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 in the U.S.1
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How it works:

Fast

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

Easy

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

Free

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 send and receive page of the Bank of America® Mobile Banking app

Get started

Open the Bank of America® Mobile Banking app. Sign in and tap "Pay & Transfer," then Zelle® and 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 in the U.S., 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 "Pay & Transfer" then "Zelle®," and "Send."
  2. Select 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. Tap "Pay & Transfer" then "Zelle®."
  2. Then tap "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 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.
  • Treat Zelle® payments like cash - once you send money, you're unlikely to get it back.
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.

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