Zelle is one of the most widely used peer-to-peer (P2P) payment services that allows you to send and receive money within minutes using an email address or phone number. Today, Zelle works with over 2,000 banks and credit unions; including Chase.
Chase does have Zelle
Yes, Chase works with Zelle. This service lets you easily transfer money into your recipient’s account or receive payment by just using simple contact information.
With Zelle, you could send and receive money from your Chase banking app with others who have US deposit accounts and are enrolled in Zelle. There are no fees to send or receive money with Zelle through Chase, and it’s already integrated with your Chase banking app, so downloading a separate app is not required.
How to use Zelle with Chase
If you have an account with Chase but haven’t tried using Zelle yet, here’s a quick step-by-step guide on how to get started:
Open your Chase mobile app and select “Pay and transfer.”
Tap “Send money with Zelle” and choose “Get started.”
Select your account and provide your email or US phone number.
Type in the confirmation code sent to your email or phone.
Tap “Done” or “Send or request money.”
To send money to someone you know, you’ll just need their email or US phone number. If that person hasn’t enrolled in Zelle yet, they’ll get a text notification or email letting them know you’ve sent them money and go through some steps to get enrolled. You can only enroll in Zelle if you have an account that supports the service (Zelle no longer has a standalone app).
Once they’ve signed up, the funds will be sent to the bank account they used to enroll. Note that if they fail to sign up within 14 days, the money will be returned to your account.
Is Zelle free with Chase?
Yes, Zelle is free with Chase, which means you won’t be charged additional fees for Zelle transactions.
But to use Zelle at Chase, you’ll need to have a Chase checking account first. Depending on the type of checking account you sign up for, you may have to pay associated account fees.
Chase’s Zelle limits vary based on several factors, including your recipient. Each transaction falls under a specific tier, which determines the maximum amount you can send to all recipients within that tier per day.
You can see your limit for a transaction in the Chase mobile app when you set it up. If you’ve already sent money that day, Chase will let you know the remaining amount of your daily limit if you want to send money to another person within the same tier.
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Alternatives to Zelle
If Zelle doesn’t seem like the option for you, you have many other P2P payment apps to choose from, including the following:
Cash App. Cash App is another peer-to-peer payment service that lets you send and receive money using a mobile app. You could also get a debit card that’s connected to your Cash App balance.
Venmo. Venmo is owned by PayPal and also allows users to send and receive money instantly. Many people use it to split bills or pay friends.
Apple Pay. Apple Pay is a secure digital wallet and payment service that lets you make contactless purchases in stores and online using just your iPhone.
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Separate T&Cs apply
Chase is fully integrated with Zelle, which means that as long as you have a Chase checking account, you can start using Zelle without downloading a separate app. As of April 1st, 2025, Zelle removed the ability for users to use the standalone Zelle app. You must enroll with one of the banks or credit unions in Zelle’s program to continue using the service, which does include Chase.
However, Chase isn’t the only major bank that supports this P2P money transfer service. Compare more top banks that work with Zelle.
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).
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