,000 on these accounts.
How to use Zelle Pay on Chase Bank App
Step 1: Open the Chase Bank App and log in to your account.
Step 2: Select “Send Money” from the navigation bar.
Step 3: Select QuickPay with Zelle from the drop-down menu.
Step 4: Choose a current recipient or add a new one.
Step 5: Enter the amount you want to send, then select the Send Money option.
How to activate Zelle Pay on Chase Bank Website
Step 1: Go to the Chase Bank website and log in.
Step 2: Select “Pay & Transfer” from the drop-down menu.
Step 3: Choose Chase QuickPay with Zelle from the drop-down menu.
Step 4: Agree to the terms of service and the privacy notice.
Step 5: Use the authentication code delivered to your phone to verify that your email address or mobile phone number is correct.
Step 6: Select your QuickPay with Zelle account, which might be a Chase Liquid Card or a Checking account.
You should now be able to use Zelle Pay on your Chase Bank account to receive or transfer money.
Zelle Transfer Limit = Capital One
Zelle daily and monthly limit for Capital One
Regardless of your account type, if you use Capital One to send money using Zelle Pay, you will be able to send up to $2,000 per day and $10,000 per month.
Bank of America
What is daily Zelle transfer limit for Bank of America?
Bank of America, like Wells Fargo and Chase Bank, has no limits on what you can receive. There is, however, a limit to how much you can send.
Bank of America has a daily restriction of $2,500, with a maximum of 10 transfers per day. If you have another Zelle user’s U.S. cellphone number or email address, you can send money to them using BOA’s Mobile Banking app or Online Banking.
There is a weekly restriction of $10,000 with no more than 30 transactions and a monthly restriction of $20,000 with a total of 60 transfers.
How to send money using Zelle Pay on Bank of America
Step 1: Open the Bank of America mobile app and log in.
Step 2: Select Zelle from the drop-down menu under Transfer.
Step 3: Finally, press the send button.
Step 4: Choose a current recipient or add a new one.
Step 5: Enter the amount you want to send and the account type from which you want to send it.
How to receive money using Zelle on BOA
Step 1: Log in to the Bank of Ameria mobile app and select Transfer Zelle.
Step 2: Select Settings or Setup from the drop-down menu and follow the on-screen instructions.
Step 3: Enter the sender’s email address or phone number. The sender’s Zelle Pay account must be linked to this email address or phone number.
Step 4: Look for the OTP code in your inbox or through SMS.
Step 5: To finalize the transaction, enter the OTP code in the field provided.
Last but not least,
As technology advances, we will soon be able to send money or make transfers without having to go to a bank or an ATM.
The availability of mobile payment P2P systems that allow you to transmit money to your loved ones, friends, and business contacts via your phone is a game-changer.