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App name
Zelle
Description
Zelle® has partnered with leading banks and credit unions across the U.S. to bring you a fast, safe and easy way to send money to friends and family. Money moves quickly - directly from bank account to bank account. If your bank or credit union offers Zelle, you already have it in your mobile banking app or online banking – if they don’t, the zelle app will make it easy for you to send money to enrolled Zelle users that already have access through their financial institution. Zelle. This is how money moves®. Using just your recipient’s email address or U.S. mobile number, you can settle up simply and safely with almost anyone you know and trust. Even better, Zelle does not charge any fees to use the service. (Mobile carrier or bank fees may apply). GET STARTED: 1. Download the zelle app. 2. Enroll using a Visa® or Mastercard® debit card linked to a U.S. checking account; or 3. Enroll your U.S. checking account by using your online banking username and password, if your bank supports this feature*. 4. Choose a person to pay, or request money from, by entering their U.S. mobile number or email address. 5. Confirm the amount and hit send. If they’re already enrolled with Zelle, they’ll typically get the money in minutes. If they aren’t, they will be notified and can follow a few simple steps to complete the payment. *Some banks allow customers to enroll in the zelle app using their online or mobile banking username and password. Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC You must have a bank account in the U.S. to use Zelle.
What good is a money-transfer app that doesn’t transfer money?
by AbiGtDRnoWwwnkUj on 2021/02/23 17:55
I’ve been getting an “error A101” every day for the last week trying to use this app. I had to send $450 to someone. Support told me to try half that, and that worked. But as many times as I try, it will not send the other half. Why not? Error A101! When might I be able to do this? Error A101! Can you tell me there’s an error before I enter all the info? Error A101! Forgot this, back to PayPal for me.
Updates
by CAPITALS 2018 on 2021/02/23 17:39
Make more updates for the app for better protection!!
Best way, I know of, to send money.
by Teibeof5 on 2021/02/23 15:04
No hassle.
Literally the Best
by 95Sparky on 2021/02/23 01:37
Secured money transferring at its finest.
Complete garbage
by microbeta on 2021/02/23 01:35
Setup is a complete PITA. I am not sure what “problem” they are solving. The only reason I tried to sign up is to pay a vendor that uses this crap service. I ended up sending a check because this is garbage. There is no threat to PayPal or any other ETF service from Zello...
Great!
by That Dancing Guy on 2021/02/22 23:30
This app has been a lifesaver for years on multiple occasions I just with the weekly limit was a tad bit higher—my credit union doesn’t have Zelle so I get stuck if I have to move bill money within the same week
Love
by yex333 on 2021/02/22 23:12
I truly love the way it transfers money quickly and effortlessly. Best I have used
?
by joshhhhhyegt on 2021/02/22 08:58
Does ZELLE allow greendot users
Please add pin
by Basicallysteve93 on 2021/02/22 06:03
The app is ok, but I noticed you can login without entering your pass or a pin. Having an option to at least use a pin before making payments would be ideal.
Pollojollo
by pollojollo on 2021/02/21 17:30
Me fasina....mejor q otros
Zelle App vs Banking App Use
by CosmicDragonfly on 2021/02/21 15:29
NOTE TO DEVELOPERS: I wish I could use the Zelle app even though it’s built into my Chase Bank app. I have an iPhone 6+ that works great and is in like-new condition, so I have no real need to buy a new phone. But right now (Feb 2021), the Chase Bank app requires update v13.0, and my phone isn’t prompting for any updates beyond the version 11 or 12 it’s currently at, so I can no longer use the Chase app. As a solution, I thought I’d download the Zelle app and just use that instead. It was disappointing to see that Zelle’s setup prompts users to go to their banking app and doesn’t offer a “continue to use Zelle anyway” option. I’d give Zelle 5 stars if not for this. I do/did use it within my Chase app fairly often and I really like it. This might be something you could address as an improvement.
Awesome
by jmesta18 on 2021/02/20 03:24
Can’t think of a better app
Spotty service. Works when it wants to.
by Oskie511 on 2021/02/20 02:53
Really frustrating because a lot of times it only works when it wants to. Crashes a lot and overall just not a very good app. I much prefer cashapp to tho it seems to be an issue with others as well since I’ve looked up the problem online. Please fix this Zelle come on now kids.
App feedback
by Cesar Salgado Salgado on 2021/02/20 00:21
I can’t change my number on the app please fix this problem please please
I love it
by Lyn2424 on 2021/02/19 13:31
It always works and it’s fast!
Protection
by shawngtp on 2021/02/19 03:44
Got scammed and no help from zelle! Never again!
A LOT OF SCAMMERS ON ZELLE. DO NOT USE FOR YOUR SAFETY!
by zellemademebroke on 2021/02/18 19:48
I recently have been scammed on zelle, bad part about it is that you cannot cancel a transaction or block the scammer! DO NOT USE ZELLE FOR YOUR OWN SAFETY PURPOSES, ESPECIALLY IF YOU ARE SELLING AN ITEM
Really?!?
by Doogla531 on 2021/02/18 19:33
I haven’t tried to send money yet. It might be fine. But so far there just seem to be a lot of error messages on things they tell you to do (really?!?). And they require a confirmation code sent to my phone number to login to the app (really?!?). I completely don’t understand the point of the confirmation code since by definition if someone can access the app they can also access the message where the code is sent. Assuming there is some valid reason for it in someone’s setup, I can find no option to turn this pointless waste of code-pushing off, nor can I find any way to have it sent to say an email (which I could set up with an extra layer of protection) instead.
It’s not working....
by Sunshineismine0506 on 2021/02/18 18:06
When you call they keep telling me to call my bank and I did that already. Sigh!
Log in issues
by mmiller974 on 2021/02/18 12:00
Error code for log in continues to be a problem with this app.
User friendly
by nev red on 2021/02/17 22:52
Super easy love it! And love that my money is in my bank within minutes !
This App is Great
by AlexLovesJesus on 2021/02/17 07:53
You can send and receive money with a simple click To someone who also has a Zelle account. It’s easy to open an account even if your bank isn’t listed and best of all it’s Free.
Not Paid
by Allison Davud on 2021/02/17 02:58
Someone sent me money but because I hadn’t updated my App on my phone,it won’t cine through even tho I subsequently updated it!
Unfortunately they haven’t figured what they actually do yet
by letstrysomethingthatisnttaken on 2021/02/16 17:21
So far, I am very disappointed. It seems that transferring money would be a fool proof process by now, but Zelle somehow seems to still not understand how to do that. Their “support” is useless unless your problem fits a narrow script, because they do not know how to actually fix anything. I will stick with Venmo or PayPal as I actually like to receive the money I requested.
Money transfer
by Penitila2009 on 2021/02/16 17:08
Awesome app to have with u every were u go Shared between family
App is broken
by Lexluther666420666 on 2021/02/16 12:28
Keeps throwing a c301 code and won’t let me login. Used Zelle for years and never had an issue please resolve!!
On timing
by Mvgga on 2021/02/16 11:48
It’s A great app
Garbage
by angryman6 on 2021/02/16 08:40
Don’t use this app. If there is a problem their idiot staff can’t help and don’t give a crap. And they WILL talk down to you.
Great service for sending funds!
by Huhwahah on 2021/02/15 23:16
This service is far better than PayPal and Venmo who have been scraping dollars off people for years and offering no benefits to their users. Not to mention, Zelle is trusted by and partnered with major banks. This is how a legit, trustworthy company should be.
don’t download!!!!
by Babenatalie on 2021/02/15 21:36
do yourself a favor and don’t download this. literally the worst banking app ever
Awful
by anndy10 on 2021/02/14 21:44
Please do not use this app they can easily still your money
Customer
by Geovanny Euceda on 2021/02/14 16:31
This app is amazing, best to date .
Switching Accounts
by MillieAnne.C on 2021/02/14 14:23
What bad experience.. after calling customer service and waiting 24 hours to change the address on my account I still can not switch account.. I had to use my old address to switch account.
Won’t Send.
by CSR201 on 2021/02/14 02:46
It constantly gives me errors. Whether it’s $5 or $500 I get an error and am unable to send anything. Big headache.
