Does Bank of America Have Zelle?

Zelle has become one of the most used mobile payment apps in the country — and for good reason. It lets you transfer money from one bank account to another within minutes just using an email address or phone number. As of 2026, over 150 million people have access to Zelle directly through their banking app, and more than 2,200 financial institutions support the peer-to-peer (P2P) payment service.

Bank of America does work with Zelle

Bank of America’s banking app is integrated with Zelle. As long as you have an eligible Bank of America deposit account (consumer or business), you can enroll in Zelle in the bank’s own mobile app.

However, the person you’re sending money to or receiving money from must have a US bank account and be enrolled in Zelle for the transaction to go through.

*No monthly maintenance fee each statement cycle when you meet one of the following: an owner of this account is under the age of 25, maintain a minimum daily balance of $500 in your account or are a member of Bank of America Preferred Rewards.

How to use Zelle with Bank of America

Here’s how to set up Zelle and start sending and receiving money from your Bank of America mobile app:

1. Open your Bank of America Mobile Banking app.
2. Sign in and tap Pay & Transfer.
3. Select Zelle.
4. Enter your email or phone number to enroll and receive a one-time verification code to verify your enrollment.
5. Tap Pay to start a transaction.
6. Enter the recipient’s email address or phone number. You could also tap add from contacts to select from the existing contacts in your phone.
7. Enter the amount you want to send.
8. Review and hit OK to confirm.

Requesting money from your BofA mobile app using Zelle follows pretty much the same steps. But instead of selecting Pay, you’ll select Request.

If the person you’re sending money to or requesting money from doesn’t have Zelle yet, they’ll receive a text or email explaining how to get started. If they’re already enrolled, they’ll get a notification once the payment is sent and typically receive the money within minutes.

Is Zelle free with Bank of America?

Yes, Zelle is free with Bank of America. There are zero fees to send or receive money with Zelle using BofA’s mobile app or online banking. That said, you’ll want to check your Deposit Agreement and Personal Schedule of Fees to see if there are any fees related to your deposit accounts.

Bank of America’s Zelle limits

For security, Bank of America restricts the number of transactions and the dollar amounts you can send in any daily, seven-day or 30-day period. The limit is also different for individual accounts and small business accounts, and they may also vary depending on the recipient.

Individuals

Small business

Bank of America is not quite the right fit?

If you’re looking for an online bank, Varo offers full Zelle integration with its free, low-maintenance bank account with no opening deposit requirement.

Alternatives to Zelle

Zelle doesn’t have a standalone app, as of April 2025. Zelle is super convenient, but only for those with bank accounts in its program. Check out these alternative P2P apps if you want to explore other options:

• Cash App. Cash App is a peer-to-peer payment service similar to Zelle that lets you seamlessly transfer money using just a mobile app. But what makes Cash App different from Zelle is that it also comes with an option to get a Visa debit card for ATM withdrawals.
• PayPal. Even though Zelle is fee-free, it only works within the United States. PayPal, on the other hand, may come with some fees, but it lets you send money to people in other countries. You can also shop online using your PayPal balance, PayPal debit card or PayPal credit card.
• Wise. Wise is another solid option for sending money internationally. It’s not as instant as Zelle for US transfers, but it offers low fees and real exchange rates when you send money abroad.
• Venmo. Like Zelle, Venmo doesn’t charge you anything to use the service. However, with Venmo, the money sent to you won’t be deposited automatically into your bank account. Instead, Venmo is more like a digital wallet that holds money for you before you manually transfer the amount to your bank.
• Google Pay. Google Pay lets you send money to friends and family directly from your phone or email. It’s available for both Android and iOS users, and it also integrates with your bank account or debit card.

Bottom line

You can use Zelle at Bank of America if you have an eligible Bank of America consumer or business deposit account. This means you could easily send and receive money from your BoA mobile app without having to download a separate app.

Don’t worry if you’re not a BofA customer yet. Bank of America isn’t the only bank that works with this mobile payment app — compare more top banks that support Zelle.

See if other popular options support Zelle

• SoFi®
• Chime®
• HSBC
• Navy Federal Credit Union
• GobBank
• Discover
• Capital One
• U.S Bank
• Chase Bank
• PNC

To make sure you get accurate and helpful information, this guide has been edited by Bethany Hickey as part of our fact-checking process.

Written by

Jamela Adam

Contributor

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Jamela Adam is a personal finance writer with over three years of experience. Her work has been published in major publications, including Yahoo Finance, Forbes Advisor, U.S. News, Business Insider, GOBankingRates, CNN Underscored, and Chime. Jamela previously worked as a content marketing specialist and helped devise content strategies for major brands in the financial services space. She is also a Certified Financial Education Instructor (CFEI). See full bio