Zelle Pay, although it has a daily limit of transfers for security reasons, is a personal payment app that tries to give its users an unmatched level of convenience. Its major competitors are Popmoney, Venmo and Paypal.
Zelle has established itself as a reliable means to transfer funds from one account to the other. It offers a unique feature which enables users to move money without linking their accounts to a third party service.
As a result of this feature, a lot of users prefer to use Zelle Pay. However, there is a limit to which you can send or receive money in a day.
In this article, we will be giving attention to the question; What is Zelle daily limit? Also, we will be considering the options available once you’ve reached your Zelle daily limit. In other words, what you can do when you reach your Zelle daily limit will be explained.
It is important to note that Zelle daily limit differs depends on the bank you’re using. For instance, PNC, Ally and TD bank Zelle limits are different from Zelle daily limit for Bank of America, Wells Fargo, Citibank, Chase, and Capital One.
Zelle Daily Send Limit
Before we proceed, there a few things I would like you to know. If you reading this post to help you decide whether or not you should use Zelle Pay. Well, what I can tell you is this; Zelle is a very fast means to transfer or receive money.
The good news is that, you don’t need to be a techie to set up your acount with Zelle Pay. It takes just a few minutes to enroll your account on Zelle. Afterwards, you can start using its services.
Having mentioned that, here are Zelle daily transfer limits for 12 top 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|
Zelle Monthly 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 isolate the various components of the table above to examine each one of them. Accordingly, here is the Zelle daily send limit of the various banks, starting with Wells Fargo.
According to the official website of the bank, Wells Fargo do not limit how much money one can receive with Zelle provided you use a U.S. mobile phone number or an email address.
Even so, the sender may have some restrictions on how much they can send, depending on the policies of the payment network or financial institution they are using.
However, for your security reasons, Wells Fargo restricts the amount of money one can send to recipients. The amounts one can send daily and over a 30-day period depends on the customer’s funding account, recipient’s account, and their transaction history.
What is Zelle daily send limit for Wells Fargo?
Zelle daily limit for Wells Fargo is between $1,000 to $2,500, and has a monthly limit of $20,000. Nonetheless, if you are sending money from Wells Fargo to a newer recipient, you’ll have a monthly of $4,000.
How to use Zelle Pay on Wells Fargo
Step 1: Sign in to your online banking account.
Step 2: Tap the Send Money with Zelle button.
Step 3: Accept the transfer services notice.
Step 4: Add the recipient’s account details.
Step 5: Ensure the details provided are correct.
That’s it. The recipient will recieve a notification that confirms that payment or transfer is completed. Also, upon activating internet banking, Zelle Pay on Wells Fargo can be used for checking and savings accounts.
Zelle limits for TD Bank
TD bank customers have a Zelle limit set at $1,000 daily and $5,000 monthly for transfers occuring within in minutes.
However, if a customer is patient enough to have a 3 days waiting period before transactions are completed, such customer will have a Zelle daily limit of $2,500 and a monthly limit of $10,000.
USAA Zelle transfer limit
USAA offers a limit of three payments per day, and a total of 21 transactions a week. However, your limit is set at a daily rolling limit of up to $1,000, rolling weekly limit of up to $2,500 and rolling monthly 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: For Android devices tap on the Tranfer button at the top of the screen. For iOS users tap on the transfer button at the bottom of the screen..
Step 4: Click transfer (Zelle) and input the recipient’s details.
Note: To send or recieve money you must be using a checking, savings or debit card accounts.
With a U.S. Bank checking account, you can transfer a range of limit between $1,000 to $2,500 a day and a monthly range of linit between $4,000 to $10,000.
Since these figures may be subject to change at any time without being notified, it therefore important to view your limits before you initiating a transfer.
You can do this by clicking on “ How much can I send?” which is close to the Amount field.
PNC Zelle limits
PNC customers have a Zelle daily limit set at $1,000 and transfer limit of $5,000 per month.
Discover and Ally Bank
Discover and Ally Zelle limits
Ally Bank has the least Zelle daily transfer limit at maximum amount of $500 per day with a Discover following it closing at $600 daily limit.
Even so, Ally has a fair monthly limit set at $10,000 per month.
Your Zelle daily or monthly limits depends on your deposit history and the Citibank checking you’re using.