Where’s my money, Zelle?
by tylerlwsmith on 2021/02/13 19:29
Someone tried to send me money through Zelle. The email linked to their site to find my bank, but my bank wasn’t supported to so it told me to download their app. I downloaded it and set it up with the email that the person had sent me the money with, and yet the app couldn’t find the money I was sent. I called customer support and they said they had no record of the transaction and that I need to contact the sender. They also asked for my Debit card’s pin, which seemed sketchy. Seriously, use anything else. Venmo. Cash App. PayPal. Mail the person you owe money to a quarter a day using USPS. Read the other app reviews and you’ll know you should steer clear.
EASY!
by I.Santoy on 2021/02/13 03:06
Super easy so convenient.. wayy better then Venmo
Way worse than Venmo
by NuclearPenguins420 on 2021/02/12 23:21
Don’t know why anyone uses this when Venmo exists. Interface isn’t as good, first transfer somebody tried to make to me is supposed to take up to 3 business days?!
Update
by Fade Soulz on 2021/02/12 22:12
Needs updating for the new south state app
Won’t work and can’t uninstall
by helloooo help me on 2021/02/12 17:16
Can’t get it to work. Called customer service and they told me to uninstall and reinstall but it won’t let me uninstall it
Best money sending app ever!
by pixza._ on 2021/02/12 04:30
This is the best app to send money !
WARNING! NO SCAM RECOURSE!
by ccvgfdhjgcbkjf on 2021/02/12 04:14
Wish there was a no star choice. Zelle offers no recourse if a payment is authorized and the transaction is a scam. SCAMMERS LOVE ZELLE for this reason. Banks recommend Zelle but never emphasize how unprotected the user is. USE PAYPAL.
Zelle
by paulay_p on 2021/02/12 03:02
Zelle is so much better than any app out there. Just wish we could transfer a lot more money then the basic $500
Not working
by Hairbyjenni on 2021/02/11 16:01
I have been using zelle for a while. First through my banking system and now with the app since switching banks and not supported through online banking. All of a sudden I am no longer able to use it out of the random. I was told I was deemed ineligible. This is so upsetting because I use this app quite a bit. Can some please explain why all of a sudden with no notice I am unable to use it.
DO NOT USE - NO CUST SUPPORT
by Robbie5643 on 2021/02/10 17:25
Online faq says to call if other party doesn’t receive money. Zelle has no live representation, and phone prompts just hang up on you. If you used your bank they say to call you bank who says to call zelle. I’d love to call zelle but as stated you can’t actually get through to someone. Other party has showed me they don’t have the funds yet zelle says confirmed. No one to talk to sounds like no accountability on their end. Use venmo, cash app, etc. These guys have managed to have zero accountability and your bank just agrees with them.
Problems signing in
by @Gorgeouslov on 2021/02/09 21:43
I really don’t care for the app because every time I try to send money the app never opens for me. It always displays an error message. I just uninstalled the app; if the problem persist then I’m done with the app.
The Best
by JezebelBlue on 2021/02/09 21:43
Zelle is fast simple and easy to use. That’s why they are the best.
Great payment source
by dbarham on 2021/02/09 17:10
I love Zelle,
DO NOT USE THEM THEY HAVE NO FRAUD PREVENTION
by maddness photography on 2021/02/09 17:09
I was scammed by a dog groomer. Zelle decided not to keep trying to get my money back and closed my claim and basically said I’m out of luck
Fix logging in issues
by sircharles5 on 2021/02/09 09:24
Does the job but sometimes it just doesn’t want to log in
Great application! It makes life so much easier
by Quezalte on 2021/02/08 16:58
This
Discrimination at its Finest
by Miyajuana92 on 2021/02/08 16:41
I checked with my bank and they do support Zelle transfers but Zelle won’t approve me for a reason that can’t be explained to me. I asked 3 different people I spoke with on the phone Jason being one and not one of them could tell me why I’m not approved or at least able to get my funds.
Exelente servicio
by victorillo1965 on 2021/02/07 17:28
Muy buen servicio
Has limit for transactions
by OMGoodness nickname on 2021/02/06 13:07
It’s easy to set up and use- yet it’s limit on the amount you can send (maybe for protection), yet it is time consuming.
Limit
by BoldTouch____ on 2021/02/06 06:52
Too many Dumb weekly limits
Too much of a hassle
by no thank you!!!! on 2021/02/06 02:13
Apparently my bank don’t partner with them, and when I add my debit card they listing me in a different city. When i correct it it tells me to call, the person I spoke too barely spoke English and apparently it’s cause they have the wrong city listed for my zip code. Cash app is so much more better!!! This app is deleted off my phone permanently!!!
Like the app
by toddbeagle on 2021/02/06 01:20
But find the weekly limitation annoying.
Well over a week to transfer money bank to bank.
by market manipulation 2021 on 2021/02/05 18:38
I’m not seeing any any advantage to using seller. It takes longer than bank to bank or ach transfers and adds a middle man. Garbage.
Limit too low
by Coach DWall on 2021/02/05 18:30
$500 limit is ridiculous.
Scam
by princesss12345678 on 2021/02/05 04:38
You can’t block anyone who stole your money the app is bogus and cans do nothing or send nothing if you have a bank that automatically connect to zelle
Locked out never even got to use it
by chbadapp on 2021/02/05 01:32
You can’t change cards and now it’s locked to a credit card that won’t work they only use debit cards and I still can’t use my account on the first day
Zero stars !!!
by this5vck5 on 2021/02/04 23:51
I wish I can give it zero stars ! Because they deserve it. When the apps works how it’s supposed to then it’s fine. But oh man when it doesn’t you might as well just get rid of this app ASAP because it’s not worth the headache just pay the fee from the other apps because if u ever have to contact customer support you will be left infuriated and frustrated that you used zelle
Garbage
by otterman on 2021/02/04 18:49
Can’t even sign up due to unspecified errors. Do t waste your time.
Problem
by cristy ana on 2021/02/04 03:52
I been having problems with the app will not let me sign in
good luck with USAA
by mattyrosee on 2021/02/04 03:41
when i put in my bank info when it asked for my bank (USAA), it sent me to the app store for the app and i pressed open on the app and nothing happened. so then i entered my card info and it said “error reload” and made me do the whole thing over again. that happen 3 times
Waste of a download and 6 hours of my life
by sarabev86 on 2021/02/03 22:09
This is a horrible app. Maybe it’s good on its own, but when tied to your banking app, it is useless. It would take me hours to recount all of the lengthy phone calls between myself and my bank, then Zelle, then my bank, then Zelle again....you get it. Just stick to Venmo.
Fraud
by han&no.mom on 2021/02/03 20:26
App was used for fraud. Don’t recommend using. If someone requests you use Zelle don’t!
Higher Limit
by Edward7142 on 2021/02/03 18:52
The amount that I am able to be paid should be more that $2000 a day
WORTHLESS
by baalskin on 2021/02/03 15:46
It won’t let me change accounts, and now it won’t even let me SIGN UP! What good is an app if you can’t use it? DON’T WASTE YOUR TIME!!
Es buena
by feroz357 on 2021/02/03 13:15
Gracias por
Great app
by Brenda237 on 2021/02/02 15:17
This app has saved my life 😂.. Not literally but yeah.
The dumbest explanation for error code c201.
by BrinaGirl821 on 2021/02/01 23:28
4.8 stars.... Baaaahahaha!!! By who??? Scroll thru. I get 2 average at best and that’s ONLY bc ppl had to give one but admitted they would rather give ZERO!!! You should definitely call and hear them explain this load of crap!!!! Apparently with this last updateThey electronically determine eligibility, if you can use the app based on information that they cannot give you only if you’re eligible or not. Error C201. I called and customer service said my phone is no longer eligible to use the app. Never mind the money that I’ve spent using this transfer app just that electronically they’ve determined I can’t use it based on information they don’t know. If that makes sense to anybody please explain it to me... And let’s not delve into the snotty customer service who said, “and again just as I originally said, it electronically determined you Ineligible” I said “what are some factors that determine eligibility?” To which she replied, “again just a friendly reminder, bc I just stated, it’s electronic and done within the system so we have no idea”. !!!!! Omg! Where do I begin??? Does this douchey representative have a brain!??? W her slick mouth, safe behind a phone is where she belongs!!!
Can’t always send money
by Jojo781227 on 2021/02/01 05:43
I have send money before but now that I try to send money again it doesn’t let me not sure what is going on?
