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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.
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
|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
|Ways to pay||Bank account
|Ways to receive||Bank account
|Fastest transfer speed||Instant||Instant|
|Free withdrawal speed||Up to 3 business days||Up to 3 business days|
|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 to send money||No fees||No fees|
|Instant withdrawal fee||0%||1.5%|
|Bank account required?||Yes||No|
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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