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.
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.
Bonus highlight
If you’re looking for a high-yield everyday checking account, Consumers Credit Union® Rewards Checking offers tiered interest earnings of up to 5% APY when you meet simple monthly activity requirements, along with full digital banking that includes Zelle.
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Separate T&Cs apply
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.
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.
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Marcus offers top savings options, but if you want a full-service bank, go with SoFi.
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