Request a Zelle payment from Chase in three steps: open your Chase mobile app or online banking, select "Send Money" or "Zelle," enter the recipient's email or phone number, type the amount, and hit send. The recipient gets the money in minutes to hours, depending on whether their bank is enrolled in Zelle. If you're sending to someone whose bank isn't on Zelle yet, the payment will sit pending until they enroll or you cancel it.
Key Takeaways
- Chase customers can send Zelle payments through the Chase mobile app, Chase.com, or by calling 1-800-935-9935 to request a transfer by phone.
- The recipient must have a U.S. bank account and provide either their email address or phone number registered with their bank's Zelle service.
- Money arrives in minutes to hours if the recipient's bank is enrolled in Zelle; if not, the payment stays pending until they enroll or you cancel it.
- Chase does not charge a fee to send or receive Zelle payments, but your recipient's bank may have its own policies.
- Once you send a payment, you cannot cancel it if the recipient's bank is already enrolled in Zelle; you can only cancel pending payments to banks not yet on the network.
Sending a Zelle payment through the Chase mobile app
Open the Chase mobile app and log in with your credentials. Tap the menu icon (three horizontal lines) in the bottom right corner, then select "Send Money" or look for a "Zelle" option depending on your app version. Tap "Send with Zelle" or the equivalent button.
Enter the recipient's email address or U.S. phone number. This must be the email or phone number they have registered with their own bank's Zelle service—not just any contact information. Type the dollar amount you want to send, add an optional note, and review the details. Tap "Send" to complete the request.
The payment will process immediately if the recipient's bank is enrolled in Zelle. If their bank is not yet on the network, the payment enters a pending state and will remain there until they enroll or you cancel it (usually within 30 days, depending on Chase's policy at the time).
Sending a Zelle payment through Chase.com
Log into your Chase account at Chase.com on a desktop or mobile browser. Click on "Send Money" in the main menu or look for a "Zelle" link in your account dashboard. Select "Send with Zelle."
Enter the recipient's email or phone number, the amount, and an optional message. Review the transaction details and click "Send." The payment processes the same way as through the app: instantly if the recipient's bank is enrolled, or pending if it is not.
Sending a Zelle payment by phone
Call Chase customer service at 1-800-935-9935 and tell the representative you want to send a Zelle payment. Have the recipient's email address or phone number ready, along with the amount you want to send. The representative will process the request and confirm the details with you before sending.
Phone requests take longer than app or web requests because a representative must enter the information manually. Use this method only if you cannot access the app or website, or if you need to speak with someone to verify the recipient's details.
What happens when the recipient's bank is not on Zelle yet
If you send money to someone whose bank has not enrolled in Zelle, the payment will not go through immediately. Instead, it enters a pending state. The recipient will receive a notification asking them to enroll in Zelle through their bank's app or website. Once they do, the money transfers to their account.
If the recipient does not enroll within the window Chase allows (typically 30 days), the payment will be canceled and the money returned to your Chase account. You can also cancel a pending payment yourself at any time through the Chase app or website by going to your transaction history and selecting the pending payment.
Canceling or recalling a Zelle payment
If the recipient's bank is already enrolled in Zelle, the payment is final and cannot be canceled or recalled. Money arrives in minutes to hours, and once it lands in their account, you have no way to reverse it through Zelle itself. If you sent money to the wrong person or by mistake, contact Chase customer service immediately to report it, though recovery is not may provide.
If the payment is still pending (because the recipient's bank is not yet on Zelle), you can cancel it through the Chase app or website. Open your transaction history, find the pending Zelle payment, and select "Cancel." The money will return to your account within one to two business days.
Fees and limits for Zelle payments through Chase
Chase does not charge a fee to send or receive Zelle payments. However, some banks and credit unions charge their own fees, so ask the recipient's bank if they have any charges on their end.
Chase sets daily and monthly limits on how much you can send through Zelle. These limits vary by account type and your history with Chase. Check your Chase app or call 1-800-935-9935 to find out your specific limit. If you need to send more than your limit allows, you can request an increase, though Chase may not grant it immediately.
Frequently Asked Questions
Can I send a Zelle payment to someone outside the United States?
No. Zelle only works between U.S. bank accounts. Both you and the recipient must have accounts at U.S. banks or credit unions. If you need to send money internationally, use a wire transfer, ACH transfer, or a third-party service like Wise or Western Union.
What if I send money to the wrong email address or phone number?
If the recipient's bank is enrolled in Zelle, the payment is final and you cannot reverse it. Contact Chase customer service right away to report the error and ask if they can help recover the funds. If the payment is still pending, cancel it immediately through your Chase app.
How long does it take for the recipient to get the money?
If the recipient's bank is enrolled in Zelle, the money arrives in minutes to hours, often within the same day. If their bank is not yet on Zelle, the payment stays pending until they enroll, which can take days or weeks. Some banks enroll customers automatically; others require the customer to opt in.
Can I dispute a Zelle payment if the recipient doesn't send me what they promised?
Zelle payments are treated like cash transfers, not credit card transactions, so dispute protection is limited. If you believe you were scammed or the recipient broke an agreement, contact Chase and file a report, but recovery is not may provide. Always verify the recipient's identity before sending money.
Do I need the recipient's bank account number to send a Zelle payment?
No. You only need their email address or phone number, as long as it is registered with their bank's Zelle service. You do not need their account number, routing number, or any other banking details.