Zelle App Reviews

We transfer money over €4 billion every month. We enable individual and business accounts to save 4 million Euros on bank transfer fees. Want to send free money abroad or transfer money abroad for free? Free international money transfer!

NEVER USE ZELLE!!!. So basically I have been scammed! Zelle sent me a message telling me to accept money and then they send me the runaround. I enrolled using my bank and it tells me that Zelle takes about 3 business days to process any payments. ( keep in mind that I've used Zelle before ) so not sure why I had to enroll again! Then I decided to call my bank after the 4th day... They tell me that I have no pending payments... Yet Zelle that same day texts me with a SECOND message telling me to accept my payment by clicking a link... I click the link and they still send me the runaround! So this time I decided to call Zelle because my bank tells me to contact them. I get on the phone and I'm sent on a another runaround! They can't help me or tell rather or not I have pending funds but they can send me a text telling me to accept the funds that are still pending ONLY because I haven't accepted them? ( Keep in mind these messages that I’m receiving to accept the money are being sent by Zelle themselves ) So how is it that you can't resend or show me how to accept the funds or check in your system of the amount being sent??? ITS BEEN 5 DAYS AND I HAVE NOT REICEIVED ANYTHING! DO BETTER!

The worst. Cash app is WAY SIMPLER. Zelle is the worst. You have to go through your actual bank app to send money. Versus using the Zelle app. I prefer to use the Zelle app. What is the point of making someone download the app to just redirect them to their banking app. That doesn’t make any sense why can’t you just use the Zelle app like we’ve downloaded. It’s a waist of space in my phone. Problem number two. Zelle is supposed to be Instant. It’s not. Some days it’s instant some days it chooses to take forever. Some days when you send someone money they don’t receive it but it still comes out of your account. You all should change it back to The original way where are you just open the Zelle app and send money. It was much simpler that way. Having to explain how to use Zelle is very difficult because everyone has a different bank which means everyone has a different way of sending money. It was way simpler to just log into your Zelle app and send money that way ,just like Cash App I’d rather deal with Cash App taking my money to send money then having to deal with Zelle.

The worst money app out there!. I’ve tried to use this three times over the last three months. First time worked fine. Second time, I spend all day trying to send money. Call tier two support, they make me answer some questions about the square footage of my home and old addresses I lived at and Russian names I’m supposed to know, and then tell me the problem is with the owner who I’m sending money too. They check, are told no problems. Suddenly money goes through after trying for 10 hours. This month, same thing. Money doesn’t go through, I call, get told the problem is with the receiver’s bank, they call, get told it’s because I’m using the app instead of my bank’s app to send money. Why have an app if I’m supposed to use my bank’s app to send money? My bank doesn’t have Zelle integrated in their banking app, so it’s not even an option. Skip this service. There are others out there like Venmo or Google Pay that just work. This one does not. Oh, and the fact that Apple rates this app at above 4 stars but all the other reviews I’m reading are one star tells me Apple is complicit in getting people to use this garbage and give some foreign company your banking info.

Feedback. This is not a review, but I wanted to leave some feedback and leave an idea that I would love to see incorporated into the company’s future. From what I know of and experienced with Zelle, persons are able to send money instantly to and from bank accounts. However, only one bank is allowed to be linked under a phone number and/or email at a time. That feature makes is difficult to choose which bank account to receive money to from another bank. I think it would be beneficial for the receiver to have multiple bank accounts attached under one phone number/email which would allow the sender to pick which account to send money to if requested by the receiver. This would omit the unnecessary toggle of bank account attachments to one phone number and/or email. I have two bank accounts attached to my cell number and would like my mother send money to the second one listed under my name listed in her list of people to send to. The only thing she would be able to see is the nickname I gave for my bank accounts so no personal information is displayed.

Still haven’t received my money from my grandfather. I’ve used Zelle many times before in the past. My grandparents use it to send money for us to get the kids stuff they need. We have never had an issue up until now. My grandfather who is in his 90’s uses Zelle to send me money, well we had sent me like 4 transactions and guess what? I haven’t received anything? So the money is just out their somewhere. I have it set up to go into my bank (which is has before). I have it set up to get text messages and email messages from Zelle when money is sent to me. And don’t even get me started with customer service they are absolutely no help at all, and the last guy I talked to was extremely rude and tried to blame this all on my grandfather. Come on Zelle do better. I’m waiting and it’s going on almost a week now.. where’s my money at? I’ve also deleted the app and re downloaded it did an update on my iPhone and nothing is pending in my bank account, no messages from Zelle.

The App is GREAT but needs a few things.... I love this app! It’s saved me a lot of time and trouble. There are a few things I’d like to see added/changed... 1) a higher weekly limit. I pay my housekeeper every week, plus other people for random things. The weekly limit has stopped me from sending money several times. It’s aggravating. 2) I like the ability to search your contacts to find people but when I add a phone number that’s not in my contacts, I’d like to be able to add info to the number and it be in Zelle the next time I go to use the app. Lastly, 3) There is an annoyance that comes with having to log in as a new user each time I access Zelle. The app tells me I’m logged out (which is great & protects my bank account) but gives me no way to log back in. I have to sign in as a new user each time. Other than those few things, the app is great!

Hard to enroll, insecure, no release notes. It’s what you’d expect from yet another attempt at making transferring money easier. If you’re unfortunate enough to be the recipient of money through Zelle, you might keep your sanity if your bank is one of the 10 or so supported ones. Otherwise you get to download this “easy” app, verify your phone number (if you get through the errors), enter and verify your email address, enter a debit card (of which you at least can take a picture instead of entering the number; you still need to enter the exp date, CCV, name and billing address though), and type, by hand, an insecure password that you can both type on your phone and remember. If you use a password manager, you’re out of luck, because you can’t copy or paste the password; Makes Zelle an easy target for hackers. Once you’ve done all that, maybe it’s easy to send and receive money. But, it would have been much easier to use PayPal or just enter an account and routing number. Or send a paper check, walk to the bank, go in instead of using the ATM, chat with the teller a bit, deposit it, and pick up a mint on the way out - that’d be easier and you’d get exercise, conversation, and a free mint. Do that instead.

Zelle is frustrating and doesn’t work as advertised. I have been trying to sign up with Zelle for a month now, but I can’t because it will send me back to my bank app. I can’t use Zelle on my bank app because I’m not signed into Zelle, but Zelle won’t let me sign in cause I have a bank app. Nothing is working and not one FRQ or blog post about this issue has been helpful. I’ve tried on desktop but it just tells me to go to the app which sends me to my bank app which tells me “they’ve hit a snag” and to sign in which I can’t do on mobile cause it just sends me to the bank app, and can’t use on desktop cause it just sends me to the Zelle app which sends me to my bank app. Every attempt to figure this out has either led me in a circle or made me hit a brick wall. I have to pay back a friend of mine who INSISTS on using this stupid app and doesn’t even know what the issue is either and is probably getting frustrated that I haven’t payed him back yet. In short, nothing works, I can’t sign in, all the apps and links just send me in frustrating circles, and I’m making my friend frustrated that I can’t pay him back through the only payment app he insists on using. I’ve never used something as infuriating as Zelle.

Total crap. Ok, I’ve been trying for about a week now to use this app. I have a party that would prefer I send a payment through it. I downloaded the app went through the process, more than once an kept receiving errors. (basically, call Zelle to handle it) Full disclosure. I bank with a credit union not in the options offered so I have to take a photo or enter my debit card number. The system would NOT take a photo but seemed to recognizable my card number. I called customer service (The first time) only to be transferred and a wait of 20 minutes or so. I explained my situation and was advised that the problem was that I use Proton (A secure) Email. If I wait 24 hrs. use an UNSECURE Gmail, Hotmail or alike it should work. Well I HAVE BEEN TRYING ABOUT 5 days now with ZERO success. I never get to option to add a different email. Basically Im in a never ending loop. One advisement was that I am locked out forever..🤬🤬🤬🤬 I DO NOT EVEN HAVE AN ACCOUNT TO BE LOCKED OUT OF. Sooo Am I frustrated..??? That is putting it mildly..Oh, Not into calling “Support” and waiting 30 minutes to an hour to be told again they can’t do anything.. If there was less than 0 stars I would have chosen that 🤬

Misery. Avoid Zelle. One star because zero stars is not an option. If you have to change your bank info good luck getting paid. You can’t change the debit card info in the app or online. You have to call them. After an endless wait you get first level support, which is useless. They don’t know anything, can’t do anything, and some of them barely speak English. After you struggle to understand them and to make yourself understood, they finally transfer you to second level support. This is where you go to die. The wait there is interminable. If you give up you can’t get paid. If you persist chances are you’ll still end up in limbo while they muck around with your account and hold your payments. If you have to add a different debit card they have to delete your account so you can register as a new user and add a new debit card. When they finally called to say my account was deleted and I could now register, I got an error message that my profile was locked, have to call them. Another interminable hold with no resolution. In the meantime of course I can’t receive payments. This company should not be allowed to handle people’s money and Apple should remove their app from the App Store.

So if my bank doesn’t have Zelle support…. Zelle took my account information, and only after making me verify it did they tell me that my bank does not have Zelle support and won’t let me use Zelle. Why they did Zelle save my account number and info if they cannot provide services to me under that account? Why not give an error immediately? Zelle had no business taking my account number AT ALL if their system won’t work with my bank. I would never have given Zelle my personal information and certainly not my account info if I knew it would not function. How odd that Zelle thinks it’s reasonable to save my account info and risk a breach when I can’t even use their service. They did the same thing to my girlfriend; we bank at the same place, and when we went to test Zelle, she got the same error. But Zelle was sure eager to keep her account info in their system. Very weird. The app should throw an error, tell you that your account cannot be linked or used, and then NOT save your account info until such time as your bank “allows” Zelle to function. Otherwise, your account number and information is floating around in an app that’s not useable to you. It’s like leaving your checkbook at a bus stop, waiting for somebody to pick it up and wreak havoc.

