Can I use Zelle® internationally? (2024)

FAQs

Can Zelle be used for international transactions? ›

Zelle services domestic money transfers only. This means it can only be used to send and receive funds to someone who has a bank account within the United States. If you need to send an international wire transfer, visit any U.S. Bank branch.

In order to use Zelle^®, the sender and recipient's bank or credit union accounts must be based in the U.S.

Frequently Asked Questions

There are a couple of reasons you may not be able to enroll your U.S. mobile number: It is already enrolled with Zelle^® at a different bank or credit union. The phone number you provided is not a U.S. mobile number (international numbers and landlines are not accepted)

Unlike many money transfer apps, Zelle does not charge a fee for instant transfers. Zelle transfers are generally secure, but the app does carry risks, including the risk of glitches at banks that can affect money transfers.

Zelle is only supported in the US. US residents with US bank accounts can open and use Zelle accounts. Zelle does not support international money transfers.

Can you send and receive money internationally with Zelle? Unfortunately, not. Zelle only works in the United States.

If you need to send over $1,000 to an overseas bank account and speed isn't a concern, consider OFX. This online money transfer service is available in 190 countries and doesn't charge fees. You can send money directly from your bank account using the OFX website or mobile app.

Once you're enrolled with Zelle^®, all you need is an email address or U.S. mobile phone number to send money to friends and family straight from your banking app. From your kid's babysitter to your college bestie, Zelle^® can be used to send money to almost anyone you know and trust with a bank account in the U.S.

How do you tell if someone is scamming you with Zelle? ›

With PayPal you can send across the table and with Xoom* a PayPal service, you can send across the globe to more than 160 countries and markets.

No sensitive account details are shared when you send and receive money with Zelle^® – only an email address or U.S. mobile number tied to a bank account in the U.S. Authentication and monitoring features are in place to help make your payments secure, but, pay it safe: Only use Zelle^® with people you trust, and always ...

Both of the payment services are decently safe, have user-friendly interfaces, and allow you to conveniently send money when you need it. Zelle stands out from Venmo with its absence of instant transfer fees, but it also cannot be used as a wallet. So, if you need a wallet function, you should go for Venmo .

Zelle^® does not report any transactions made on the Zelle Network^® to the IRS, even if the total is more than $600. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network^®.

No, Zelle is available only in the US. The payment app only allows you to send money from one US bank account to another, meaning both the sender and the recipient must have US bank accounts. We recommend using Monito.com to compare alternatives instead. 💵 What's the best Zelle international alternative?

Does Zelle work internationally? Zelle works only with U.S. bank accounts. It doesn't work for sending money to or from a bank outside the country.

No, you cannot use Zelle or Venmo for international money transfers. Both services are limited to the United States. They require both the sender and receiver to have US bank accounts.

OFX gives you a better and cheaper way to send your money internationally. With us, there are no setup costs or monthly fees to keep your account open.