What is Zelle daily transfer limit for Citibank?
Users who have been a Citi customer for less than 3 months have a daily limit of $1,000, and monthly limit of $5,000.
While customers with Citibank, Access or Basic accounts older than 90 days can transfer up to $2,000 daily on a monthly limit of $10,000.
On the other hand, holders of Citigold, Citi Private, or Citi Priority Bank accounts have a Zelle limit set at $5,000 daily and $15,000 monthly.
Like Wells Fargo, Chase Bank doesn’t place a restriction on the amount of money you can receive. Nonetheless, the amount of money that you can transfer using Zelle Pay is based on has the type of account you are using.
What is Zelle daily limit for Chase Bank?
For chase bank Chase Liquid cards and Chase Personal checking accounts can transfer $2,000 in one transaction. And a daily limit $2,000. While the monthly daily for such accounts is $16,000.
As for Chase Business Checking and Chase Private Client accounts, they have a daily limit of $5,000 and this amount can be sent or recieved in a single transaction. Even more, these accounts have a monthly limit of $40,000.
How to use Zelle Pay on Chase Bank App
Step 1: Sign in your account on Chase Bank App.
Step 2: Tap the navigation bar and select “Send Money.”
Step 3: Click the QuickPay with Zelle tab.
Step 4: Add a new recipient or choose from existing recipient.
Step 5: Input the amount you intend to transfer, then click the Send Money tab.
How to activate Zelle Pay on Chase Bank Website
Step 1: Sign in to the Chase Bank website.
Step 2: Click “Pay & transfer.”
Step 3: Select the Chase QuickPay with Zelle.
Step 4: Accept the service agreement and privacy notice.
Step 5: Ensure your email addres or mobile phone number is correct through the authentication code that will be sent to your phone.
Step 6: Choose the account your are using for QuickPay with Zelle, either a Chase Liquid Card or a Checking account.
Upon doing this, you should be able to receive or transfer money using Zelle Pay on your Chase Bank account.
Zelle daily and monthly limit for Capital One
If you’re using Capital One to send money through Zelle Pay, you will be able to transfer up to $2,000 per day and $10,000 per month irrespective of your account type.
Bank of America
What is Zelle daily transfer limit for Bank of America?
Like Wells Fargo and Chase Bank, Bank of America doesn’t there are no limits on what you can receive. But there’s a limit on how much you can send.
Bank of America offers a limit of $2,500 a day, with not more than 10 transfers within 24 hours. You can transfer money to other Zelle users BOA’s Mobile Banking app or Online Banking, if you have their U.S. mobile number or email address.
There is a $10,000 weekly limit with not more than 30 transfers, and a $20,000 monthly limit with a total of 60 transfers.
How to send money using Zelle Pay on Bank of America
Step 1: Sign into the Bank of America mobile App.
Step 2: Click transfer and choose Zelle.
Step 3: Now tap the send button.
Step 4: Add recipient or choose existing recipient.
Step 5: Input the amount you want to send and choose the account type you wish to send it from.
How to receive money using Zelle on BOA
Step 1: Sign in to Bank of Ameria mobile App, then click the Transfer Zelle button.
Step 2: Click on settings or setup button and follow the prompted instructions.
Step 3: Add the email address or the mobile number of sender. This email address or number must be associated with the sender’s Zelle Pay.
Step 4: Check your mail inbox or SMS for the OTP code.
Step 5: Input the OTP code in field provided to complete the transaction
As technology continues to improve, we have that point where you do not have to drive down to the banking hall or to the ATM to send money or make transfers.
The existence of mobile payment P2P platforms which allow you to send money to your loved ones, friends, and business associates through your mobile phone, are indeed a game changer.
Zelle App is one of these platforms, and you’ll definitely love the way it works. It sometimes boasts of faster processing than the PayPal.
All you need to do is sign up for its services via your official bank website. And you’ll be able to send and receive money to your bank accounts at a remarkable speed and without any charge.
Frequently Asked Questions
How can I transfer money from Zelle to my Wells Fargo Visa Card?
To transfer money from Zelle to Wells Fargo Visa Card go to Wells Fargo’s website, then go to Send Money (Zelle). It is not possible to do this on Zelle App.