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Does HSBC Have Zelle? Yes, Here’s How to Use It

This international bank supports Zelle, and it's easy to set up.

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By

Bethany Hickey

Edited by

Holly Jennings

Updated

Fact checked

Zelle, owned by Early Warning Services, is a money service that’s directly integrated with over 2,000 US banks and credit unions. Right in your banking app, Zelle lets you send and receive instant money transfers between other US deposit accounts. HSBC is a bank, so it can partner with Zelle.

HSBC does work with Zelle

HSBC does work with Zelle. Customers with the HSBC US Mobile Banking app and an HSBC deposit account have access.

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How to use Zelle with HSBC

Signing up with Zelle doesn’t cost anything. You’ll need a US deposit account from a supported bank, such as a checking or savings account.

You’ll sign up for Zelle within your banking app. Follow these steps to set up Zelle with HSBC:

  • Open your HSBC banking app and log in.
  • Select ‘Move Money’, then select ‘Zelle.’
  • Enter your US email address or mobile phone number to receive a one-time verification code from Zelle.
  • Confirm your enrollment via code.

That’s it! Zelle no longer supports a standalone app, so to use it at all, you must bank with a supported institution.

Is Zelle free with HSBC?

Most banks and credit unions don’t charge extra fees to use Zelle. HSBC doesn’t charge any fees to use Zelle, either.

HSBC’s Zelle limits

HSBC states there are no limits to the amount of money you can recieve with Zelle, but it does have some sending limits. You can send up to $500 per day, or up to $3,000 per month (rolling period). You’re also limited in how many Zelle transactions you can make, up to four per day, or 30 per month (also rolling period).

These limits are pretty standard, and its also following Zelle’s standard transfer limit of $500 per day.

Alternatives to Zelle

If you want the ability to send instant transfers to friends and family, but you’re not an HSBC customer, consider these other apps:

  • Cash App. One of the most popular peer-to-peer apps out there, Cash App lets you link external accounts to send instant transfers to added friends. The app has a debit card, savings, investing and more.
  • Venmo. Similar to Cash App, Venmo lets you link external bank accounts to send instant transfers to friends and family. Venmo also has more of a social aspect compared to Cash App, letting you see a feed of friends’ transfers if public.
  • Chime. With a Chime® Checking Account, you can use the feature called Pay Anyone, which lets you send cash to anyone with a valid debit card with no fees.

Bottom line

HSBC does work with Zelle, but if it’s not the right bank for you, compare other banks that support Zelle if you’re set on using the service.

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

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise
Bethany has written 460 Finder guides across topics including:
  • Personal finance
  • Banking
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