Controls spending
by Cherokee Di on 2021/01/31 22:08
The app is good in itself and that it will let me send money to anyone I want to but it will only let me send a certain amount of money then I can’t send anymore money until seven days later which is a big problem when I need to pay my rent
Fraudster
by Valueableperson on 2021/01/31 21:46
If you make a mistake and give your money to a fraudster ZELLE will not give it back
great app
by tommygunsz on 2021/01/31 20:25
Great app
Great app!!
by Kandy0507 on 2021/01/29 23:48
Love this simple money app.
The best money transfer app
by Jedizzler on 2021/01/29 21:32
I had an issue signing up but their customer service is excellent and helped me resolve it
Inconsistent
by Hemagen on 2021/01/29 17:37
The people I pay with Zelle like it because the money gets in their bank account faster than with other apps like Venmo, PayPal, etc. However, I get errors about 25% at login, and more than half the time when I try to pay. I have to keep repeating until I get lucky.
I have to use another app for this service
by Whocareswhatmynameiss on 2021/01/29 17:24
I don’t usually use this app, but a friend of mine needed me to send him money through Zelle. Luckily for him, I bank with Navy Federal, and I was able to send him some cash. The Navy Federal was experiencing technical difficulties, so I decided to download the Zelle app and do a transfer from there. I downloaded the app and selected Navy Federal as my bank. It simply redirected me to the app provided by Navy Federal. I didn’t have any other option from there and was left with waiting for my bank to resolve its issue. It’d be nice if I could all Zelle transfers could happen on the Zelle app. I’m sure there are many alternatives to this minor issue, but the main point here is that I have no use for this app if it only serves to redirect me to another app.
Easy to use
by Clancy203 on 2021/01/29 11:28
I really like this app and it has really helped me pay people without having to go see them since this stupid COVID-19.
Awesome app
by hdhzihcnw on 2021/01/29 00:59
Great app super easy to use. Only had an issue sending money out once and I think it was due to poor connection.
Deleted and moving on.
by Nomeoverlord on 2021/01/28 16:04
I've spent the last half hour trying to set up an account & all I get it "error has occurred". Done. Moving on.
FAST, SECURE & EASY TO USE
by JVFitPro on 2021/01/28 14:45
I needed to get money into my wife’s account and had no means of going to the bank. I remembered I had Zelle and that her bank did too. I was able to get into her bank INSTANTLY with no extra charges. I love this app 💪🏽❤️
Worst App
by 112358132135 on 2021/01/28 04:31
Countless bugs and horrible integration with the bank. Impossible to use.
Main Limiting Feature
by wishlist2345 on 2021/01/28 00:06
The main limiting feature for me is that you cannot link two or more accounts to the app. Whatever bank account you start with, you are stuck with. For instance, I have accounts in two banks, but I only have one phone number so I have to choose one or the other. This is easily done in other apps like Venmo. I hope they bring this feature.
What the problem
by meddropper on 2021/01/27 15:40
3 wks ago, zelle was perfectly working on my phone, now its not, i called their support but i was told theres nothing wrong but they could not fix it on my phone....
Doesn’t work on my phone
by mdansck on 2021/01/27 14:29
It keeps sending me to the App Store instead of my banking app and when I type in the card manually it says an error occurred.
Zelle usage
by Patrick Diverr on 2021/01/27 03:08
Zelle has been trouble free to use! I really appreciate the service
It keeps shutting down
by Sexxy Brown Sugar on 2021/01/27 00:42
Every time I try to send or request money it shuts down. I can only send money if someone request it.
Better than Venmo!
by 1241gab on 2021/01/26 21:23
Wayyyy better than Venmo!
Transaction Services
by vonbayou on 2021/01/26 19:12
I appreciate the quick, safe and easy methods you provide for money transactions.
Negative stars I would
by AdobeNice on 2021/01/26 11:20
ZELLE is trash with constant error codes. So many bugs, as I’m trying to delete my info from the app (went to download after deleting) it’s trying to delete my Apple Pay. If I could give Zelle negative stars I would
Love it
by Roxy Quiroz on 2021/01/26 02:14
Thank you for making our life easier!
cant login occasionally
by DopeBoy55 on 2021/01/26 00:18
occasionally I can't login and it says error A101, but then I try later and it works perfectly
Such a headache
by mp435 on 2021/01/25 21:10
For some reason you can only have either your phone number or your email registered to your name. So whenever someone sends me money I have to constantly unregister my account and switch between the two and most of the time the payments disappear and I never get them. Then have to call customer service to find out where my money just disappeared to. Venmo is so much user friendly.
Not able to use
by BAMAQUE99 on 2021/01/25 18:36
Was told by a representative that was unable to use my card for 90 days because I got a new one...wow
Poor customer service
by ayudapleas3 on 2021/01/25 17:11
Do not expect any remedies or solutions for transaction disputes
Great App
by Top Catty on 2021/01/25 17:02
Love it!
Something wrong?
by cesssssaaaaar on 2021/01/23 15:21
Why does this app always seem to crash, is it not working any more? Do I have to delete it? They want a star but I don’t think it even deserves a single star, but I have to give it at least one star for it to actually post this msg.
Banking Fixed!
by Keith-Chi-Town on 2020/11/24 16:16
Zelle has literally fixed banking and money transferring. I can’t tell you how much of a hassle it was to buy a team member a birthday gift and collect money from everyone else. Someone wired the money from their bank and stuck me with a $15 wire fee. Another person used PayPal, but must have sent it as a business purchase because they deducted 2.75% (then I had to wait 2 days while PayPal transferred my money to my bank). One person send me a bloody check! I also transferred cash from a checking account at one of my banks to my checking account at another bank. My primary bank put a 2 day hold on MY MONEY! When I heard that my bank now support Zelle, I was THRILLED! I set it up (both banks), did a transfer, and the money was there IMMEDIATELY! I have a tenant who pays me rent monthly (well, almost monthly) via Zelle. We both love it. I get a notification the moment he sends it. My account is credited that very moment. Zelle has made moving money around soooooo much easier! It’s amazing that they’re able to do what banks have been either unwilling or unable to do, despite years of experience.
Unable to verify password
by LaKrSh on 2018/07/31 18:17
When you make an app that directly links a user's DEBIT CARD to their account (with no other options or protections provided), you'd better make sure it's operational, but instead we have this. About a week ago, I got a 3:45AM text from Zelle for an automatic transfer (no one was sending me money that early in the morning). I went to change notification settings -- only to discover that I needed my password to turn off their text messaging. That's when I realized I had forgotten my password. At the time I couldn't find any place on their app to reset it, and because I have an outside bank, I don't have access to a web account. I did try "forgot password?" on the Zelle portal but never received an email. This didn't lock me out of my account; I just couldn't make any account changes. Fast forward to today -- the app has logged me out (possibly due to an update?), and while it does now give me a "forgot password" option, after resetting it, I get the error message "unable to verify password." I even wrote it down to make sure I re-entered it correctly, but no luck. And that's where I am stuck -- completely locked out of my account. I am beyond frustrated. I use this to get money transfers from family, and I never had a single issue with clearxchange. Now with this forced switchover to Zelle, I can't do even the simplest task. Either fix the app or give us a website, because right now this is absolutely useless.
Won’t work on most phones
by Exrodeo on 2017/12/14 15:06
After 4 days and over 9 hrs total on hold, was finally told that this service WILL NOT WORK ON MOST PHONE NETWORKS. The second level tech support told me that “Unfortunately the zelle app and service will not function on wi-fi, and only recognizes a few (att, verizon, and sprint) phone carriers. All others are locked out, but WILL TAKE your banking and personal information and retain it in their system.” The reason this company is headquartered in the Philippines is because they are safe from federal criminal charges being filed against them. For such a young company, they have an overwhelming number of complaints lodged against them..(check out the reviews on the app page). The zelle rep even told me to change phone companies so I can get their service. Clear exchange had no problems... zelle is nothing but one giant problem that is illegally mining peoples banking and personal information for their own personal gain, while forcing those who are/were set up through a direct deposit system to receive their paychecks from work.... who are now unable to receive those funds, as zelle holds those funds in limbo refusing to refund the money back to original sender for 30 days. CRIMINAL !!!!!!! How the apple app store even allowed this financial virus into it’s app system is mind boggling. BEWARE!!!! and stay far away from zelle. You have been warned by someone who stayed diligent until they got the answers and truth from this scam organization.
