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Zelle vs. Cash App

We look into the fees and features of these two competing money transfer apps to help you figure out which is best for you.

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Zelle and Cash App are both options for sending money, but which will work better for you? Zelle is the more basic option of the two, as its main feature is to transfer money between two bank accounts. If those bank accounts are already supported by Zelle’s network, fantastic, the transfer should be nearly instant — if the accounts aren’t supported then you may have to wait a few business days or more.

Cash App, on the other hand, has a wider range of services that include paying for your transfer with a credit or debit card, buying and selling stocks and cryptocurrencies, holding money in a digital wallet and sending money to the UK. But if you’re just looking to send and receive money, picking between Zelle and Cash App might be easier after you consider these pros and cons.

We recommend Zelle for

  • Users that already have bank accounts supported by Zelle — see a full list here.
  • Sending and receiving money from people you know — Zelle isn’t made for transfers between strangers.
  • Avoiding escrow services or digital wallets, Zelle transfers go directly into a bank account.

We recommend Cash App for

  • Sending and receiving private transfers from friends, family and strangers.
  • Accepting direct deposit and managing your money in a digital wallet.
  • Diverse options in one app: stocks, cryptocurrencies, digital wallet services, transfers and more.

If you’re still on the fence, compare these two apps by fees, speeds and many more options using our breakdown table to figure out which service is best for you.

Breakdown of Zelle vs. Cash App

Zelle

Cash App

Zelle

Cash App

OVERVIEW
Description Supported banks enjoy direct bank-to-bank transfers with the tap of a button. Split the bill, pay your friends, buy and sell cryptocurrency and even spend money through a connected debit card.
Supported devices iOS app
Android app
Browser
iOS app
Android app
Browser
Ways to pay Bank account
Bank account
Credit card
Debit card
Google Pay
Apple Pay
Ways to receive Bank account
Bank account
Debit card
Mobile wallet
ATM
Customer support Phone
Phone
Email
SPEED
Fastest transfer speed Instant Instant
Free withdrawal speed Up to 3 business days Up to 3 business days
LIMITS
Maximum amount you can send per transfer (unverified account) Varies $250
Maximum amount you can send per transfer (verified account) Varies $2,500
Supports international transfers? No Yes
FEES
Fees to send money No fees No fees
Instant withdrawal fee 0% 1.5%
REQUIREMENTS
Bank account required? Yes No
Learn more

Summing up Zelle vs. Cash App

If you are just looking to send and receive money from your friends and family, and your bank account is already supported by Zelle’s network, use Zelle. However, if you think you’ll use even one of the extra services offered by Cash App, download it for free and give it a test run. Both of these apps are free to download and use, but some fees may apply for extra services.

Be aware that Zelle doesn’t support any international transfers, and Cash App only allows you to send to the UK — compare your international money transfer options if you are looking to send money overseas.

Compare other services that send money within the US

See how both Zelle and Cash App stack up against other popular ways to send money within the US.

Data indicated here is updated regularly
Name Product Fees Fastest available transfer speed Maximum transfer amount (verified)
Zelle
To send:

No fees


To receive:

No fees

Instant
Varies
Supported banks enjoy direct bank-to-bank transfers with the tap of a button.
Cash App
To send:

No fees


To receive:

1.5% for instant withdrawal

Instant
$2,500
Split the bill, pay your friends, buy and sell cryptocurrency and even spend money through a connected debit card.
Google Pay
To send:

No fees


To receive:

No fees

Instant
$10,000
Google’s take on money transfers — use this free service to quickly send and receive funds in a variety of ways.
PayPal
To send:

By bank account: No fee
By credit/debit card: 2.9% + fixed fee


To receive:

1% for instant withdrawal

Instant
$10,000
Friends and Family is a free way to send and request money in the US, with fee-based options for international transfers.
Venmo
To send:

No fees


To receive:

1% for instant withdrawal

Instant
$4,999.99
Pay and request money to both friends and businesses through this peer-to-peer, socially driven payment app.
Walmart
Walmart
To send:

Starting from $4


To receive:

No fees

Instant
$2,500
Send and receive money at any Walmart in the US and Puerto Rico. Transactions can also be sent from the Walmart app.
Apple Pay
To send:

No fees


To receive:

1% for instant withdrawal

Instant
$10,000
Pay and get paid directly through iMessage, but you’ll need an iOS device to use this payment service.
Facebook Messenger
To send:

No fees


To receive:

No fees

Instant
$9,999
Connect a debit card or PayPal account to send money directly to friends through Facebook’s messaging service.
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