Garbage & Bad Tech Support. I know this platform has someone managed to win Integration contracts with banks all over the country, but I’ve attempted to use this app a total of 3 times and have had major issues 2 of those times, including the first time I was sent funds. I spent close to 2 collective hours with multiple tech support individuals who told me everything from my Debit card number automatically excluded me from being able to use their service, to my bank not working with Zelle yet is why I couldn’t collect the money sent me. Finally I spoke to someone with a brain in their head who was able to figure out a solution, but the literal hours I spent on the phone left me with a terrible taste about this company. Today i tried to use the app to Send money to someone else, this time that individual being the first time user, and of course, it won’t process the transaction. Tech support tells me that all my information is fine, her bank tells her that it’s me. Facebook and Google/Apple have got this figured out - I don’t know why the company the banks have chosen to work with has so much trouble.

Terrible Customer Service. Not even sure where to start. It’s been 13 days since I received an email from asking to create my account so I could receive a transfer of funds. To this day... I have yet to receive any money!! ... I set up my account with the email sent to me. I then added my phone number so I could confirm my account. All of this took place the same day. I waited 4 days and send in an email ticket to discover the status of my transfer. Note trying to talk to a REAL human is yet another excruciating experience.... Their email support reply said that I had to contact my bank to make sure my account was set up.. I did and my bank (Chase, who is one of their listed partner banks) confirmed that Zelle was linked to my account and I could receive transfers. I waited another day and sent another email asking where my funds are. They then replied saying that the person sending the funds had to check with their bank. He did and his bank confirmed the funds had been transferred and the money was gone. Now Zelle is saying they never touch the money? Talk about pointing fingers elsewhere.. my friend now had to File a claim with his bank to get the money back.. which will take more time... and I still do not have any money...

WORST APP OF THE CENTURY. This company has the absolute, most atrocious customer service that I have ever had the displeasure of speaking with. I kept getting a wrong password error after trying the only few passwords I use for my accounts, and there was not any “Forgot Password” links to be found on the website or app. Upon calling Customer Service the first time, I was talked to like I was an idiot and was never actually helped with resetting my password. I was told that he had done some re-figuring on his end and I could try to log back in as a new user (keep in mind - I already have had an account) in 10 minutes. Upon trying to gain access to my account yet again, my number had been blocked. I contacted Customer Service and they told me there was nothing they could do and that the app would give me the option to deactivate my account later, but that I would not be able to use the app or get into my account for 30 days. I told the lady to deactivate my account today and I’m hoping that actually went through. Why isn’t there an option to change my password if forgotten?? It’s absolutely ridiculous. I also find it unsettling that there supposedly is no way to get into the account that has my banking information in it for at least 30 days. With that being said - do NOT use this app!

No customer Service.. I had an issue with my Zelle account and instead of the customer service agent helping me they closed my account! I had my account open for 3 weeks and they closed it and restricted my phone number! When I called back in to talk to someone about it they said that it was due to my bank so I checked with my bank and there was no issues there! I called Zelle customer service again to find out why it was closed and they then told me it was for one single transaction that someone had put a comment on saying that it was for a deposit for a puppy! And well that was all she wrote! No contact from Zelle to talk to me about it no nothing they just closed my account and restricted my number! This along with Venmo, Cash App, PayPal, and Square App! Every single app have been doing the same exact thing closing my accounts for no reason and when you ask for a reason they tell you it is because you have violated their standards! But they cannot tell you how you violated the standards just that you have and your account is closed!

Terrible customer service. A monthly debit into my account, that’s been regularly happening for five years, all of a sudden couldn’t happen today. I quickly figured out that I needed to change my debit card on my profile and tried to do so on the app. The app wouldn’t let me do it and said that I had to contact them. So, I called customer service and after waiting for 15 minutes to get a hold of someone, all I got was someone reading a service manual and who simply repeated my own words back to me for 6 minutes. He finally puts on hold, only to tell me that I have to call them back. He gave me a case number. I waited a few hours and tried to change my debit card on Zelle’s website. THE WEBSITE ADOES NOT LET YOU DO THAT so I’m stuck calling them again! The second call resulted in a 25-minute wait to get a hold of someone. This customer service rep told me that based on their “proprietary algorithm that he cannot share with me” they put a 24-hour hold on my account and I have to wait until tomorrow to change my debit card. I simply couldn’t understand why they would take it upon themselves to be so disruptive WITH MY ACCOUNT AND MONEY so I asked to speak with his supervisor. The rep said his supervisor is not available and he will put me on queue to get a callback. 🤬 Completely random nonsense that I will not put up with. 😡

It would have been easier to just go to the bank. This service is the most user u friendly service I’ve ever seen. I registered for Zelle via my bank’s mobile app using my email, but that wouldn’t pop up when my friend searched me to send me money, so I had to reregister using my phone number. I then got a confirmation text that she deposited funds into my account, but I guess the first time one uses the app it can take several business days to deposit the funds, which currently still aren’t in my account. But hey for some reason I got a reminder text that my friend sent me funds even though there appears to currently be nothing I can do to access the funds. So I tried registering on the Zelle app as well (even though I already registered via my bank), however the funds still aren’t appearing anywhere. I called the customer service number, but there isn’t even an option to speak to a person, you just go through a maze of an automated recording system that is suppose to answer all your questions. It would have just been easier, and faster, for my friend and I to drive to the bank and withdraw the funds.

Can’t do anything without allowing full contacts access. The app has a message saying quite clearly how if you allow full contacts access you can send quicker, but that there is an alternative, in which you can either hit the “+” button, or the “Add a new Recipient” [capitalization theirs] button to send funds. However, neither of these buttons exist. I have no idea if they only exist after sharing contacts, but I don’t want to do that and it really is not necessary for a financial transactions service. The only point of forcing it is for sketchy data mining. UPDATE: So, against better judgment, I allowed contacts access. I still do not have a “+” or “Add a new Recipient” [sic] button anywhere. Also, all contacts were added once for every method of contact, so I have between 2-7 entries per person. Also it added one for every number I’ve ever blocked. It looks literally nothing like the screenshots on the App Store page, it’s just a heinous mess. ALSO if I hit the big fat “Request” button it still takes me to the same screen asking me to select a “recipient”, which sounds like I’d be sending money not receiving it. This app has been 3 consecutive dumpster fires so far, and I’ve had it for a couple of hours. How does anyone even use it for its intended purpose? Does it have any functionality at all? People trust financial transactions to stuff that looks this bad? I wouldn’t trust them to make me a ham and cheese sandwich.

Not Client friendly app is not adaptive. This is not attuned to the ever changing lives of clients using this app. I’ve been attempting to switch cards and add an email to my account. First day the error message was uh oh come back later and try again. Second day your account is temporarily locked for security reasons. Mind you password and all info being entered is MINE and accurate. Then yesterday after getting the same message as the previous day, I called “customer service” via the app who informed me they would have to VET ME with some questions to unlock and to Update my information for me. I asked why am I NOT ABLE to update my own info as needed? The response- Zelle doesn’t allow so many changes as it wants you to use A PERMANENT CARD as it only allows for infrequent card updates. Nevermind that life is what it is and if you want to change out your card to you should allowed to do so. We go through that process and they said now I need to wait 15 min for the system to reset my account. After some small talk, the call is ended NOT BY me. I had other things to do so I come back later. Not only can I NOT ACCESS MY ACCOUNT BUT ITS NOW SAYING I AM PERMANENTLY LOCKED OUT and to CALL CUSTOMER SERVICE. Not Zelle’s greatest moment. I just deleted the app.

WORST SERVICE EXPERIENCE EVER!!. I tried sending $600 to someone, and the app says my bank has a limit...first off, I work for the bank who’s debit card I have registered to Zelle, so I know they don’t have any limits. Secondly, I try creating a second account with a different phone number, different debit card #, and different name(obviously the name matches what’s on the card) & now it tells me that the account can not be created. So after several attempts the second ph# I tried registering gets LOCKED although it never got created. And so I call they’re customer service the following morning and they create a case # THE FIRST TIME, then they transfer me to the second level customer service which I was on hold with for 45 minutes & eventually hung up. I call back again, on hold to speak to the FIRST department for 15 minutes, they transfer me again with a NEW case # and I’m on hold again for another 30 minutes with no answer, no resolution, nothin. First and last time using this service! POOR customer service, POOR reliability, POOR everything! I will definitely be advising others NOT to use Zelle!

I wish I could give ZERO stars!. This is the dumbest money-transferring app I have ever used in my life!!! Originally all was fine, but after several months of not using the app, I got a new phone. Fast forward 6-8 months. My dad sent me money through Zelle. So I download the app on my new phone and prepare to login. It continued to give me an error message. So I call CS and what they tell me literally blew my mind. They said “oh well, your account was closed due to something that either your bank or your cell phone provider reported to us. I can’t tell you what because it’s confidential, but it could have been anhthing from your bank account got hacked, or your bank account went to a $0 balance at some point, or that you changed cell phone providers” and I said “well I ported my # from t-mobile to Verizon” and she says “yeah that very well could have been it.” I said “ok well how do I get my account re-opened?” And she says…..”oh you can’t it’s just closed.” I said “forever?” She says “possibly. We don’t know how long it will keep you from re-opening.” 🤯🤯🤯🤯 seriously?!? We aren’t talking about an instance of fraud here. I literally changed cell providers. This is asinine!!! That makes zero sense!!! With policies like this, I guess I am grateful that they closed my account.

It does not work. After downloading the app and set it up I was unable to use Zelle with the incorporated account in my another bank. Then the bank deleted my email that was creating incompatibility. After that the Zelle app never worked again. First gave me the error: “log in error, please review your credentials and try again”. I changed the password so many times and never worked. Called Zelle support and the first line of service I believe are abroad, no kindness, no customer service driven, yet talk rude, I felt I was bothering them by calling. The second line of service is better but did not solve the problem. They blamed on my iOS version, my WiFi connection, my cellphone provider. They made me delete, download the app and reset my phone more times that I can remember. The last straw was when they try to blame in the bank from which I am using the debit card, since it is the same bank I work I figured they were just guessing and they did not know what is wrong with the app. I requested to have another line of support and they simply said that there was no solution for me. Very bad experience and very poor customer service.

Debit cards are not supported. I have a couple different debit cards and needed to get this app for an emergency money transfer from someone who only had this app and didn’t know how to use other apps so I said ok I’ll just get Zelle and that will be that..I thought. Then the simplest and easiest part of signing up for any cash transfer app (connecting to your checking account) was impossible. So I figured I’d use my secondary checking account only to be stiff armed, “invalid debit card” ok so then maybe it would be better if you had a list of banks that are compatible since my MasterCard AND my visa debit were both invalid. I’m so sick of everything becoming so complicated. Going back to Venmo which hasn’t given me a single issue. Zelle- take notes from other cash transfer apps, yours is unusable and seems like with all the endless 1 Star (probably more like 0 Star) reviews with frustrated users who are probably competent enough to do anything else that can be done on any app, that means the problem is on your end. I hope (and suggest!) that you hire some tech professionals who can configure your app to be more user friendly, or functional would be good too!