Limitations for Multiple Accounts
by Razputen on 2020/07/10 15:53
Zelle will be great if you are part of their network. However. If you happen to have multiple debit cards (in my case 2), you can change which account you want funds to go to or from however doing so will erase the history of your account. This was fine for me as I used it for personal transactions and never really needed it for anything else. However I did have a need to change accounts every now and then so I could save myself the hassle of having to wire myself money after receiving money. Or so I thought. I had first created an account with my old phone number and it was great. I then had to port my number, NOT CHANGE IT, and then I was locked out. Why? Zelle does not support Google Voice or any numbers like it. I was ultimately frustrated but fine. I understand the security issue. I signed up with my new phone number. Everything was going great. I used it for a few months and tried changing my account (again, back and forth between the same 2 accounts for years), then it locked me out. The representative tells me my account can never use the zelle app again because I was too “new” and changed my debit information too many times. So I said fine, I’ll keep the information the same just give me access to my account. They said no. I need to go through one of their national level partner banks and use it through them. I can never use the zelle app again. So I won’t.
Poor customer service
by JazJ2019 on 2020/06/16 18:13
If I could give this app zero stars, I would. I received a new cell phone # (all other information is the same—same address, same phone , same bank information, etc) and because I have a new cell, it will not allow me to use Zelle or update my information. I have called customer service all week and no luck and the last representative that I spoke to was rude (kept cutting me off when I was talking and was rushing me off the phone). I asked to speak to a supervisor and she refused to let me speak to them. When she was verifying my information, she asked questions that “their” system generated instead of questions that I provided answers to. Example: she asked , “What color is your car? Blue, white, or yellow?” (Answer: neither because I have ALWAYS purchased brand new cars that were either silver or grey so it’s not like I purchased used cars that had paint jobs; she also asked , “Which individual from this list do you know? Brandy Locke , Steve Smith or Paul Tyson?” I answered : I don’t know any of those people. Her response , well these are the questions that our system generates based on the names of the individuals that are near your address. I asked to speak to a supervisor and that’s when she began cutting me off, rushing me off the phone and was being rude). I will never use Zelle again and I’m sharing my review with al my friends and family who use Zelle.
The JOYS of money!
by Honeybuddz on 2018/10/11 12:09
To be honest I was a little skeptic about it, then once I downloaded it and played around with it, I knew I was going to be using this FOREVER! No waiting for the weekend to be over to receive your money, no 5-7 business days on waiting either for your money to be sent over, no hassle on asking if anyone or I have received the money. This app literally allows the money being sent over to go straight into your card with no holds, no fees, no hassle at all. Me, my family and friends use this app all the time when one has forgotten money or their wallets- LOL! I can say that using this app really is a life saver. Only, ONE bad thing I do have to say is that you can’t send others money unless you have their correct mobile phone numbers. I’ve tried to see if I can add people through my contacts but it only allows to input numbers, like literally I gotta grab a pen and paper to write down peoples numbers because once you input a number or an incorrect phone number it’s a good bye to whoever you’re sending money too. So make sure the number you’re sending money to is ALWAYS CORRECT! I hope that they do update this app and allow us to add friends on here.
The App is GREAT but needs a few things...
by ChickyPicky on 2017/12/03 14:48
I love this app! It’s saved me a lot of time and trouble. There are a few things I’d like to see added/changed... 1) a higher weekly limit. I pay my housekeeper every week, plus other people for random things. The weekly limit has stopped me from sending money several times. It’s aggravating. 2) I like the ability to search your contacts to find people but when I add a phone number that’s not in my contacts, I’d like to be able to add info to the number and it be in Zelle the next time I go to use the app. Lastly, 3) There is an annoyance that comes with having to log in as a new user each time I access Zelle. The app tells me I’m logged out (which is great & protects my bank account) but gives me no way to log back in. I have to sign in as a new user each time. Other than those few things, the app is great!
Zelle’s Niche is your bank.
by Thehiltyfamily on 2020/09/20 03:18
Zelle would be the perfect digital checkbook, if they could convince banks to treat them like a separate, trusted app. Instead, most of the time it gets reduced to a crappy widget hidden in online banking apps. If you’re the typical Zelle customer, Zelle has the ability to instantly add money to your traditional bank account as soon as you get paid. No more bogus 2-business-day transfers or 1% transfer fees. In a world where everyone keeps a bank account that uses Zelle, Zelle would be perfect. Your checks, debit card, savings account, and ATM access would be joined by a powerful, simple mobile app that allows you to pay someone using your bank without having an external balance (which is the case for Venmo, Apple Cash, Google Pay, PayPal, and so many others). This is Zelle’s leg up on the competition. Unfortunately, Zelle’s features themselves typically are only available through the mobile banking app that your bank offers, leaving it subject to frequent log-outs and wonky security barriers that the average user isn’t able to deal with in casual situations. This makes asking people to “pay me with Zelle” in the moment a non-option and largely defeats the purpose of the app.
WORST APP OF THE CENTURY
by BSheets70 on 2018/06/24 17:51
This company has the absolute, most atrocious customer service that I have ever had the displeasure of speaking with. I kept getting a wrong password error after trying the only few passwords I use for my accounts, and there was not any “Forgot Password” links to be found on the website or app. Upon calling Customer Service the first time, I was talked to like I was an idiot and was never actually helped with resetting my password. I was told that he had done some re-figuring on his end and I could try to log back in as a new user (keep in mind - I already have had an account) in 10 minutes. Upon trying to gain access to my account yet again, my number had been blocked. I contacted Customer Service and they told me there was nothing they could do and that the app would give me the option to deactivate my account later, but that I would not be able to use the app or get into my account for 30 days. I told the lady to deactivate my account today and I’m hoping that actually went through. Why isn’t there an option to change my password if forgotten?? It’s absolutely ridiculous. I also find it unsettling that there supposedly is no way to get into the account that has my banking information in it for at least 30 days. With that being said - do NOT use this app!
Sketchy
by ...jbl... on 2020/05/21 16:22
Ten days ago a friend sent me a payment via Zelle from their bank. I didn’t have the Zelle app and my bank wasn’t listed on their site, so I downloaded the app and followed the steps listed on their site to receive my funds. The app froze twice as I was trying to register. In most cases this would be a warning flag to me that something was sketchy - for an app to freeze up after I’ve provided my debut info and password. On the third try it took. I waited for the payment being sent to me to show up on the activity tab. Two days and nothing, so I call. I’m told the money will go through to my bank in two to three days. The customer support guy made no effort to look up the transaction, my account, or explain anything at all other than to say it will happen. A week after receiving the payment text from my friend I still hadn’t received the funds and nothing showed on my activity screen of the app. Yet the app has my phone number, emails, and debit card info correct. Again, sketchy. If not for the reviews and apparent fact that many banks utilize this app, I’d delete it and put in an alert with my bank. Now, ten days since this initiated, I’ve yet to receive my money or hear back from Zelle in response to my email from four days ago.
Do NOT install... 0 STARS if I had that option!
by RubyDoll89 on 2017/12/14 23:03
Coming from a very honest and educated person do yourself a favor and do NOT use Zelle. I have been on hold multiple hours due to technical issues on their end which has not allowed me to receive any payments. My account is in “limbo” as the representative stated and needs to be deactivated however I cannot deactivate it as it is something they do on their end. I have been promised multiple times to receive a call backs from management, customer support, and technical support, I have yet to receive any calls from anyone. They guaranteed deactivation within 48 hours and my account is still showing active. The company I subcontract for has done multiple cancellations as Zelle requested and sent new payments and I still cannot receive payments because of a technical issue on their end. Please do yourself a favor find another outfit to send and receive payments unless you don’t mind terrible customer service, long hours on hold to speak to a representative (if you’re lucky to get through), dishonest promises for call backs and errors on Zelle’s end with accounts they can’t seem to deactivate along with your money and account being in “limbo.” If you don’t mind that then this app might be for you.
