Zelle is one of the most popular US-based mobile payment apps that allows you to quickly transfer money from one bank account to another by just using an email address or phone number. As of April 2025, more than 2,000 banks and credit unions support Zelle.
Yes, Discover supports Zelle. You can send and receive money from your Discover® Bank account with family members and friends who also have US bank accounts and are enrolled in Zelle.
That said, to get started, Discover requires you to have a checking, savings or money market account that’s been open for at least 90 days.
Discover® Cashback Debit
Send and receive money easily with Zelle.
If you have a checking, savings or money market account at Discover that’s been open for at least 90 days, here’s how to set up Zelle and start sending and receiving money.
If the person you’d like to send money to has not yet enrolled in Zelle, they’ll get a text or email notifying them you’ve sent money. They’ll then be asked to enroll in Zelle to receive the funds. If they fail to do so within 14 days, the money will be returned to your account.
Requesting money using Zelle is pretty straightforward as well. Instead of “Send money with Zelle,” you’ll choose “Request.” Then, fill out the contact information of the person you’re requesting money from and enter the dollar amount.
Yes. Zelle is completely free with Discover, and you won’t be charged additional fees for Zelle transactions. But to use Zelle at Discover, you’ll need to have a Discover checking account, savings account or money market account first. Depending on the account type, you may have to pay associated account fees.
According to Discover’s Zelle User Agreement Addendum, you can only send a maximum of $600 per day with Zelle. Discover could decrease or increase this limit at any time based on factors it determines at its sole discretion. You’ll be notified if your transfer limit changes.
Zelle no longer has a standalone app. So unless you have a bank account that’s integrated with the service, you can’t use it at all.
If Zelle doesn’t seem like a good fit for you, check out these other P2P payment apps that may be more your cup of tea.
Discover is fully integrated with Zelle. As long as you have a Discover checking, savings or money market account that’s been open for at least 90 days, you can start sending and receiving money using Zelle. Discover isn’t the only bank that works with this P2P money transfer app. Compare more major banks that support Zelle.
SoFi Plus is a new membership option for SoFi customers that’s free with qualifying direct deposits and earns extra rewards and higher APYs.
Bank of America is a dependable and accessible bank network, but keep an eye out for monthly fees compared to other options.
Zelle transfer limits vary by bank. Some of the banks with the highest Zelle limits include Capital One, SoFi, Chase, PNC and Wells Fargo.
Zelle users can no longer use its standalone app to send or receive money.
Capital One does work with Zelle and has one of the highest Zelle transfer limits available. See how to get started here.
Popular online bank SoFi is one of the only fintechs that works will Zelle, a peer-to-peer money transfer app.
Chime offers a competitive $100 referral bonus and a $100 direct deposit bonus when you meet certain requirements. See details here.
Many banks offer early direct deposit up to 2 days early, including SoFi, Chase, Chime, Discover, Huntington and many more. See the full list.
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