Dual SIM doesn’t work when one is international.. I have my international SIM and my US SIM on my iPhone with the eSim functionality. Life is easy without having to carry two phones but Zelle forbids me from logging in. Upon asking the representatives, they say that only when I have the US SIM being the only card in the phone can I log in to my account. This is inconvenient as I have to disable my international SIM and reboot every time I want to send my friends some money. I hope in future versions, they fix this issue. In principle, I think that as long as you are using the correct phone number on your phone, you should be able to log in, regardless of the existence of a second SIM card on your phone. The fact that the app thinks I am not using my US SIM is just ridiculous. I was literally using that number, not to mention that I use cellular data only on my US SIM. I have my international SIM card’s data turned off 100% of the time.

What gives???. I have been using Zelle for 4 or 5 years now. I always loved it, but in the last year or so it had become increasingly more difficult. My bank doesn’t offer it, so I have to use the app. I regularly transfer between another account in a different bank. It has become sooo slooooow. The. Today I went into the app to transfer to the other bank and was told there were security updates and I must update the app. It wouldn’t let me do anything until I clicked the “update app” button, which brought me here. When I click the open button it brings me back to the Zelle app, which brings me back to the “update app” button, which brings me back here to the open button.. you get it? This needs to be addressed. I have turned my phone completely off and on, I loaded and reloaded the app… something’s wrong. I’m becoming very disenchanted with the app in the last 8 months or so.

Unable to authenticate. For reasons unknown they can’t authenticate my account I believe is because I switched carriers and my information is not fully linked with my new carrier or new bank or whatever. I used it through a bank in the past but the app itself is complicated and the support picks up the phone quick but they can’t actually do anything. If the app denies accessibility because it can’t authenticate your information the support team can’t identify which information is incorrect Or even look into further. Once you get that error it’s over apparently my thing is it’s wrong! I had the same information for a long period of time my address on file, number, email are all the same with my bank and carrier it makes no sense at all! The fact that they can’t even refresh the process or have anyone who can do a deep investigation on the problem is beyond me. What billion dollar app is in complete control of itself? Maybe the support specialist I talked to was misinformed that’s always a possibility. Looking on google it seems maybe even my carrier (spectrum mobile) and/ or my credit union is the reason for this but I wouldn’t know because they don’t have that information.

Unable to verify password. When you make an app that directly links a user's DEBIT CARD to their account (with no other options or protections provided), you'd better make sure it's operational, but instead we have this. About a week ago, I got a 3:45AM text from Zelle for an automatic transfer (no one was sending me money that early in the morning). I went to change notification settings -- only to discover that I needed my password to turn off their text messaging. That's when I realized I had forgotten my password. At the time I couldn't find any place on their app to reset it, and because I have an outside bank, I don't have access to a web account. I did try "forgot password?" on the Zelle portal but never received an email. This didn't lock me out of my account; I just couldn't make any account changes. Fast forward to today -- the app has logged me out (possibly due to an update?), and while it does now give me a "forgot password" option, after resetting it, I get the error message "unable to verify password." I even wrote it down to make sure I re-entered it correctly, but no luck. And that's where I am stuck -- completely locked out of my account. I am beyond frustrated. I use this to get money transfers from family, and I never had a single issue with clearxchange. Now with this forced switchover to Zelle, I can't do even the simplest task. Either fix the app or give us a website, because right now this is absolutely useless.

Simple and works well, could use work to be more user friendly. I love how quickly the money gets to my bank account, with no added effort on my part, that is really the best part about using zelle. However, the app is almost too basic it can cause some problems too. The transaction history really needs DATES, not just 1 day ago, or 10 months ago. Sometimes you have to look back for bookkeeping purposes and it’s frustrating to find any given transaction. Also, if the memos were able to be transferred to the bank too, that would be awesome and solve a lot of bookkeeping issues, though I’m not sure if that’s even possible and may depend on the bank anyway. Please add transaction dates!!! 🙏🙏🙏🙏 Also, it is frustrating to me that I can’t switch accounts without loosing my transaction history. It forces me to only use zelle with one of my accounts and not be able to use it for any other account because I need to be able to access that history. This could easily be more user friendly and expansive.

Sketchy. Ten days ago a friend sent me a payment via Zelle from their bank. I didn’t have the Zelle app and my bank wasn’t listed on their site, so I downloaded the app and followed the steps listed on their site to receive my funds. The app froze twice as I was trying to register. In most cases this would be a warning flag to me that something was sketchy - for an app to freeze up after I’ve provided my debut info and password. On the third try it took. I waited for the payment being sent to me to show up on the activity tab. Two days and nothing, so I call. I’m told the money will go through to my bank in two to three days. The customer support guy made no effort to look up the transaction, my account, or explain anything at all other than to say it will happen. A week after receiving the payment text from my friend I still hadn’t received the funds and nothing showed on my activity screen of the app. Yet the app has my phone number, emails, and debit card info correct. Again, sketchy. If not for the reviews and apparent fact that many banks utilize this app, I’d delete it and put in an alert with my bank. Now, ten days since this initiated, I’ve yet to receive my money or hear back from Zelle in response to my email from four days ago.

The JOYS of money!. To be honest I was a little skeptic about it, then once I downloaded it and played around with it, I knew I was going to be using this FOREVER! No waiting for the weekend to be over to receive your money, no 5-7 business days on waiting either for your money to be sent over, no hassle on asking if anyone or I have received the money. This app literally allows the money being sent over to go straight into your card with no holds, no fees, no hassle at all. Me, my family and friends use this app all the time when one has forgotten money or their wallets- LOL! I can say that using this app really is a life saver. Only, ONE bad thing I do have to say is that you can’t send others money unless you have their correct mobile phone numbers. I’ve tried to see if I can add people through my contacts but it only allows to input numbers, like literally I gotta grab a pen and paper to write down peoples numbers because once you input a number or an incorrect phone number it’s a good bye to whoever you’re sending money too. So make sure the number you’re sending money to is ALWAYS CORRECT! I hope that they do update this app and allow us to add friends on here.

Zelle’s Niche is your bank.. Zelle would be the perfect digital checkbook, if they could convince banks to treat them like a separate, trusted app. Instead, most of the time it gets reduced to a crappy widget hidden in online banking apps. If you’re the typical Zelle customer, Zelle has the ability to instantly add money to your traditional bank account as soon as you get paid. No more bogus 2-business-day transfers or 1% transfer fees. In a world where everyone keeps a bank account that uses Zelle, Zelle would be perfect. Your checks, debit card, savings account, and ATM access would be joined by a powerful, simple mobile app that allows you to pay someone using your bank without having an external balance (which is the case for Venmo, Apple Cash, Google Pay, PayPal, and so many others). This is Zelle’s leg up on the competition. Unfortunately, Zelle’s features themselves typically are only available through the mobile banking app that your bank offers, leaving it subject to frequent log-outs and wonky security barriers that the average user isn’t able to deal with in casual situations. This makes asking people to “pay me with Zelle” in the moment a non-option and largely defeats the purpose of the app.

Customer service is terrible. I’ve have used Zelle for a while now but needed to connect Zelle to my husband’s bank account for his business so we set up another account with Zelle under my spouses name since we needed Zelle to connect to his account. We used a different phone number and everything was different since it was my souses account for his business. We both had the flu and expected setting Zelle up for my husband would be a breeze. My husband also suffers from an extreme disability so I handle his finances for his business. The app kept failing and the customer service tech treated me very rudely and even asked my husband questions about his “public record” and then was able to unlock his account with him... and why it was locked at all is still crazy. We were told to wait at least 30 minutes to try to access the app again. We waited until the next morning because we already wasted so much time with customer support. When we tried to access the app again.... we logged on and it kicked us out saying we were permanently locked out and to again reach out to customer support. Horrible app. Horrible customer service.

I don’t recommend this app. If I could give negative stars, I would. I had an account with zelle and it worked fine but once I got a new phone number and new debit card I called customer service and deactivated it to make a whole new account with my new information. Now Ive been trying to make a new account for 2 weeks but every time I try all it says is “uh oh something went wrong” EVERY single time. I called customer service they said to call my bank, I called my bank and they said that they are receiving the zelle account request and reassured me that it is not on their end because everything is being accepted and going through, through my bank. I called zelle customer service again and they have no idea what the problem is I keep getting told to wait 24hrs and try again but I have done that for 2 weeks already so they said there is nothing else they can do. Zelle is the only way I’m receiving money right now throughout the pandemic, this is very very frustrating and disappointing if someone can help me, that would be nice.

Error fixed promptly. Someone had sent me some $$ so I had to set up this app. So when I went to set up the app it gave an error because my bank is not high profile so I just called them ...they asked some questions and they fixed error in a very efficient and timely manner. Very polite and though I know it takes a little time to see what was wrong, patient would be the word I would use for folks who don’t have any. I read a review that seemed quit completely incorrect in facts. In review a lot of business and it is important to support business. When there is a problem we should be respectful to the process as people are not machines but performing a service as protocol and process evolves. I have reviewed business with low stars to help them positively and respectfully that they can make the adjustments needed to customers satisfaction and resolve any further conflicts or concerns. Thank you ZELLE for being very professional and communication with tech department was outstanding.

Worked one until it didn’t!. For a while (maybe a year) Zelle had been working perfectly! The people I worked for would text me that they had sent money, I would receive the notification from zelle, and there it was! IN MY ACCOUNT, IMMEDIATELY. The past couple of weeks as been an entirely different story. I’ve had people tell me they’ve sent me money multiple times to receive nothing, I have pending transactions for clients trying to pay me and they’re telling me that zelle isn’t going to let it go through for a few days. Your convenience is quickly becoming an inconvenience to myself and my clients. I depend on my money to purchase supplies for the next job and now I have to wait for meager funds to arrive multiple days later, when I could have just taken a check to the bank and had money THAT day. This is the only reason I use your service and will not continue to use you if this is going to be the new standard. And YES I have registered both my phone and email through zelle, despite what their useless phone recording poorly suggests. Being annoyed with an app is one thing, but don’t screw around with people’s livelihoods.