Terrible Customer Service
by SteveK1921 on 2019/02/01 19:36
Not even sure where to start. It’s been 13 days since I received an email from asking to create my account so I could receive a transfer of funds. To this day... I have yet to receive any money!! ... I set up my account with the email sent to me. I then added my phone number so I could confirm my account. All of this took place the same day. I waited 4 days and send in an email ticket to discover the status of my transfer. Note trying to talk to a REAL human is yet another excruciating experience.... Their email support reply said that I had to contact my bank to make sure my account was set up.. I did and my bank (Chase, who is one of their listed partner banks) confirmed that Zelle was linked to my account and I could receive transfers. I waited another day and sent another email asking where my funds are. They then replied saying that the person sending the funds had to check with their bank. He did and his bank confirmed the funds had been transferred and the money was gone. Now Zelle is saying they never touch the money? Talk about pointing fingers elsewhere.. my friend now had to File a claim with his bank to get the money back.. which will take more time... and I still do not have any money...
Great idea, poor execution
by Schoncher on 2020/09/03 04:08
So the idea is simple enough, but there are some flaws in the app, the biggest being that, when a payment fails (and you receive an error message), your activity feed still shows as payment sent! Your payment didn’t send. Payment sent! Seriously. Customer service was rough. I completed the form online, and 2 days later I received and email saying to call customer service. So I did. I navigated my way through a wonky “press 2 for...” style menu, and after 2 circular rounds, I sat waiting for 18 minutes. Once the rep answered, we went through 3 rounds of her going silent. She could hear everything I was saying, but I couldn’t hear her. And then after 30 seconds she’d come back, until she didn’t around minute 23. She also opined that a slow app load was likely related to the same network problems they were clearly having with their phones. Only problem...the app always seems to load slow and take longer to log me in. I think PayPal is smoother, provides faster and more comprehensive service, and provides me better records and accuracy. Fix the kinks, align payment/send/activity, and there’s potential to bump up the rating.
Hard to enroll, insecure, no release notes
by G-Mo on 2017/12/06 03:39
It’s what you’d expect from yet another attempt at making transferring money easier. If you’re unfortunate enough to be the recipient of money through Zelle, you might keep your sanity if your bank is one of the 10 or so supported ones. Otherwise you get to download this “easy” app, verify your phone number (if you get through the errors), enter and verify your email address, enter a debit card (of which you at least can take a picture instead of entering the number; you still need to enter the exp date, CCV, name and billing address though), and type, by hand, an insecure password that you can both type on your phone and remember. If you use a password manager, you’re out of luck, because you can’t copy or paste the password; Makes Zelle an easy target for hackers. Once you’ve done all that, maybe it’s easy to send and receive money. But, it would have been much easier to use PayPal or just enter an account and routing number. Or send a paper check, walk to the bank, go in instead of using the ATM, chat with the teller a bit, deposit it, and pick up a mint on the way out - that’d be easier and you’d get exercise, conversation, and a free mint. Do that instead.
CUSTOMER SUPPORT IS TERRIBLE!!! THEY DON’T RESOLVE PROBLEMS!!!!
by xX-______-Xx on 2020/07/21 18:53
I received an email saying that “we noticed that a different name was used to re-enroll with Zelle which doesn’t match with what you previously used to enroll with Zelle”. I have not used Zelle in months and honestly do not like the app at all as I use cashapp and PayPal. I tried in the past to delete the account, but it wouldn’t let me. I called customer service and was not given a name of the agent. He was rude and completely disregarded my issues by pushing me to keep the account open. I told him several times that I am worried about my identity as my email is being used on an account that I did not create and in the email it said I “re-enrolled” even though I did not do such thing. He kept saying that my email was unlinked and I could relink it. After pretty much having to get quite aggressive with this man for not helping me at all, I hung up. They do not care about helping you. My email, which is used on my bank accounts, my many bills, and other subscriptions is being used on a Zelle account I did not create. I am extremely upset about the outcome and hope no one uses Zelle in the future or god forbid have any problems with it as they are not of help.
Unable to authenticate
by TNW2019 on 2019/02/27 00:28
For reasons unknown they can’t authenticate my account I believe is because I switched carriers and my information is not fully linked with my new carrier or new bank or whatever. I used it through a bank in the past but the app itself is complicated and the support picks up the phone quick but they can’t actually do anything. If the app denies accessibility because it can’t authenticate your information the support team can’t identify which information is incorrect Or even look into further. Once you get that error it’s over apparently my thing is it’s wrong! I had the same information for a long period of time my address on file, number, email are all the same with my bank and carrier it makes no sense at all! The fact that they can’t even refresh the process or have anyone who can do a deep investigation on the problem is beyond me. What billion dollar app is in complete control of itself? Maybe the support specialist I talked to was misinformed that’s always a possibility. Looking on google it seems maybe even my carrier (spectrum mobile) and/ or my credit union is the reason for this but I wouldn’t know because they don’t have that information.
Misery
by juleskb on 2017/12/26 18:19
Avoid Zelle. One star because zero stars is not an option. If you have to change your bank info good luck getting paid. You can’t change the debit card info in the app or online. You have to call them. After an endless wait you get first level support, which is useless. They don’t know anything, can’t do anything, and some of them barely speak English. After you struggle to understand them and to make yourself understood, they finally transfer you to second level support. This is where you go to die. The wait there is interminable. If you give up you can’t get paid. If you persist chances are you’ll still end up in limbo while they muck around with your account and hold your payments. If you have to add a different debit card they have to delete your account so you can register as a new user and add a new debit card. When they finally called to say my account was deleted and I could now register, I got an error message that my profile was locked, have to call them. Another interminable hold with no resolution. In the meantime of course I can’t receive payments. This company should not be allowed to handle people’s money and Apple should remove their app from the App Store.
Suddenly decided I was not eligible.
by CreateNickname..no. on 2018/07/31 13:59
I am a nanny for a family who’s parents live in another state and I watch the children when they’re in town, and this is how I got paid. It was working just fine I got my payment with no problem. I use a bank that they don’t have a partnership with but it worked just fine if I just put in my card number. So the mother tried to pay me again today and said the transaction could not be processed, so I check my account and it says there’s suspicious activity related to my phone number. Which is bull because when I called that was not the problem at all. So I wait on hold for maybe 20 minutes and the woman who answered was very nice but she checked out my account and said “I was no longer eligible.” My account was just working fine when the last payment came through 2 weeks ago so you can imagine my confusion. So I asked and she said I am no longer eligible for the stand alone app and basically that there was nothing I can do. She said “so you can go ahead and delete the app” like it was a good thing. If you’re going to offer accounts to those who don’t have a partnership, don’t randomly go through and decide who is and is not eligible.
The worst money app out there!
by vikodlak on 2020/01/31 00:27
I’ve tried to use this three times over the last three months. First time worked fine. Second time, I spend all day trying to send money. Call tier two support, they make me answer some questions about the square footage of my home and old addresses I lived at and Russian names I’m supposed to know, and then tell me the problem is with the owner who I’m sending money too. They check, are told no problems. Suddenly money goes through after trying for 10 hours. This month, same thing. Money doesn’t go through, I call, get told the problem is with the receiver’s bank, they call, get told it’s because I’m using the app instead of my bank’s app to send money. Why have an app if I’m supposed to use my bank’s app to send money? My bank doesn’t have Zelle integrated in their banking app, so it’s not even an option. Skip this service. There are others out there like Venmo or Google Pay that just work. This one does not. Oh, and the fact that Apple rates this app at above 4 stars but all the other reviews I’m reading are one star tells me Apple is complicit in getting people to use this garbage and give some foreign company your banking info.
Don’t bother with this app
by _jewelz_ on 2018/06/03 05:25
This company is a joke! The process for migrating from ClearXchange to Zelle is beyond atrocious. A bunch of 6 year olds could do it better, but that’s the banking industry for ya! On the phone for almost 2 hours only to find out there’s no way to continue to receive company payments with ClearXchange - despite the ClearXchange FAQ’s stating to call customer support if you’re concerned about this. Because... surprise, customer service is now Zelle and can’t do anything for you under ClearXchange. Then why do you have it in the FAQ’s to call?! And the “201” error I kept getting when trying to use the Zelle app is because I’m “no longer qualified to use Zelle.” That really had to be escalated to a Level 2 tech?? What a waste of time! It took nearly an hour to get that answer. Also, it’s fine if you’re going to outsource your call center, but for the love of god please ensure those answering the calls have a firm grasp on the English language. My time on the phone could’ve been greatly minimized had the men who answered my calls been able understand my issue instead of being so confused and going in circles giving me the same canned answer every time. Never again.
