Zelle transfer limit guide [2025]

Zelle® is an online payment platform available through your bank or credit union, with over 2,100 participating banking apps offering Zelle as an easy and secure option to transfer your funds.¹

But are there any limits to how much you can send through Zelle? And can you receive as much money as you want? Read everything you need to know in our Zelle transfer limit guide.

How much money can you send through Zelle?

You can use the Zelle app to directly send money to other Zelle users. If you’re not using Zelle through your bank, you can send up to 500 USD per week and you can receive up to 5,000 USD a week.²

Factors influencing Zelle transfer limits

There are a few factors affecting how much you can safely transfer with Zelle. If you’re using Zelle through your bank or credit union, you’ll need to find out how much your bank will let you transfer, as different banks set different limits.

Is there a daily limit on Zelle?

The Zelle daily limit varies by bank. For example, Citi® lets existing customers transfer up to 2,500 USD per day, whereas Bank of America® lets you send up to 3,500 USD a day.³

Are there different limits for different types of Zelle transactions?

There are different limits for different types of Zelle transactions, whether you use Zelle through your bank or directly. For example, you can typically send less money than you can receive through the Zelle app.

If you choose to make a transfer using the Zelle app, you’ll also experience a different transfer limit than if you choose to transfer through one of Zelle’s partner banks, such as Chase® or Capital One®.

Your bank may set a different limit for personal or business transfers. For example, Chase customers with personal checking accounts can transfer up to 2,000 USD per day, but private client or business checking accounts can send up to 5,000 USD a day.³

Are Zelle transfer limits the same for sending and receiving money?

Zelle transfer limits differ depending on whether you’re sending or receiving money. If you want to send money through the Zelle app, you can only send a transaction to other Zelle users, and you’re limited to 500 USD per week.⁴ However, you can receive up to 5,000 USD.

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Can Zelle transfer limits be changed?

You can’t change your transfer limits if you’re using Zelle without your bank or credit union.

However, if you’re using Zelle through your banking institution, contact them to discuss your transfer limits, as they may be able to increase your limit based on your circumstances.²

If you still need to transfer more money, you may need to choose a different payment platform, such as Wise.

What happens if you exceed your Zelle transfer limit?

The Zelle app won’t let you exceed your Zelle transfer limit. Once you reach your limit, you’ll need to wait for it to reset before you can send or receive funds.

Make sure to check with your bank or credit union for further advice and support about your transfer limits with Zelle.

Do all banks have the same transfer limits for Zelle?

Zelle partners with several US banks – and each bank has different daily and monthly transfer limits.

Standard Zelle transfer limits

If you’re not using a bank or credit union, you can transfer up to 500 USD per week via the Zelle app. You can also receive up to 5,000 USD per week from other Zelle users.

Bank-specific Zelle transfer limits

There are some bank-specific Zelle transfer limits to understand before sending your money. We’ve put together information about a few popular Zelle bank partners.

Wells Fargo & Zelle: policies and limits

Wells Fargo® and Zelle partner to offer an easy, safe, and fast way to transfer your money online. Simply open your banking app and choose to send or receive your money through Zelle.

You won’t experience a charge for sending your money with Zelle, but you’ll still need to pay any account fees with Wells Fargo, such as a monthly service charge.⁵

Your Zelle transfer limit with Wells Fargo will depend on your account type, your recipient, and your online banking history. For security reasons, Wells Fargo limits how much you can send to another account. However, there’s no limit to receiving money through Zelle.⁶

Zelle is a handy way to send and receive your money, especially if you use it with your bank or credit union. However, there are some daily and monthly transfer limits – and how much you can send or receive may depend on which bank you use.

To find out more about your global spending options, check out Wise.