CUSTOMER SUPPORT IS TERRIBLE!!! THEY DON’T RESOLVE PROBLEMS!!!!. I received an email saying that “we noticed that a different name was used to re-enroll with Zelle which doesn’t match with what you previously used to enroll with Zelle”. I have not used Zelle in months and honestly do not like the app at all as I use cashapp and PayPal. I tried in the past to delete the account, but it wouldn’t let me. I called customer service and was not given a name of the agent. He was rude and completely disregarded my issues by pushing me to keep the account open. I told him several times that I am worried about my identity as my email is being used on an account that I did not create and in the email it said I “re-enrolled” even though I did not do such thing. He kept saying that my email was unlinked and I could relink it. After pretty much having to get quite aggressive with this man for not helping me at all, I hung up. They do not care about helping you. My email, which is used on my bank accounts, my many bills, and other subscriptions is being used on a Zelle account I did not create. I am extremely upset about the outcome and hope no one uses Zelle in the future or god forbid have any problems with it as they are not of help.

The invisible Zelle untouchable non communicating entity. I used to Zelle for quite a while with my online banking, paid bills received money everything was fine until I would check safety with my people by sending a dollar to see if it would go through and it did and I would send the rest of the amount ...that was my safe way of making sure I was sending the money correctly,,, lo and behold Zelle thought that I was causing some kind of fraudulent activity or activity was being fraudulent in my account therefore they shut me down causing much embarrassment and mistrust amongst the people I was doing business with..there was no way that I could call Zell or communicate with them I tried and finally found a number on Google I tried to contact Zelle through Google got a scam company they tried to steal my account Zelle shut me down my bank shut me down I’m 1200 miles away from home have been for months and I have no idea what’s going on in my bank in my hometown so I had to open another account in the area that I was staying and it has been a very big inconvenience in my life .....thank you Zelle

To many App & security issues Uninstalled App. Tried to add my credit union, then tried adding my bank and kept getting error. Customer support only emailed a message that they received my request for help. Well that was Uber helpful. Thanks. Then when using the app recently, it asks for my CVV but I didn’t know which card so I chose I don’t have my card on me so it wanted me to re-enroll. I closed the app and had to login again so I tried one to many of the various cc’s cvv’s of which I wasn’t given a hint which one or bank to use. Now I’m locked out and yes it’s saying re-enroll or call support. Re-enrollment deletes all the information and transactions to you and from you. Your money is…proof lost. Called support because now I’m locked out of my account and am told to re-enroll because they aren’t responsible if I no longer have my old card with the CVV. What’s the purpose of app tech support if not to recognize and fix glitches instead of redirecting you to re-enroll. No thanks, I like to choose the time I waste.

Suddenly decided I was not eligible.. I am a nanny for a family who’s parents live in another state and I watch the children when they’re in town, and this is how I got paid. It was working just fine I got my payment with no problem. I use a bank that they don’t have a partnership with but it worked just fine if I just put in my card number. So the mother tried to pay me again today and said the transaction could not be processed, so I check my account and it says there’s suspicious activity related to my phone number. Which is bull because when I called that was not the problem at all. So I wait on hold for maybe 20 minutes and the woman who answered was very nice but she checked out my account and said “I was no longer eligible.” My account was just working fine when the last payment came through 2 weeks ago so you can imagine my confusion. So I asked and she said I am no longer eligible for the stand alone app and basically that there was nothing I can do. She said “so you can go ahead and delete the app” like it was a good thing. If you’re going to offer accounts to those who don’t have a partnership, don’t randomly go through and decide who is and is not eligible.

Don’t bother with this app. This company is a joke! The process for migrating from ClearXchange to Zelle is beyond atrocious. A bunch of 6 year olds could do it better, but that’s the banking industry for ya! On the phone for almost 2 hours only to find out there’s no way to continue to receive company payments with ClearXchange - despite the ClearXchange FAQ’s stating to call customer support if you’re concerned about this. Because... surprise, customer service is now Zelle and can’t do anything for you under ClearXchange. Then why do you have it in the FAQ’s to call?! And the “201” error I kept getting when trying to use the Zelle app is because I’m “no longer qualified to use Zelle.” That really had to be escalated to a Level 2 tech?? What a waste of time! It took nearly an hour to get that answer. Also, it’s fine if you’re going to outsource your call center, but for the love of god please ensure those answering the calls have a firm grasp on the English language. My time on the phone could’ve been greatly minimized had the men who answered my calls been able understand my issue instead of being so confused and going in circles giving me the same canned answer every time. Never again.

Most Pathetic Customer Service. I recently had to speak to Zelle Level 2 support because apparently changing my network carrier (even without changing phone numbers or devices) causes problems with the way Zelle works. I started receiving some A410 error while trying to login. On a quick Google, I found one option to delete and reinstall the app. While that got around the problem of login issues, the app wouldn’t allow me to register my debit card. The level 2 support guy (Lewis) said it was a bank problem!! Even after explaining that it was the same card I was using earlier and that when I had a similar problem earlier, it was fixed by Zelle and not the bank. He literally told me to use alternate banks or go use another app - saying I was free to use alternate apps. For one, I cannot imagine this is an uncommon issue of switching carriers. The fact that I have to call in level 2 support for such an issue is pathetic. And then the support person had the audacity to simply tell me to switch by banking provider or go use another app just tells me they don’t really care. I am done with Zelle for life unless it’s integrated with my bank and that’s the only choice I have.

Accessing password and changing is apparently a hard task to do. Before I initiate this review, I will state that my incident occurred 2 weeks ago. Any who, awhile back I wanted to access my account and renew the password since I did had an incident where I tried to sent a decent amount of cash to a family member and the Zelle app requested my current password. Since I had no previous recollection of my password, I had to discontinue using the Zelle app. This, I figured I could just request a change of password. Lo and behold, changing the password for Zelle was not an easy task as believed it would be. The Zelle app didn’t signify any method to request a forgotten password, their website is unhelpful, and my last resort was calling in to customer support. No method helped achieved the simple task of changing task, even after I had told the second customer service agent that I am willing to provide identification to who I am and signify that I am the owner of the Zelle account. At this point, I’m not interested in using the Zelle app any longer and will advice other Zelle users to instead used other payment methods or services.

Great idea, poor execution. So the idea is simple enough, but there are some flaws in the app, the biggest being that, when a payment fails (and you receive an error message), your activity feed still shows as payment sent! Your payment didn’t send. Payment sent! Seriously. Customer service was rough. I completed the form online, and 2 days later I received and email saying to call customer service. So I did. I navigated my way through a wonky “press 2 for...” style menu, and after 2 circular rounds, I sat waiting for 18 minutes. Once the rep answered, we went through 3 rounds of her going silent. She could hear everything I was saying, but I couldn’t hear her. And then after 30 seconds she’d come back, until she didn’t around minute 23. She also opined that a slow app load was likely related to the same network problems they were clearly having with their phones. Only problem...the app always seems to load slow and take longer to log me in. I think PayPal is smoother, provides faster and more comprehensive service, and provides me better records and accuracy. Fix the kinks, align payment/send/activity, and there’s potential to bump up the rating.

Poor customer service. If I could give this app zero stars, I would. I received a new cell phone # (all other information is the same—same address, same phone , same bank information, etc) and because I have a new cell, it will not allow me to use Zelle or update my information. I have called customer service all week and no luck and the last representative that I spoke to was rude (kept cutting me off when I was talking and was rushing me off the phone). I asked to speak to a supervisor and she refused to let me speak to them. When she was verifying my information, she asked questions that “their” system generated instead of questions that I provided answers to. Example: she asked , “What color is your car? Blue, white, or yellow?” (Answer: neither because I have ALWAYS purchased brand new cars that were either silver or grey so it’s not like I purchased used cars that had paint jobs; she also asked , “Which individual from this list do you know? Brandy Locke , Steve Smith or Paul Tyson?” I answered : I don’t know any of those people. Her response , well these are the questions that our system generates based on the names of the individuals that are near your address. I asked to speak to a supervisor and that’s when she began cutting me off, rushing me off the phone and was being rude). I will never use Zelle again and I’m sharing my review with al my friends and family who use Zelle.

Do NOT install... 0 STARS if I had that option!. Coming from a very honest and educated person do yourself a favor and do NOT use Zelle. I have been on hold multiple hours due to technical issues on their end which has not allowed me to receive any payments. My account is in “limbo” as the representative stated and needs to be deactivated however I cannot deactivate it as it is something they do on their end. I have been promised multiple times to receive a call backs from management, customer support, and technical support, I have yet to receive any calls from anyone. They guaranteed deactivation within 48 hours and my account is still showing active. The company I subcontract for has done multiple cancellations as Zelle requested and sent new payments and I still cannot receive payments because of a technical issue on their end. Please do yourself a favor find another outfit to send and receive payments unless you don’t mind terrible customer service, long hours on hold to speak to a representative (if you’re lucky to get through), dishonest promises for call backs and errors on Zelle’s end with accounts they can’t seem to deactivate along with your money and account being in “limbo.” If you don’t mind that then this app might be for you.

Poor quality password setup. Went to create a password; saw list of requirements. Created a strong, 100-character password in 1Password. Pasted it in; got all green checkmarks. Great! Hit “Done;” got “Invalid password,” with NO EXPLANATION. 1. It’s 2021; there is literally no excuse for not giving users *complete* information on *all* password requirements *at the start.* AMC (the movie theater) has been able to do it since 2013; you should be able to do it. 2. It’s 2021; error messages that don’t tell users how to fix the error are simply amateurish. 3. It’s 2021; passwords of *any length* should be acceptable (because I’m betting the issue is that you hid a length requirement there and that’s why it’s being rejected; either that, or there are ASCII special characters that you can’t handle, even though, again, decent systems have been able to handle any combo of characters for years now - and don’t try to use the, “oh, we’re trying to prevent injection attacks” thing, because again, a decent system can recognize those and block them). Do better. EDIT: Indeed - when I updated the length from 100 char to 64 char, your system accepted it without issue. For the love of God, why did you decide to hide this requirement from users??? Have I mentioned it’s 2021 and anyone who knows anything about good design practice has known to do this for years??