Customer service is terrible
by earlthedinosour on 2020/02/20 17:16
I’ve have used Zelle for a while now but needed to connect Zelle to my husband’s bank account for his business so we set up another account with Zelle under my spouses name since we needed Zelle to connect to his account. We used a different phone number and everything was different since it was my souses account for his business. We both had the flu and expected setting Zelle up for my husband would be a breeze. My husband also suffers from an extreme disability so I handle his finances for his business. The app kept failing and the customer service tech treated me very rudely and even asked my husband questions about his “public record” and then was able to unlock his account with him... and why it was locked at all is still crazy. We were told to wait at least 30 minutes to try to access the app again. We waited until the next morning because we already wasted so much time with customer support. When we tried to access the app again.... we logged on and it kicked us out saying we were permanently locked out and to again reach out to customer support. Horrible app. Horrible customer service.
Error fixed promptly
by TamaraCu on 2018/04/04 23:32
Someone had sent me some $$ so I had to set up this app. So when I went to set up the app it gave an error because my bank is not high profile so I just called them ...they asked some questions and they fixed error in a very efficient and timely manner. Very polite and though I know it takes a little time to see what was wrong, patient would be the word I would use for folks who don’t have any. I read a review that seemed quit completely incorrect in facts. In review a lot of business and it is important to support business. When there is a problem we should be respectful to the process as people are not machines but performing a service as protocol and process evolves. I have reviewed business with low stars to help them positively and respectfully that they can make the adjustments needed to customers satisfaction and resolve any further conflicts or concerns. Thank you ZELLE for being very professional and communication with tech department was outstanding.
It does not work
by buf33 on 2019/10/03 12:09
After downloading the app and set it up I was unable to use Zelle with the incorporated account in my another bank. Then the bank deleted my email that was creating incompatibility. After that the Zelle app never worked again. First gave me the error: “log in error, please review your credentials and try again”. I changed the password so many times and never worked. Called Zelle support and the first line of service I believe are abroad, no kindness, no customer service driven, yet talk rude, I felt I was bothering them by calling. The second line of service is better but did not solve the problem. They blamed on my iOS version, my WiFi connection, my cellphone provider. They made me delete, download the app and reset my phone more times that I can remember. The last straw was when they try to blame in the bank from which I am using the debit card, since it is the same bank I work I figured they were just guessing and they did not know what is wrong with the app. I requested to have another line of support and they simply said that there was no solution for me. Very bad experience and very poor customer service.
It would have been easier to just go to the bank
by DaisyJ315 on 2019/05/07 18:27
This service is the most user u friendly service I’ve ever seen. I registered for Zelle via my bank’s mobile app using my email, but that wouldn’t pop up when my friend searched me to send me money, so I had to reregister using my phone number. I then got a confirmation text that she deposited funds into my account, but I guess the first time one uses the app it can take several business days to deposit the funds, which currently still aren’t in my account. But hey for some reason I got a reminder text that my friend sent me funds even though there appears to currently be nothing I can do to access the funds. So I tried registering on the Zelle app as well (even though I already registered via my bank), however the funds still aren’t appearing anywhere. I called the customer service number, but there isn’t even an option to speak to a person, you just go through a maze of an automated recording system that is suppose to answer all your questions. It would have just been easier, and faster, for my friend and I to drive to the bank and withdraw the funds.
Debit cards are not supported
by Chazley69 on 2020/12/05 22:40
I have a couple different debit cards and needed to get this app for an emergency money transfer from someone who only had this app and didn’t know how to use other apps so I said ok I’ll just get Zelle and that will be that..I thought. Then the simplest and easiest part of signing up for any cash transfer app (connecting to your checking account) was impossible. So I figured I’d use my secondary checking account only to be stiff armed, “invalid debit card” ok so then maybe it would be better if you had a list of banks that are compatible since my MasterCard AND my visa debit were both invalid. I’m so sick of everything becoming so complicated. Going back to Venmo which hasn’t given me a single issue. Zelle- take notes from other cash transfer apps, yours is unusable and seems like with all the endless 1 Star (probably more like 0 Star) reviews with frustrated users who are probably competent enough to do anything else that can be done on any app, that means the problem is on your end. I hope (and suggest!) that you hire some tech professionals who can configure your app to be more user friendly, or functional would be good too!
Garbage & Bad Tech Support
by MichMomGZ on 2018/10/24 14:53
I know this platform has someone managed to win Integration contracts with banks all over the country, but I’ve attempted to use this app a total of 3 times and have had major issues 2 of those times, including the first time I was sent funds. I spent close to 2 collective hours with multiple tech support individuals who told me everything from my Debit card number automatically excluded me from being able to use their service, to my bank not working with Zelle yet is why I couldn’t collect the money sent me. Finally I spoke to someone with a brain in their head who was able to figure out a solution, but the literal hours I spent on the phone left me with a terrible taste about this company. Today i tried to use the app to Send money to someone else, this time that individual being the first time user, and of course, it won’t process the transaction. Tech support tells me that all my information is fine, her bank tells her that it’s me. Facebook and Google/Apple have got this figured out - I don’t know why the company the banks have chosen to work with has so much trouble.
Worst financial app I’ve ever used
by annpan12 on 2018/05/04 15:08
You have to go through a ton of hoops to get it set up, and when there is a roadblock, nothing in the app explains how to fix it, or even tells you that there is a problem. You literally just keep checking back to see if the money hits, and when you’ve gone the 14 day waiting period and nothing happens, you have to try and figure out why yourself. When you call customer service the automated service hangs up on you when you dial 0, and there is absolutely no way to talk to a human unless you can figure out the magic sequence of numbers to dial, whether it pertains to your situation or not. If you somehow magically get through, half the time the rep tells you to talk to your bank, the other half of the time their English is so broken that you have to hang up and dial again to try and get a different rep. If the app is finally set up and “working” half the actions you try and make in the app fail with only the “try again” message. Absolutely no reason why anyone would ever use this app instead of Venmo, PayPal, or any other of the plethora of options that exist.
Accessing password and changing is apparently a hard task to do
by Variable1989 on 2019/03/15 12:09
Before I initiate this review, I will state that my incident occurred 2 weeks ago. Any who, awhile back I wanted to access my account and renew the password since I did had an incident where I tried to sent a decent amount of cash to a family member and the Zelle app requested my current password. Since I had no previous recollection of my password, I had to discontinue using the Zelle app. This, I figured I could just request a change of password. Lo and behold, changing the password for Zelle was not an easy task as believed it would be. The Zelle app didn’t signify any method to request a forgotten password, their website is unhelpful, and my last resort was calling in to customer support. No method helped achieved the simple task of changing task, even after I had told the second customer service agent that I am willing to provide identification to who I am and signify that I am the owner of the Zelle account. At this point, I’m not interested in using the Zelle app any longer and will advice other Zelle users to instead used other payment methods or services.
Terrible customer service
by YeuxVertsNYC on 2018/07/15 18:33
A monthly debit into my account, that’s been regularly happening for five years, all of a sudden couldn’t happen today. I quickly figured out that I needed to change my debit card on my profile and tried to do so on the app. The app wouldn’t let me do it and said that I had to contact them. So, I called customer service and after waiting for 15 minutes to get a hold of someone, all I got was someone reading a service manual and who simply repeated my own words back to me for 6 minutes. He finally puts on hold, only to tell me that I have to call them back. He gave me a case number. I waited a few hours and tried to change my debit card on Zelle’s website. THE WEBSITE ADOES NOT LET YOU DO THAT so I’m stuck calling them again! The second call resulted in a 25-minute wait to get a hold of someone. This customer service rep told me that based on their “proprietary algorithm that he cannot share with me” they put a 24-hour hold on my account and I have to wait until tomorrow to change my debit card. I simply couldn’t understand why they would take it upon themselves to be so disruptive WITH MY ACCOUNT AND MONEY so I asked to speak with his supervisor. The rep said his supervisor is not available and he will put me on queue to get a callback. 🤬 Completely random nonsense that I will not put up with. 😡
Terrible customer service
by vik2019 on 2019/08/06 18:19
My phone broke & I got a new phone number, I was able to deactivate the account I made with my old phone number, but wasn’t able to create a new account with my new number. The lady I spoke to from Zelle was extremely snappy & rude, while saying polite words like “thank you for your patience” that she’s probably forced to say from a script. I told her I don’t have good data, she kept telling me to start a new account I have to be off of WiFi? Which was never the case before. She wasn’t good at explaining anything, because she was too busy snapping at me whenever I had a question.. I think it’s silly that I’m unable to create a new Zelle account with my new phone number because I can’t use data... when I’m 99% sure I didn’t use data to create my original one.
