It’s fast, easy and free.1 It’s Zelle®.

Send and receive money with friends and family in minutes, no matter where they bank.1

How it works:


Send and receive money in minutes1 while keeping your account information private.


All you need is a U.S. bank account and a U.S. mobile number or email.


Zelle® is free in our mobile app2 and Online Banking.

Nearly Everywhere

Zelle® is in most people's banking apps, and money is sent directly between accounts.1

Phone with the screen on the Transfer page of the Bank of America® Mobile Banking app.

Get started

Open the Bank of America® Mobile Banking app. Sign in and tap "Transfer | Zelle®," and then follow the on-screen instructions.

You can also add the Bank of America widget to your home screen to link straight to your contacts, giving you fast, direct access to send and request money.

No matter where they bank, you'll know if your friends and family are already using Zelle® - just look for the purple z next to their contact.

Phone with screen explaining Zelle QR codes in the Zelle app.

Zelle® QR Codes in our app

To send money:

  1. Tap the QR code icon next to the search bar to open your device’s camera.
  2. Scan their QR code to easily get the contact information without having to manually enter it. Confirm and send.

Plus, you can also share your unique QR code if someone is paying you back with Zelle®. It’s easy.

Send money

Need to pay the sitter, or your share of a group gift?
Send money now with Zelle®.

  1. Tap “Transfer | Zelle®” and then “Send.”
  2. Select to add your recipient
  3. Enter the amount and select your funding account.
  4. Include an optional note and tap “Send Money."

See transaction limits

Try guided demo

Receive money

Enroll your U.S. mobile number or email address, and the money will be sent directly into your Bank of America® account. You’ll receive the money in minutes.1
Enroll now with Zelle®

  1. Sign in and tap “Transfer | Zelle®.”
  2. Then tap “Settings” or “Manage Settings” and follow the instructions.
  3. Check your text messages or email for a one-time code, so we can confirm it’s you.
  4. Next time someone sends you money, it will be available in your account within minutes.1

Try guided demo

Important information about trending payment scams

  • We will never call to ask you to send money using Zelle® to yourself or anyone else.
  • We will never contact you via phone or text to ask for a security code.
  • If anyone reaches out to you and asks you to send money or provide a code, it is likely a scam. Bank of America will not do this.
Learn more about trending scams

Start using Zelle® today

Enter your U.S. mobile number and we’ll text you a link to download the Bank of America® Mobile Banking app so you can get started.

Get the app

Enter your cell phone number


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