Nothing but problems. Zelle is apparently not compatible with iPhone 14 pro. They think I am using VoIP or a second number through an app and cannot perform maintenance on my account because I am supposedly using VoIP. I am not using VoIP I just have a new iPhone 14 pro! Zelle has no idea that iPhone 14 pro uses ESIM which is similar to VoIP! They were literally ZERO help and had ZERO knowledge of the issue or what could be causing it. My money is stuck in their system tied to my phone number for days now with ZERO help other than “sorry, there’s nothing we can do, your using VoIP”. This was discovered after three phone calls over multiple days with them and on the previous phone call I was locked out until the next day due to their system generated verification questions which had nothing to do with my life and I failed these bogus questions! After the conversation I spoke with my father about the questions and “possible known associates” from their generated questions and my father knew all those people yet I was locked out of customer service for failing the verification! It had to be those questions because the only other one was the color of my car and my address! I know I answered those correct! Don’t use Zelle and if you do don’t be surprised if you get ZERO help with any issue or concern, and if you do get help it will probably be the wrong answer or guesswork leading to nowhere except “sorry, there’s nothing we can do”! ZERO STARS FOR TAKING MY MONEY HOSTAGE!

Zelle works great!. I am going to tell you I use Zelle a lot. It is instant and it is free. I am only giving this a 1 star because I wrote a 3 star in the past and it got NO attention by the company. However, I want to see which bank I have attached to my email, phone number, etc. I have a local bank because there are just some things you can’t do online, yet. I also have a credit union that I use for their higher interest rates. I have yet another bank that deals quite a bit with stocks and crypto and can’t keep up with which bank uses: my email, phone number, etc. I just ask there could be a list somewhere within the app or an easier way to check/update this within the zelle program within the banking apps. This “list” is really the only reason I have give this a 1 star and when this is updated, I will absolutely be changing this to a 5 star. The app is great. Please don’t keep from using this app because of this one rating. If you only use one institution or only use to pay a buddy to split a food bill at a restaurant, this app is amazing. It just needs an update with which institution on the app is attached to which phone, email, etc.

Worst financial app I’ve ever used. You have to go through a ton of hoops to get it set up, and when there is a roadblock, nothing in the app explains how to fix it, or even tells you that there is a problem. You literally just keep checking back to see if the money hits, and when you’ve gone the 14 day waiting period and nothing happens, you have to try and figure out why yourself. When you call customer service the automated service hangs up on you when you dial 0, and there is absolutely no way to talk to a human unless you can figure out the magic sequence of numbers to dial, whether it pertains to your situation or not. If you somehow magically get through, half the time the rep tells you to talk to your bank, the other half of the time their English is so broken that you have to hang up and dial again to try and get a different rep. If the app is finally set up and “working” half the actions you try and make in the app fail with only the “try again” message. Absolutely no reason why anyone would ever use this app instead of Venmo, PayPal, or any other of the plethora of options that exist.

I have never had so many problems using an app in my life. It takes a lot to get me to write an app review-I think this is the first one I’ve ever written. Zelle is legitimately the most annoying app I’ve ever used. Every single step of the way, it felt like the app was trying to prevent me from using it. First, odds are you’re going to have to open an entirely different checking account to use the app at all, since it is compatible with so few banks. Want to pay someone? Better not need to pay them more than $500, because Zelle just isn’t prepared to give you that kind of power. Want to request money from someone? Great, they’ll have the privilege of paying you in 2-4 days. I’ve had to wire transfer my rent to my landlord for the past 3 months because every time I go to pay him with Zelle, some new nonsense comes up to prevent me from doing so. Now, I’m going to pay him this month’s rent in 4 installments because of this payment limit, which “might increase,” in their words, by establishing a payment history. Something tells me that won’t happen. I am absolutely baffled at how this app has become successful.

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Doesn’t work on iPhone SE 2. I can’t update my account card information on my iPhone SE 2, because the “Continue” button disappears. Apparently the Zelle developers don’t support the screen size/resolution/aspect ratio of an iPhone SE 2. There is also no app support for Landscape Mode, so I can’t turn my phone sideways to make the Continue button visible. I also can’t update my info on my husband’s phone if he logs in with my account info, because my Zelle account is tied to my SIM card. Customer service said that temporarily switching SIM cards with my husband’s phone might trigger a security issue, so I shouldn’t do that. They also can’t update my card info, even after fully authenticating my account. I can’t update my card info on their website or with a tablet, because those interfaces aren’t supported (the device must have a SIM card for security). Customer service recommended that I buy a new phone in order to see the Continue button. Nobody with an iPhone SE 2 can use the Zelle app. Ugh!

Terrible customer service. My phone broke & I got a new phone number, I was able to deactivate the account I made with my old phone number, but wasn’t able to create a new account with my new number. The lady I spoke to from Zelle was extremely snappy & rude, while saying polite words like “thank you for your patience” that she’s probably forced to say from a script. I told her I don’t have good data, she kept telling me to start a new account I have to be off of WiFi? Which was never the case before. She wasn’t good at explaining anything, because she was too busy snapping at me whenever I had a question.. I think it’s silly that I’m unable to create a new Zelle account with my new phone number because I can’t use data... when I’m 99% sure I didn’t use data to create my original one.

No support, can’t get my money. This is one of the worst apps and services I have ever run into in Fintech. My work sent me a big expense reimbursement with this service (without telling me!) and I cant access it since neither of my banks are supported (I have US bank two accounts). Furthermore, there is no desktop site support and horrible phone support, but I tried to enroll through the iPhone app as was suggested. When I signed up through the app it wouldn’t let me input my own password.. I had to use some iPhone keychain pass which my phone immediately swallowed and lost, so I don’t even know the password to my account. I tried to use lastpass but the Apple keychain thing kept overriding Lastpass. Finally, even after fooling around with it for a full hour and enrolling with my work email, still my money is nowhere to be found. The epitome of a faceless tech startup with terrible UX and zero integration. Just use Venmo.

AWFUL!! Use anything else!. If the person’s bank you are sending money to does not use this service, then DO NOT SEND ANY MONEY using this service. It will reject your sign up, and your money will be lost for 14 days! Use PayPal! Withdraw cash! Write a paper check! Anything else! My roommate’s bank uses this service to transfer money. He sent me his share of rent using it. My bank doesn’t use this service so I had to download the app. It is a NIGHTMARE to sign up! I put in my debit card information. It rejected it, and locked the account. I called tech support and had them unlock it. Double checked all my information and tried again. Nope! Rejected it and locked the account. I called tech support again. They unlocked it, and told me to try again with WiFi off using my mobile data only. Nope! Rejected it and locked the account again. Now I have to spend more time with tech support, and/or wait 14 days for the money to go back to my roommate’s bank account.

Works Great, HOWEVER…. The app itself works great. I’ve had a couple issues with it, but they were mostly caused by external factors such as the banking institution associated with the card or account I’m using. Sending money is easy and I don’t use any other app unless I have to. The hugest drawback is that for whatever reason, the app takes absolutely forever to open. And I don’t mean 15 seconds compared to a usually instantaneous loading time. I understand that for security reasons, you have to login every time you want to use the app. I mean that every time I need to send money to someone, I need to leave my phone face-up for two whole minutes, sometimes MORE, just to get into the app. It’s absolutely ridiculous and heavily discouraged me from using an otherwise outstanding service. I’d be using it twice as much if it wasn’t like pulling teeth just to get the app open.

Intermittent issues.. When this app works it’s very convenient. Most of the time it fails to work especially in the evening hours. It’s possible some of these issues are due to security controls by my bank or Zelle but that’s hard to figure out. I highly recommend having a backup app of some kind so when this app fails with its error codes you can still transfer funds through a more reliable source. It would help if Zelle would explain issues and problems fixes so we could understand why the app fails. I’ve tried contacting their technical support through the app about error (A101) and never heard back for therm. A list of what the error codes are and why sure would help. Unfortunately there’s not much support information from Zelle in their app. I hope Zelle can work out these issues or at the least communicate why there’s issues.

No password or Face ID required to login into the account.. I use Zelle on my bank and never had an issue with it up until my cousin send me money through it which I don’t have him add on my bank account, days went by and I receive an email saying that I have pending money incoming and that I needed to add my email. I found that weird since my email and phone number are added to my bank account witch is link with Zelle. So I decided to download the Zelle app, fill everything got the money and everything good, until now that I log back into the account, to my surprise IT DIDNT ASKED ME FOR PASSWORD OR OPENED WITH FACE ID. NOTHING. Just by having my phone number in there and hit get started. And automatically is logged in with full access to my money, both savings and checking accounts. At first I couldn’t believe it so I try multiple times and yes. Never asked me for nothing. Just hit GET STARTED under my phone number and there was full access to whoever wanted to take my money out of my accounts. All of it. FYI I deleted the app immediately

Poor Customer Service. I recently had to download Zelle to complete a payment, for my first transaction the funds were taken out of my bank account but never received by the person I was sending funds to. I tried emailing customer service only to get an automated response to call in, why have the option to submit a customer service ticket as an email only to get an automated response that you have to call in. Upon calling customer service they said this was normal and that they saw the funds were being processed by the person’s bank and for some reason the funds weren’t being accepted. Zelle said if their bank didn’t accept the funds within several weeks the money would get sent back to my bank. It’s been over a month and I haven’t received any funds back and the person I was sending payment to never received the funds either so I was forced to send them money through another app which thankfully worked without hassle.

Can’t use the app. I’ve used Zelle for a while through my bank’s app. Unfortunately the process is a bit lengthy and inefficient. I only use it to pay my barber. When I send/receive money from friends I use Venmo. I’ve heard good things about Zelle’s security and wanted to lean in to using that more often instead of Venmo. Unfortunately after downloading the app, I tried to get things set up and discovered that there’s no way to use the app if you already use Zelle through your bank. My attempt to streamline the process of sending money was a bust. I realize it can seem redundant to some. But the Venmo app is incredibly easy and user friendly and I was hoping Zelle would do the same without making me click through tons of screens like I currently have to with my bank. I was hoping for the added security, but I guess I’ll stick to Venmo as my primary money transferring app.