WORST SERVICE EXPERIENCE EVER!!
by RachelNPale on 2018/05/31 18:36
I tried sending $600 to someone, and the app says my bank has a limit...first off, I work for the bank who’s debit card I have registered to Zelle, so I know they don’t have any limits. Secondly, I try creating a second account with a different phone number, different debit card #, and different name(obviously the name matches what’s on the card) & now it tells me that the account can not be created. So after several attempts the second ph# I tried registering gets LOCKED although it never got created. And so I call they’re customer service the following morning and they create a case # THE FIRST TIME, then they transfer me to the second level customer service which I was on hold with for 45 minutes & eventually hung up. I call back again, on hold to speak to the FIRST department for 15 minutes, they transfer me again with a NEW case # and I’m on hold again for another 30 minutes with no answer, no resolution, nothin. First and last time using this service! POOR customer service, POOR reliability, POOR everything! I will definitely be advising others NOT to use Zelle!
Too good to be true
by Designer-chic on 2018/07/03 12:14
To begin with this app was easy and quick. I loved using it and got my money the moment it was sent to me. However, I have had multiple issues. First, my payments would not go through and I was told it was because of the person who sent it, but their bank said it was the app. Then, I was receiving and error 304 message and when I called, I was on hold for over and hour and bounced around just to be told “try back in a few days, it should work then.”. So I did, and I was still getting the same message. I tried deleting it and re-downloading, but still received the same message. Now, I am blocked. I tried calling and they said it was not blocked on their end so they did not know what was happening. I asked how I could go about fixing this and they said they did not know, to just try back in a few days. I am so irritated with dealing with these people. No one seems to know anything or are willing to help me figure this out. I have spent way to much time trying to figure this app out. All in all, I would not recommend this app.
Don’t ever get a new phone...
by Sharp16283726 on 2019/09/20 20:02
This app was great. However, I got a new phone which means you have to get a hard reset. This involves calling customer service, talking to their first line of defense and waiting on hold (a total of about 5 minutes). Next, they transfer you to their “second tier support,” which means more hold time... the next step, and you won’t believe this... is they tell you to delete your app, wait an hour, then reinstall the app, but make sure your WiFi is turned off, then sign up, creating a new account. So two hours later, after following all of the steps perfectly, it didn’t work. I called customer service and she rudely told me that I must’ve done it incorrectly... she couldn’t offer any other help other than having me repeat this entire process... all of this because I got a new phone and their authentication only works with the phone you initially signed up with. Zelle, how are you the only service that forces you to jump through so many hoops. All of my other accounts, I just signed back in... fix your crappy app!
The worst. Cash app is WAY SIMPLER
by P.inkMulan on 2020/12/12 14:20
Zelle is the worst. You have to go through your actual bank app to send money. Versus using the Zelle app. I prefer to use the Zelle app. What is the point of making someone download the app to just redirect them to their banking app. That doesn’t make any sense why can’t you just use the Zelle app like we’ve downloaded. It’s a waist of space in my phone. Problem number two. Zelle is supposed to be Instant. It’s not. Some days it’s instant some days it chooses to take forever. Some days when you send someone money they don’t receive it but it still comes out of your account. You all should change it back to The original way where are you just open the Zelle app and send money. It was much simpler that way. Having to explain how to use Zelle is very difficult because everyone has a different bank which means everyone has a different way of sending money. It was way simpler to just log into your Zelle app and send money that way ,just like Cash App I’d rather deal with Cash App taking my money to send money then having to deal with Zelle.
Use Venmo instead
by CoachDatrix on 2019/07/07 15:00
Would have been easier to get the person that used Zelle to go to their bank, use an atm, come back and give me the money. Then I would have at least gotten my money. Got the notification that I received payment, signed up and went through all the hoops and it doesn’t sync to my number. I still get the notification that my funds are waiting to the same number. Support phone tree then is India based and gives canned responses with no actual resolution. Absolutely do not use this if you are any type of business or don’t know the person because the amount of follow through on both parties after the transaction is dumb and could easily sink anyone who relies on it. I’m sure the company will reach out and say sorry I had a bad experience and offer to work with me. I can guarantee that if the money gets kicked back to the person after their 14 day window I will be deleting my account and this app. In the off chance I do somehow get my money I will be deleting my account and this app. The reliability of Venmo make any transaction fees worth it.
Ari B
by arielitte on 2019/02/02 01:17
I contacted customer support cause I was having an issue with the app automatically signed me out then my password wouldn’t work so I said I forgot it in order to gain access to my account and it kept sending in the dreadful loop only to not give me access to my account so of course I contact customer service the lady I spoke with told me if the transaction I was doin was suspicious it would do that so I told her the is a reoccurring transaction and the only one I use the account for once the month to pay my rent to my landlord she asked me if I could pay another way and I told her this was easiest cause she lives in Canada then she told me the app is NOT for sending money out of the country well excise me I had NO idea that this app wasn’t for Bank of America customers to receive payments and transfer funds witch was the was the impression I got when downloading that app and the first 6 months I used it & will most likely uninstall take my business back to cash app who I’ve never had a problem with & or spending limit
Garbage, absolute garbage!
by PeckingChick on 2018/12/21 21:40
The first time someone transferred money to me using Zelle, it took days. When we called customer service the customer service rep was rude and incredibly unhelpful and actually told me “It looks like the money was sent to you but I have no idea where it is but you should give it a few days”. Shocked I said “Soooo, you’re telling me that someone sent me a couple of thousand dollars using your service but you have no idea where that money is right now?” She confirmed that that was the case and then hung up on me. Today I tried to use Zelle to transfer money to someone (only a couple of grand) and the app sent a message that the amount exceeded the weekly limit that I was allowed to send. Seriously? An app that is supposed to be a great way to transfer funds and they limit the amount of my money that I can transfer? And of course they don’t tell you what this limit is. The whole thing is just incredibly frustrating. If I could give this piece of garbage service negative stars I would. Horrible all the way around!
I don’t recommend this app
by celi2324 on 2020/09/05 00:15
If I could give negative stars, I would. I had an account with zelle and it worked fine but once I got a new phone number and new debit card I called customer service and deactivated it to make a whole new account with my new information. Now Ive been trying to make a new account for 2 weeks but every time I try all it says is “uh oh something went wrong” EVERY single time. I called customer service they said to call my bank, I called my bank and they said that they are receiving the zelle account request and reassured me that it is not on their end because everything is being accepted and going through, through my bank. I called zelle customer service again and they have no idea what the problem is I keep getting told to wait 24hrs and try again but I have done that for 2 weeks already so they said there is nothing else they can do. Zelle is the only way I’m receiving money right now throughout the pandemic, this is very very frustrating and disappointing if someone can help me, that would be nice.
Almost perfect
by Britomom on 2019/07/21 16:13
I have had a great and easy experience using Zelle. Except one time last week I sent someone $400. The app said it did not go through and to try again later. So I tried a few more times with the same result. Later that day I checked my bank account and there showed 3 withdrawals for $400 from Zelle. On my Zelle account it did not show any transactions only in my bank account. So I called the bank, they said to call Zelle. I then called Zelle, they said to contact the bank. So I finally walked into the bank and they said I had to file a dispute and it might take 5-10 business days to get my money back. They actually returned the money the next day but it was not a good feeling to have my money stuck like that. After that, I’ve been using Zelle as usual, no problems.
