Zelle limits at top banks

Key takeaways

Zelle is an easy tool for sending money between friends, family or different bank accounts, but transfers are subject to daily and monthly limitations.

Depending on the issuing bank, daily limits for Zelle transactions range from $500 or less to $10,000 or more.

Aggregate monthly transfer limits also apply and range from $10,000 or less to $20,000 or more. Zelle is a mobile payment service that enables you to send money electronically from your bank account to the accounts of family members or friends. Conveniently, the money can appear in the recipient’s account almost instantly, and you don’t need to bother handling cash or writing a check. Zelle transaction limits vary by bank and can range from $500 to $10,000 or more per day. There may also be weekly and monthly limits. Zelle transfer limits by bank The following are the Zelle transfer limits various banks impose on personal customers. | Bank | Daily Zelle transfer limit | Monthly Zelle transfer limit | |---|---|---| | $500-$3,500, depending on account age | $20,000 | | | $3,000 | Not disclosed | | | $500-$10,000 for each transaction, as dynamically determined by Chase | Not disclosed | | | Citibank: Standard account | $500-$2,500, depending on account age | $15,000 for enrollments established more than 30 days ago | | $500 per transaction, $1,000 per day | Not disclosed | | | $1,000-$2,500, depending on transfer speed | Instant transfers: $5,000; Scheduled transfers (up to 3 business days): $10,000 | | | $2,000 | $10,000 | | | $1,000 | $10,000 | | | $3,500 | $20,000 | Limits may change or vary by account. Please check with your bank to see what the current daily, weekly and monthly Zelle limit is. Receiving limits for Zelle While banks typically limit the amount of money you can send using Zelle, they may not impose limits on how much you can receive. Check with your bank to see if there are any restrictions on receiving from Zelle. Remember, however, the person sending you money likely has a limit imposed by their bank regarding how much they can send. Can I transfer money using the Zelle app? It used to be possible to send money using the Zelle mobile app. However, the app no longer exists. As such, anyone who uses Zelle to send or receive money needs to do so through their bank’s app or website. More than 2,200 banks and credit unions offer Zelle to their customers. Learn more: Best ways to send money How banks set Zelle limits Most banks set Zelle transfer amount limits per day and per month, and some also set weekly limits. Many also set limits per transaction as well. You may be able to send more at once if you choose a standard transfer option that takes one to three days instead of transferring instantly, as seen in the table.