Pointless, NOT worth downloading!!. So to set it straight the platform of zelle does actually work as advertised.....BUT the app itself is pointless. You’re better off using your own bank mobile app (if you have the option) however keep in mind “you can only use one set of credentials” per the “2nd tier customer service of their toll free number” meaning if you use your mobile app to register with zelle using your cell phone and/or email you can NEVER use it again if you change banks or have more than one you need to have a total new number and email to be able to use zelle and if you think you can just use the zelle app to change your preference of banks or unregistering your number and email WRONG! Your account will get locked and it can never be unlocked again per their “2nd tier customer service”. So be mindful and just use your bank app the zelle app itself is only useful if your bank does not offer the option of registering to zelle through them.

Worst customer service by FAR!. By god I hope that you never get or have the need to contact these unprofessional customer services people. Recently I had an issue with the Zelle app that never happened before and could not approve my transfer as usual. Called customer service and the guy kept repeating the same thing over and over. My transfers are managed through the Zelle app and it’s system to connect the banks to make the transfers. After I told him what my issue was, he asked me to hold while he “looked” for the issue when he actually placed the phone down and started have in a conversation with 2 other reps about plans for later today. I understand Hindi quite well and I do not appreciate being placed on hold for 20 minutes to finally pick up the phone and repeat what he said and the beginning of the conversation. On the meantime, my money is gone in Zelle limbo and no one knows how I will get it back.

Terrible app - doesn’t load half the time and receiving money is broken. First of all, the app just simply won’t log in because of an error half the time. Secondly and more important, the receiving money function is broken. I used my banks card to sign up and sent money. It crashed during the process three times but it eventually sent. I then received money but it didn’t deposit to my bank after a week. I call zelle support and they are saying my bank is a participating member and I can’t use my card to receive money and these payments to me have been blocked. My normal banking app has no info on how to sign up for zelle and customer support at my bank has no idea what I’m talking about. I’ve already used the zelle app to send money ffs. I’m using this to receive money for my business and in the zelle app, I can’t even see who sent me these payments because there is no sender info. God, what a terrible payment app. I would give negative stars if I could.

Garbage, absolute garbage!. The first time someone transferred money to me using Zelle, it took days. When we called customer service the customer service rep was rude and incredibly unhelpful and actually told me “It looks like the money was sent to you but I have no idea where it is but you should give it a few days”. Shocked I said “Soooo, you’re telling me that someone sent me a couple of thousand dollars using your service but you have no idea where that money is right now?” She confirmed that that was the case and then hung up on me. Today I tried to use Zelle to transfer money to someone (only a couple of grand) and the app sent a message that the amount exceeded the weekly limit that I was allowed to send. Seriously? An app that is supposed to be a great way to transfer funds and they limit the amount of my money that I can transfer? And of course they don’t tell you what this limit is. The whole thing is just incredibly frustrating. If I could give this piece of garbage service negative stars I would. Horrible all the way around!

Trash, unnecessary, won’t give me my money.. A friend sent me $1k more than a week ago. She has a record of it. I have a record of it. There’s no customer service rep to get on the phone to find out where it is. Just got the runaround punching in numbers on their phone line, forwarded to their website where I also can’t speak to a person. Was finally told via email 3 days after reporting the money missing to Zelle to call my own bank. My bank can also see the Zelle transaction but can’t figure out how to put the money in my account. I spent 30 minutes on the phone to “open a claim” with my bank that will take “10 to 45 business days to resolve”. In the meantime both me and the sender don’t have my money. No one asked for or needed this app to plug into our banks to transfer money. I would guess their plan is to hold onto it as long as they feel like to what? Gain interest on it? Rack up overdraft fees for people who need their money while it’s just floating in cyberspace with a 3rd party somewhere? Kick rocks, Zelle. No one likes you.

log in error?. I’m a big fan of zelle since its already installed within my mobile banking app , its very quick and easy to transfer/receive funds by simply entering the person’s number or email address (if they have zelle) Lately, Zelle has been emailing me a notice stating that I need to link my bank account by June 12 if not My zelle will be disabled! The first time I received the email I quickly took action and tried to log in thru my zelle app but unfortunately since i never use it (since its already installed within my bank app) I totally forgot my password. The option does give you an option to click forgot password, which I did a few time but it kept saying “error”... I even updated and re-installed the app but it’s still not allowing me to retrieve my password. Today is the 12th of june and I’m not sure what exactly will happen! Very disappointed right now.

I WOULD NOT RECOMMEND THIS APP TO ANYBODY LOOKING FOR A CONVENIENT WAY TO SEND/RECEIVE MONEY. I was sent a rather large sum of money through this app and while setting up a profile you can either link a bank that partners with them or you need to use a VISA DEBIT card from a bank inside the US. As I do not bank with one of their partners, I attempted to use my visa debit card that I received from a bank within the US. After many attempts, each failing, I called the support line where I am told that unfortunately for whatever reason, there is nothing that they can do to set up an account for me, and that there is no possible way for me to retrieve the money that was sent to me. Now the sender has to jump through a ton of hoops with the bank to make sure that payment is cancelled. In my opinion, this app has turned out to be a much bigger pain in the neck than it should be, especially since the purpose of an app like this is to provide a CONVENIENT way for people to send money.

OMG why did I ever agree to this. Take my advice -trust me - don’t walk , run from this service right now - they aren’t ready for prime time - I have spent literally about 2 hours on the phone over 2 days trying to get money sent to me multiple times - they can’t even get my account to register , I jumped through every hoop they asked me to and still nothing. It’s mind boggling that they coerced everyone into this without having it up and running properly. Each tech support person has me try different things and nothing works . They deactivated my account and requested I start over - now I can’t even register and they don’t know why. The ratings above are pretty clear that they have a problem. And if u have 2 different bank accounts u would like to use (say a personal and a business) forget it - it can’t be done - one cell number means only one account - because (per Zelle rep) they wouldn’t know what account to put the money in. I have one word - FAIL. Now I have to figure out how to not become delinquent on a mortgage payment.

Problems on and on. I as able to receive money a couple of times. Transactions take a very long time if they take at all. I tried to pay, or send money four times and only one time it went through. I will definitely delete this app. PayPal is the best way to do transactions. Update: I was able to send money. The recipient did not have her phone confirmed. The app continues to have a 1 star rating because I did not receive an email stating the reason the transaction did not go through. I have to investigate on my own. The recipient had no idea why she was able to get paid only some times. She would give payers sometimes her email and some times her, non confirmed phone number. People with only her email would pay no problem; however, people with just her phone number would try to send, payer, and recipient could not figure out why the transaction did not go through, it just wouldn’t. People would sit there and wait for minutes or even hours hoping the transaction would take place.

Avoid This App At All Costs!!!. I just want to start this by saying I NEVER review apps. But I couldn’t resist. Zelle is awful. God forbid your debit card was lost/stolen. You are just S.O.L. My debit card was stolen. I got a new one and tried to log in to Zelle to replace the old card info with the new. The app stated that I was “locked out and needed to contact support”. This is where the nightmare began. After 2 FULL DAYS of repeatedly calling support and staying on the call well over an hour each time, I finally got an answer. They told me the only way to gain access into my account and replace the old card was to give them the last 4 digits of the old card and the CVV on the back. HOW CAN I GIVE YOU THAT WHEN THE CARD IS STOLEN. Why do you not have measures in place for your users to easily replace cards within the app?! I was then told that I am no longer eligible to use Zelle because I couldn’t give them that information. Beware guys. They haven’t acquired this many complaints for no reason.

Too good to be true. To begin with this app was easy and quick. I loved using it and got my money the moment it was sent to me. However, I have had multiple issues. First, my payments would not go through and I was told it was because of the person who sent it, but their bank said it was the app. Then, I was receiving and error 304 message and when I called, I was on hold for over and hour and bounced around just to be told “try back in a few days, it should work then.”. So I did, and I was still getting the same message. I tried deleting it and re-downloading, but still received the same message. Now, I am blocked. I tried calling and they said it was not blocked on their end so they did not know what was happening. I asked how I could go about fixing this and they said they did not know, to just try back in a few days. I am so irritated with dealing with these people. No one seems to know anything or are willing to help me figure this out. I have spent way to much time trying to figure this app out. All in all, I would not recommend this app.

Fraud/Hacked. I received notifications from my bank for 2 large transfers of money to a person i have never heard of through Zelle. I have not used Zelle in years, some how my inactive zelle acct was compromised. I bank with PNC and they disputed the charges, but Zelle claims there was a series of questions that were verified. Baffled, i started googling “zelle fraud”, exactly what happened to me has happened to multiple people. In a nutshell I am still out $1200. I basically have to contact the news to try and get my money back (that’s the only way the other people got their money back). Zelle is of no help with my situation & my bank does not know what to do since Zelle claims it’s legitimate. i have the persons name from the transactions on my bank acct & I am trying to figure what to do next? It just seems odd that Zelle has the persons banking info & will not provide anything to me? I feel like this is a inside zelle scam, since zelle has an “oh let your bank figure it out” attitude.

Garbage. As an unregistered user, you get a text or email notification of a pending payment and 14 days to register. Good. If you’re already a user and your affiliated debit card needs to be updated, you get... nothing. No text, no call. The sender gets a reject notice. That’s the policy. Garbage. I attempted to update the card, and received an error message in the app to call for assistance. Worst call center ever. After 10 mins of wading through 6-8 levels of options (and if you hit 0 it just repeats the menu, and if you hit #....it cancels the call. Awesome.). I finally speak with someone who can’t help and transfers me to the next level. 15 minutes on-hold later a guy tells me everything looks fine. I provide some feedback on the struggle, and he asks “Are you done?” Then you have to call in to cancel. And then you have to call a different number for the guys who erase your personal data. It’s almost comical how bad the whole system is. Never had an issue with Venmo or those good old greenbacks!

Just use Venmo. A family member tried to send me money through his bank using Zelle. He had had many problems with the app before (money not reaching people, days and days going by without funds processing, etc.) but tried it with me regardless. I was a new user of Zelle and my bank was not one of the partner banks, but followed the instructions carefully to process the transfer using my debit card. After over several days of waiting for the transfer, I contacted customer support via email. It was clear the “support specialist” did not check any of my information, and just told me to wait longer because I was a new user. After another week of waiting, my family member sent me the funds using a more reliable method. Again, he had no shortage of problems with the app and has since switched to other ways of transferring money to outside banks. Maybe it works well if you are sending money to someone within the same bank, but if not, mail a paper check or use Venmo and save yourself the anxiety.