Such a shame
by GamerAtom7823 on 2017/12/01 19:28
An unmitigated disaster. ClearXchange worked so much better but they forced all their customers to close their accounts and switch to this awful app instead. Despite 3 days of trying and multiple calls to customer service, I still can’t get my non-partner-bank debit card to register, and 2nd-level tech support can’t figure out why. The ClearXchange website used a simple routing+acct # to link to your bank; SO much better (debit card registration is broken for many people; debit cards have low transfer limits; some people don’t even have debit cards in favor of ATM cards since they are safer; etc). Zelle needs to fix this app’s horrible registration process ASAP (allow email registration instead of requiring cell phone number; fix problems registering some debit cards; add option for using routing+acct # to link to bank) and also bring back a web interface like the shuttered ClearXChange website to give people an alternative non-app interface. Venmo is going to crush them if this is the pinnacle of their customer-facing interface.
Worst Customer Service
by Royal T 7 on 2018/05/12 12:15
I been using Zelle through my bank for a few months, and yes it fast and easy service at first. However, God forbid you make a mistake and send your money by accident to a wrong number it is hell to cancel it. I tried canceling it through my mobile bank app, no luck. I tried canceling it through the Zelle app and none of the security codes Zelle sent me work and I got locked out of was advised to call customer service to unlock my account. Absolutely no help there either. The customer service agents had no solutions, they put you onto their technical support agents with a case number which is just another dead end. Zella’s technical support agents are not only rude, but refuse to provide you any information in regards to your account, or offer you any solutions to resolving your issue. I had to resort to forums online to figure out how to help myself. You’ll find they have an “oh well, too bad” type of attitude. By far the worse customer service of any money transfer service.
No password or Face ID required to login into the account.
by Frankmds12 on 2018/11/07 09:20
I use Zelle on my bank and never had an issue with it up until my cousin send me money through it which I don’t have him add on my bank account, days went by and I receive an email saying that I have pending money incoming and that I needed to add my email. I found that weird since my email and phone number are added to my bank account witch is link with Zelle. So I decided to download the Zelle app, fill everything got the money and everything good, until now that I log back into the account, to my surprise IT DIDNT ASKED ME FOR PASSWORD OR OPENED WITH FACE ID. NOTHING. Just by having my phone number in there and hit get started. And automatically is logged in with full access to my money, both savings and checking accounts. At first I couldn’t believe it so I try multiple times and yes. Never asked me for nothing. Just hit GET STARTED under my phone number and there was full access to whoever wanted to take my money out of my accounts. All of it. FYI I deleted the app immediately
OMG why did I ever agree to this
by Waccou on 2017/12/08 01:56
Take my advice -trust me - don’t walk , run from this service right now - they aren’t ready for prime time - I have spent literally about 2 hours on the phone over 2 days trying to get money sent to me multiple times - they can’t even get my account to register , I jumped through every hoop they asked me to and still nothing. It’s mind boggling that they coerced everyone into this without having it up and running properly. Each tech support person has me try different things and nothing works . They deactivated my account and requested I start over - now I can’t even register and they don’t know why. The ratings above are pretty clear that they have a problem. And if u have 2 different bank accounts u would like to use (say a personal and a business) forget it - it can’t be done - one cell number means only one account - because (per Zelle rep) they wouldn’t know what account to put the money in. I have one word - FAIL. Now I have to figure out how to not become delinquent on a mortgage payment.
Worst Customer Service I’ve ever encountered.
by jjspencer1196 on 2020/04/06 16:26
My wife set up a Zelle account but Zelle didn’t support her bank so she set the account up with my bank. We had an issue with the bank so she called in and they needed the bank account information. I got on the phone with Zelle and they proceeded to ask me to verify the account. I asked my wife is the account under your name or mine. Not a big deal I just wanted to answer the customer care rep correctly that way we could move along with the conversation. When I asked my wife the question the rep proceeded to start interrogating me. She said, You don’t know The Who’s account this is? Sounds pretty suspicious, sounds like you’re trying cat-fish me. I was like are you kidding me. We’ve already verified the account once. I took the phone from my wife to give you my bank. I hung up and called back a couple minutes later, got a different rep and canceled the account. Which took forever btw... I don’t recommend this service. The customer care experience makes the app not worth your time.
DONT USE ZELLE
by Terrible App 😑 on 2018/11/07 19:38
Basically I had an account with my old phone number and debit card. I don’t send money often, but my brother sent me $200 through Zelle. I don’t have that phone number or debit card anymore, but a notification came to me phone saying it was sent. I try to log in with my old phone number and password. It worked but they asked for the CVV of my old debit card, which I don’t have. So I had to make a new account. I get past all the steps but I try to put my new debit card information in and address and the app tells me that it doesn’t work. So I call my bank and they say all the information I put in the first time was correct but it still doesn’t work. So I call Zelle customer support & they say they don’t know what’s wrong. The lady told me, “That is very rare but some debit cards can’t be enrolled with Zelle and yours is one of them. Sorry there’s nothing I can do.” I was beyond mad. So now I don’t know what to do. Just use cash app people. It’s a small fee but I’d rather go through that than this.
Trash, unnecessary, won’t give me my money.
by holli irene on 2018/08/14 21:17
A friend sent me $1k more than a week ago. She has a record of it. I have a record of it. There’s no customer service rep to get on the phone to find out where it is. Just got the runaround punching in numbers on their phone line, forwarded to their website where I also can’t speak to a person. Was finally told via email 3 days after reporting the money missing to Zelle to call my own bank. My bank can also see the Zelle transaction but can’t figure out how to put the money in my account. I spent 30 minutes on the phone to “open a claim” with my bank that will take “10 to 45 business days to resolve”. In the meantime both me and the sender don’t have my money. No one asked for or needed this app to plug into our banks to transfer money. I would guess their plan is to hold onto it as long as they feel like to what? Gain interest on it? Rack up overdraft fees for people who need their money while it’s just floating in cyberspace with a 3rd party somewhere? Kick rocks, Zelle. No one likes you.
This is a terrible payments app
by Ben Birney on 2020/02/19 19:29
App: The registration process is crippled and barely-functional. The email you receive notifying you of money will lead you to dead ends. Even after you have registered, clicking “Accept Money” will lead you right back into the registration path, not into the app. If your bank is not listed with their service, you cannot accept a payment sent to you, even if you register the email address it was sent to. Linking up the initial email recipient and your new account takes them “1-3 days.” The UI in the app itself is confusing and buggy. The process of registering an email address is elaborate and needlessly steppy. Customer Service: prepare to enjoy a long wait through an unhelpful pre-recorded message that you cannot skip and tells you many and diverse things that you already know. Then you will have the joy of trying to communicate with overseas tech support who will read from a script and not resolve your problem. Competition: I can think of three services — Apple Pay Cash, Chase Pay, and Venmo — that do this thing perfectly. Zelle is needlessly full of friction and annoyance. Why use this when you could use a good app, developed and supported by a good company? Conclusion: Stay away. Zelle is trying to build an app and operate a service on the super-cheap. There are better ways to send money, and if you use Zelle the person you’re sending money to will have a bad experience.
App doesn’t work
by Jared010101010 on 2018/02/24 23:52
I’m on an iPhone 8 fully updated. I was able to create an account and provide my login information and go through the SMS and email verification process. After setup, the app fails to log in on both cellular (AT&T) and WiFi connections, over the course of a few days. The app is not usable in its current form. When I open the app my cell phone number is saved. I click “Get started” and get a “Login failed” message. No explanation, no redirection to support. Update: I was finally able to create an account after 3-4 days of trying. The app made me enter my card information to sign up twice - no reason why, just a “sorry, you have to re-enroll”. I got to the send / request screen and thought I was in the clear. Nope. Now I can’t log in. The app is unable to verify my password. I am completely sure this is the same password I used to sign up, as I use a password manager, and have only created my password once, never changed it. This app is ridiculously buggy.
Just use Venmo
by Hokocho on 2018/07/25 13:28
A family member tried to send me money through his bank using Zelle. He had had many problems with the app before (money not reaching people, days and days going by without funds processing, etc.) but tried it with me regardless. I was a new user of Zelle and my bank was not one of the partner banks, but followed the instructions carefully to process the transfer using my debit card. After over several days of waiting for the transfer, I contacted customer support via email. It was clear the “support specialist” did not check any of my information, and just told me to wait longer because I was a new user. After another week of waiting, my family member sent me the funds using a more reliable method. Again, he had no shortage of problems with the app and has since switched to other ways of transferring money to outside banks. Maybe it works well if you are sending money to someone within the same bank, but if not, mail a paper check or use Venmo and save yourself the anxiety.
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