How To Receive Money on Zelle

Zelle payment app
Chase Brock / GOBankingRates

Zelle is one of the many digital payment platforms people use to send money to one another. However, unlike other stand-alone payment apps such as Cash App or Venmo, Zelle is integrated with more than 1,700 banking apps. So if someone has sent you money through Zelle, you have a few options for getting your money.

The following explains how to receive money on Zelle and some things to know about the service if you use it to send and receive money.

How Do I Receive Money From Someone on Zelle?

Perhaps someone you know has sent you money through Zelle. If you’re enrolled with Zelle, you don’t need to do anything to get your money. The funds will go straight into your linked bank account. 

If you aren’t enrolled with Zelle, take these steps to create a Zelle profile and receive your funds if the service is available through your bank:

  1. Open the Zelle payment notification and click on the link in the message.
  2. Search for and select your bank or credit union.
  3. Follow the prompts to complete enrollment, and your funds will get deposited into your bank account.

If your financial institution does not have Zelle, take the following steps:

  1. Download and launch the Zelle app.
  2. Follow the prompts to enroll your bank Visa or Mastercard debit card.
  3. Complete the enrollment, and the funds will be sent to your bank account.

If you receive a notification that someone has sent you money through Zelle and you do not enroll within 14 days of the notification, the funds will be returned to the sender.

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Do I Need the Zelle App To Receive Money?

You don’t need the Zelle app to receive money if your bank includes Zelle with its online banking platform or mobile app. However, if your bank doesn’t support Zelle, you can download the Zelle app and link your bank Visa or Mastercard debit card to receive and send money. Either way, you need a bank account for Zelle.

Can You Send Money Through Zelle to Anyone?

Once you’ve enrolled with Zelle, you can use Zelle to send money to anyone if you have their U.S. mobile number or email address and they have a U.S. bank account. However, the recipient must also be enrolled to receive the money. The payment will expire and get returned to you if the recipient doesn’t enroll with Zelle within 14 days of you initiating payment.

To send money with Zelle:

  1. Use the Zelle app or log in to your bank account to access Zelle.
  2. Enter the recipient’s mobile number or email address.
  3. Enter the payment amount.


Zelle is a convenient way to send and receive money. However, scammers have found ways to trick people using Zelle and other payment apps, so staying current on Zelle scams can help you protect your money. Also, always ensure that you are sending money to the correct recipient and that it’s someone you know and trust. A completed Zelle transaction cannot be reversed.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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