Password Glitch. I have been using Zelle for over a year. I mostly use it to receive money between my joint account and my partners personal account. I had to send money today and could not remember my password. The first step was to have me enter my cvv. Once entered I was logged out “due to inactivity”. I then tried to get a link sent via the forgot password from the website. I attempted this twice with no password being sent. I then tried to enter a couple of passwords which it might be. Flash forward to today. I open my zelle account and it states I’m locked out. I call them explaining my situation and my ticket number. The Zelle representative admitted hat it has glitches and the algorithm used believed I was being hacked so I am now barred from using zelle indefinitely. This is beyond frustrating. It’s key to have human checks as errors do occur. Now I will have to find a new service as Zelle apparently won’t do anything to keep customers when it is their own admitted fault.

Don’t ever get a new phone.... This app was great. However, I got a new phone which means you have to get a hard reset. This involves calling customer service, talking to their first line of defense and waiting on hold (a total of about 5 minutes). Next, they transfer you to their “second tier support,” which means more hold time... the next step, and you won’t believe this... is they tell you to delete your app, wait an hour, then reinstall the app, but make sure your WiFi is turned off, then sign up, creating a new account. So two hours later, after following all of the steps perfectly, it didn’t work. I called customer service and she rudely told me that I must’ve done it incorrectly... she couldn’t offer any other help other than having me repeat this entire process... all of this because I got a new phone and their authentication only works with the phone you initially signed up with. Zelle, how are you the only service that forces you to jump through so many hoops. All of my other accounts, I just signed back in... fix your crappy app!

Goodbye Zelle! New account for a new number?? Customer Support Line drops calls. These are the two main reasons I will no long be using Zelle: 1) Whenever you get a new phone number you must create a new account and go through the entire bank account connection process all over again. There is no way to update your phone number on your Zelle account. This is extremely antiquated and completely unacceptable to me. 2) When you call customer support - if you would like to skip the prompts and simply speak to a human being and press zero - you are IMMEDIATELY DISCONNECTED. This is extremely rude and customer-hostile to me. How dare they do that. You must go through at least 4 different prompts (repeating the same information) to get to a customer service representative. And then your call may be dropped and they do not offer the feature of calling you back (they told me this is not something they do). Holy 1996 Batman. Get with the times!!

This is a terrible payments app. App: The registration process is crippled and barely-functional. The email you receive notifying you of money will lead you to dead ends. Even after you have registered, clicking “Accept Money” will lead you right back into the registration path, not into the app. If your bank is not listed with their service, you cannot accept a payment sent to you, even if you register the email address it was sent to. Linking up the initial email recipient and your new account takes them “1-3 days.” The UI in the app itself is confusing and buggy. The process of registering an email address is elaborate and needlessly steppy. Customer Service: prepare to enjoy a long wait through an unhelpful pre-recorded message that you cannot skip and tells you many and diverse things that you already know. Then you will have the joy of trying to communicate with overseas tech support who will read from a script and not resolve your problem. Competition: I can think of three services — Apple Pay Cash, Chase Pay, and Venmo — that do this thing perfectly. Zelle is needlessly full of friction and annoyance. Why use this when you could use a good app, developed and supported by a good company? Conclusion: Stay away. Zelle is trying to build an app and operate a service on the super-cheap. There are better ways to send money, and if you use Zelle the person you’re sending money to will have a bad experience.

Worst Customer Service I’ve ever encountered.. My wife set up a Zelle account but Zelle didn’t support her bank so she set the account up with my bank. We had an issue with the bank so she called in and they needed the bank account information. I got on the phone with Zelle and they proceeded to ask me to verify the account. I asked my wife is the account under your name or mine. Not a big deal I just wanted to answer the customer care rep correctly that way we could move along with the conversation. When I asked my wife the question the rep proceeded to start interrogating me. She said, You don’t know The Who’s account this is? Sounds pretty suspicious, sounds like you’re trying cat-fish me. I was like are you kidding me. We’ve already verified the account once. I took the phone from my wife to give you my bank. I hung up and called back a couple minutes later, got a different rep and canceled the account. Which took forever btw... I don’t recommend this service. The customer care experience makes the app not worth your time.

Worked a little bit. Zelle worked for me for a little while. Mainly did small transactions randomly with family and friends. 1-2 transactions a month, all under $150. Mostly use Venmo or CashApp. One day my Zelle stopped working sighting my number was restricted. Had to call Customer Support which was aweful. Long wait time (1+ hrs) just for the rep to tell me he doesn’t know why my number is restricted then transfers me to another dept. On hold even longer and the second rep tells me she can’t figure out why my acct is restricted and that “sometimes this happens… give us a call back in 2 weeks.” Well, 1 month later, same routine. I’m DONE! Deleting this trash app forever. They need to give the reps overseas (yes, their CS dept is from India) access to more information AND authorize them to actually do something!!! Right now “Customer Support” is just a sham by Zelle that’s made to waist your time and make you think they even care.

Ari B. I contacted customer support cause I was having an issue with the app automatically signed me out then my password wouldn’t work so I said I forgot it in order to gain access to my account and it kept sending in the dreadful loop only to not give me access to my account so of course I contact customer service the lady I spoke with told me if the transaction I was doin was suspicious it would do that so I told her the is a reoccurring transaction and the only one I use the account for once the month to pay my rent to my landlord she asked me if I could pay another way and I told her this was easiest cause she lives in Canada then she told me the app is NOT for sending money out of the country well excise me I had NO idea that this app wasn’t for Bank of America customers to receive payments and transfer funds witch was the was the impression I got when downloading that app and the first 6 months I used it & will most likely uninstall take my business back to cash app who I’ve never had a problem with & or spending limit

Zelle is spectacular. I feel Zell is spectacular. Zell has been there for me over the couple of years that I’ve been with them. I have not had any trouble working with Zell my siblings, and my children are also on Zelle. that way if somebody is in need of cash, when pone of us are unwed we are able to be there for each other. It’s no problem. we get the funds to them or they get it to me. As the mother,Its satisfying to know my adult children can be be there for each other just buy a click of the hand. Zelle has shown to be simple and professional able to answer any questions that it Hass to do our informative and I can really appreciate that. Thank you so much Zelle for being so spectacular. T

Zelle Customer Support NO HELP. While trying to set up a new Zelle account with a credit union that does work with Zelle (my fiancé has had the same credit union linked with his Zelle app for years) I am running into an app problem. I can not get past the screen where I enter in debit card information. A pinwheel swirls and then it stays on the same page as if nothing happened. More than five calls into Zelle support and it was decided that the app simply doesn’t work for me and once a rep even said I need to switch banks to one that is bigger and supported!! It is clearly some sort of bug or error in the app that has not happened since it’s a credit union that is not that popular and probably doesn’t link often with Zelle. Not one service rep person has reached out to me telling me they would tell their app team or bug workers to fix the problem, they all said it stumped them and that it simply wouldn’t work for me. Obviously the app works great for people that have it, I just wish the customer support was more helpful and understanding and not just reading off a script. This seems like a new bug or error with my specific credit union that is not being handled properly.

Bad. Your app is bad and you should feel bad. Love not being able to sign in due to the hundred different error codes! Spent over an hour on the phone with “support” because I can’t get into my account when the app says “we’re sorry please call Zelle support for help”. Your support knows nothing, “can you try and log in while we are on the phone?” Ok sorry but it’s not going to magically work just because you asked me to when it’s been an issue for A WEEK. “Is your app updated?” I was literally asked 8 times “What is the message saying?” When I’ve told them the same thing every time. Put me on hold for 5 minutes at a time just to come back and ask me to see if it’s working again, then hold again, then asks what the message is AGAIN, puts me on hold, until they tell me “we don’t know how to fix your problem I am sorry is there anything else I can help you with today?” Pathetic. You guys are the worst company I’ve ever had to deal with. Please just end your companies miserable life.

Would rate zero stars if I could.. I’ve had a Zelle account under my phone number for years. I’ve spent 2 months trying to fix my Zelle account. I cannot send or receive any payments. Zelle is stating that my phone number is not registered with my account when it’s been registered for years. So when I go to register, repeatedly, it does nothing. Just says “thanks for registering.” Over and over mind you. And it still won’t let me send or receive payments anymore. I’ve had the same phone number for years, shouldn’t be doing this. Can’t even split bills with my wife anymore. Making my life very difficult. I’ve missed out on $400 worth of transactions sent to me that just got refunded into other accounts because it never even fully sent to me. Somehow my phone number glitched out of the data base yet it’s still in there somehow or something. I don’t recommend this app to anyone.

Scam! DON’T GIVE THEM INFO. Over and over there are comments that people are losing money, waiting on money to be transferred to account... for weeks even. It worked well with me the very first time I used it and then they said I was no longer eligible. They could not or would not explain why. Who in this day and age gets to access sensitive information including access to your contents and not have to answer the question “why?” They say its a free app, so they don’t have to explain, so then they don’t see people as customers. They hide behind two statements, 1. “we will not tell you why” and 2. you are using a free app, so what did you expect. I think it works well initially to get the word of mouth going and positive reviews and then they kick people off if for as they said, “too many reasons to list.” Oh yea, and when you ask about their policies they say they don’t have any. So they can put whatever they want into practice. Be careful with your information, I am now worried about identity theft.

Great for fraud. I would give it one star but credit where it’s due, this is the best product for fraud by far. These bozos’ idea of verification is a joke, all you need is a phone number and you can claim to be whoever you want, even a business. You can be swindling people instantly and with no recourse for the victim. Neither the bank nor Zelle take any responsibility for facilitating fraud on a scale of hundreds of millions of dollars per year. (It’s hard to know exactly how much because they don’t have to report it) And even better, they have no responsibility to make their customers whole after they are defrauded because the CFPB is a toothless organization that is regulating as if this is still the 1970s. So short story long, if you are in the scamming business, this is a golden opportunity. Get while the getting a good! The banks are profiting from doing nothing about this so it should be a while before you have to come up with another scam. Good luck!

I used to enjoy it. Zelle was a great asset when receiving payments from clients. For two years I used this app and it worked well with my bank and with easily billing and receiving payments for my business. Today, after getting error codes, I contacted support and was told my information is not approved for use in Zelle. I asked what changed and the support staff told me there was no history that she could see of me using Zelle and in order to continue using Zelle I needed to open a new bank account with one of their partner banks. After two years. I asked if the requirements had changed because of the new year and the question was not answered. I asked why was I allowed to use it for the past two years with the same banking information, which I have not changed. Again, not answered. I understand I don’t have a partner bank account, but I still have questions as to why now this bank is no longer viable and why my Zelle account history is gone.

Very convenient until they mess up. I had tried Zelle out a few times for some online purchases from art shops, it works fine until one attempt I made for a $500 purchase never made it to the recipient. I double and triple checked with the person if they had received the money but nothing went through, turns out Zelle had been having app troubles where the money would be withdrawn from the senders account but not sent to anyone it just “disappears” (very sketchy if you ask me). Upon contacting Zelle’s customer support I received information that the money would be refunded in 5-7 business days, once that didn’t happen I called back and they said it’s going to be 10-30 business days actually. So I’m writing this review on day 29 of waiting for my refund to just warn others that these inconveniences can happen and can be very bad if someone were to need that money to survive.

App doesn’t work. I’m on an iPhone 8 fully updated. I was able to create an account and provide my login information and go through the SMS and email verification process. After setup, the app fails to log in on both cellular (AT&T) and WiFi connections, over the course of a few days. The app is not usable in its current form. When I open the app my cell phone number is saved. I click “Get started” and get a “Login failed” message. No explanation, no redirection to support. Update: I was finally able to create an account after 3-4 days of trying. The app made me enter my card information to sign up twice - no reason why, just a “sorry, you have to re-enroll”. I got to the send / request screen and thought I was in the clear. Nope. Now I can’t log in. The app is unable to verify my password. I am completely sure this is the same password I used to sign up, as I use a password manager, and have only created my password once, never changed it. This app is ridiculously buggy.

Not. A. Real. App.. This is a shell game disguised as an app. You open the app and it redirects you to a bank. There is no place where you can manage your account or settings. The banks cant support it and the company’s offshore support people don’t know how to either or just refuse to and try to punt you back to the bank. In my case, someone emailed payment with a 12 day expiration, so I registered that email with the app/bank and nothing happened and zero clues as to what was going on or why. When I opened the app or my bank app I was just prompted to register again which just redirected me to my bank. Support at the bank said it would take 30 days for the token for the email address to start working and that I needed to call Zelle who told me to call the bank. There is zero accountability. Meanwhile, the payment sender can’t cancel the payment and I can’t refuse the payment so it just sits in Zelle or the banks account until the end of the 12 days -at least I hope…

Zelle’s experience. I recently attempted to enroll in Zelle, hoping for a convenient and efficient money transfer service. Unfortunately, my experience was anything but satisfactory. The enrollment process turned out to be a complete nightmare. The app repeatedly crashed during registration, leaving me exasperated and questioning if it was even worth the effort. To make matters worse, Zelle’s customer service was an absolute disappointment. I reached out for assistance multiple times, only to receive generic and unhelpful responses that did not address my specific issues. It felt like I was speaking to automated bots rather than real human beings who genuinely cared about resolving my problems. Additionally, the lack of clear instructions and user-friendly interface made navigating the app an arduous task. It seemed like Zelle wasn’t interested in providing a seamless experience for their users at all. The frustration I experienced throughout the process has left me with no desire to continue using their services. I strongly advise against using Zelle. The enrollment process is riddled with technical glitches, and their customer service is incredibly lacking. Save yourself the hassle and look for more reliable and customer-centric alternatives in the market. Zelle’s shortcomings have left me with a sour taste in my mouth, and I won’t be returning to this platform anytime soon.

Worst Customer Service. I been using Zelle through my bank for a few months, and yes it fast and easy service at first. However, God forbid you make a mistake and send your money by accident to a wrong number it is hell to cancel it. I tried canceling it through my mobile bank app, no luck. I tried canceling it through the Zelle app and none of the security codes Zelle sent me work and I got locked out of was advised to call customer service to unlock my account. Absolutely no help there either. The customer service agents had no solutions, they put you onto their technical support agents with a case number which is just another dead end. Zella’s technical support agents are not only rude, but refuse to provide you any information in regards to your account, or offer you any solutions to resolving your issue. I had to resort to forums online to figure out how to help myself. You’ll find they have an “oh well, too bad” type of attitude. By far the worse customer service of any money transfer service.

Such a shame. An unmitigated disaster. ClearXchange worked so much better but they forced all their customers to close their accounts and switch to this awful app instead. Despite 3 days of trying and multiple calls to customer service, I still can’t get my non-partner-bank debit card to register, and 2nd-level tech support can’t figure out why. The ClearXchange website used a simple routing+acct # to link to your bank; SO much better (debit card registration is broken for many people; debit cards have low transfer limits; some people don’t even have debit cards in favor of ATM cards since they are safer; etc). Zelle needs to fix this app’s horrible registration process ASAP (allow email registration instead of requiring cell phone number; fix problems registering some debit cards; add option for using routing+acct # to link to bank) and also bring back a web interface like the shuttered ClearXChange website to give people an alternative non-app interface. Venmo is going to crush them if this is the pinnacle of their customer-facing interface.

Not User Friendly & Shares Your Info. It’s difficult to see how much $ is in your account. When you want to switch account, it says you’ll lose history with the existing account. When turning on email to receive payment, it’s saying “Unable to Register”. I thought I was already registered. I’m logged in. There’s no explanations for any of these problems, so I’m left in the dark. They seem to have no shame in saying all the ways they’ll share your info with other vendors before you agree to contract. Many people are using the app for some reason and insist on using Zelle. PayPal is much better from my experience. Update: No way to receive funds, so they were returned. Was getting error message when trying to add a different email address, as suggested by Zelle, since first was linked to another account. Called Zelle, was told the transfer should work now. Notified sender to send again and same thing happened again. Called Zelle. They said have sender check with bank...

Almost perfect. I have had a great and easy experience using Zelle. Except one time last week I sent someone $400. The app said it did not go through and to try again later. So I tried a few more times with the same result. Later that day I checked my bank account and there showed 3 withdrawals for $400 from Zelle. On my Zelle account it did not show any transactions only in my bank account. So I called the bank, they said to call Zelle. I then called Zelle, they said to contact the bank. So I finally walked into the bank and they said I had to file a dispute and it might take 5-10 business days to get my money back. They actually returned the money the next day but it was not a good feeling to have my money stuck like that. After that, I’ve been using Zelle as usual, no problems.

Mixed Review. I am very thankful for this application. However, it has been a challenge actually sending the money to a family member. Initially, on Saturday, I sent my desired amount and was told it wasn’t successful because there was a fraud hold on the recipient’s account. On Monday morning, the recipient checked with her bank and there was no fraud hold. After testing this with $1.00, which was successful, I tried to send the total desired amount once more. Nevertheless, the transaction was again unsuccessful. I decided to send one-half the desired amount, and once the recipient confirmed receipt, I sent the remainder. I am currently awaiting confirmation of receipt. Without persistence, the recipient would still not have the total desired amount. I am praying now for confirmation! One should not have to pray for an application to be effective!!

DONT USE ZELLE. Basically I had an account with my old phone number and debit card. I don’t send money often, but my brother sent me $200 through Zelle. I don’t have that phone number or debit card anymore, but a notification came to me phone saying it was sent. I try to log in with my old phone number and password. It worked but they asked for the CVV of my old debit card, which I don’t have. So I had to make a new account. I get past all the steps but I try to put my new debit card information in and address and the app tells me that it doesn’t work. So I call my bank and they say all the information I put in the first time was correct but it still doesn’t work. So I call Zelle customer support & they say they don’t know what’s wrong. The lady told me, “That is very rare but some debit cards can’t be enrolled with Zelle and yours is one of them. Sorry there’s nothing I can do.” I was beyond mad. So now I don’t know what to do. Just use cash app people. It’s a small fee but I’d rather go through that than this.

USE ANY OTHER APP. This app is the most ridiculous payment app I have ever been forced (by my customer) to use. I own a small business. I collect digit payments from my clients. I HAVE ALL THE MONEY APP, so nobody can ever say “oh well I don’t have that one” when it’s time to pay me. I ran into a problem when my chip from my bank card was damaged. So I ordered a new card from my bank. I needed to collect a $200 payment from my client who only uses this horrible app, so I put my temp card in place of my old one. My new card is here and now zelle wont let me update it in place of my temp card. When I try it locked me out. Wasting hours on the phone to find out why, my answer was “you can only update your card after 30 days.” ADDING AND REMOVING CARDS IS THE MOST BASIC FUNCTION OF ANY MONEY APP! So basically, the temp card doesn’t exist anymore, so I can’t accept payments for 30 days because “rules” Ridiculous. Your company is ridiculous. If you have any other choice, just look in the App Store, close your eyes and pick a different app. It doesn’t matter which one. It will be better than Zelle.

Not Nearly Enough Detail. I appreciate that Zelle provides a level of comfort for those whose banks use their software, but as an app user it is frustratingly weak on details compared to other apps like Square’s CashAp. For one, Zelle doesn’t use actual dates to indicate when a request was sent or a payment was made, just the time that has elapsed (days, weeks, months), which becomes less precise as time goes on. In addition, if a memo was included in a request, that notation is deleted once the request has been accepted/paid, so in general don’t expect to be able to keep (or document) payment history. Most frustrating is that requests EXPIRE! You get a text saying the request will expire in 3 days, then 1, and then poof - no way to show the request was ever sent, what the memo indicated it was for, or that it expired. At the very least Zelle should send a final text saying that the request has expired (with memo included!) so that there is documentation.

Got scammed and customer service was no help. I “purchased” tickets using the Zelle app and it turned out to be a scam. I immediately called customer service and they essentially told me I shouldn’t have sent a stranger money. I totally understand that, and that was stupid on my part. However, when I asked if they could flag or maybe look into the account the man said no. The entire call was a whopping minute and 2 seconds. SO what I gathered from all of this is Zelle seems to not care about potential thieves using their app, and they would rather profit than look into a serious problem. I definitely do not recommend this app due to my experience with customer service and how they didn’t seem to want to report a fraudulent account, or even offer an explanation as to why they wouldn’t and/or can’t. I would suggest others don’t as well since, in my opinion, they are willing to allow these people to do what they’re doing instead of looking into who is using their app for scams. Thanks guys!!