Zelle is a famous money transfer service (P2P). It allows American bank customers and credit federations to transfer money into other American deposit accounts at a semi -fixed speed. Moreover, most of them do not have to pay any service fees.
The independent Zelle application went
As of April 1, 2025, Zelle users can no longer use its independent application to send or receive money. You can still log in to the application until August 11, 2025, but you can no longer send or receive money with him.
So, what does this mean for users who cannot access Zelle in their current banking application?
If you want to continue using Zelle, you are lucky unless you switch to an account that supports Zelle. The service has been combined with more than 2,200 banks and credit federations, including Popular institutions Such as Bank of America, Capital One, Chase, Discover, Fifth Third, Sofi, TD Bank and Wells Fargo.
Why did the Zelle app go?
Zelle has stopped supporting its independent application due to very low use. In October 2024, Zel said in an advertisement, “With the strong growth of adoption by banks and credit federations, we now see about 2 % of transactions on the independent application.”
By using an independent application this low, it makes sense for the reason they stop supporting it, and only a small percentage of Zelle users will be affected by this change.
Alternative to Zil
Zelle may be common, but it is not an ideal application for moving money for everyone. Zelle does not support International transactions It can only be used with US -based deposit accounts, such as verification or savings accounts. This registration also means that you cannot use Zelle to send money via credit card.
Below are the other P2P applications to consider:
- Cash application. Connect the external bank accounts to send money to other cash app users. It also has other products, including tax deposit, discount card, teenage and investment banking services. There are no fees to send or receive money to other users, but you will pay comfortable fees to deposit the credit of the cash application immediately with your associated account.
- Venmo. It is very similar to the application of money, but with a more social aspect. It contains nutrition that display public transactions from friends and family that you added to the application. Like the App Cash App and Zelle, there are no sending or receiving funds for other users, but it has immediate cash fees to send your Venmo credit to your associated account.
- PayPal. One of the most popular money applications there, PayPal supports local and international transactions and is one of the most widely payment methods in the world. It also provides debit and credit cards.
Is Zil safe?
Risk with P2P applications has nothing to do with them Private security. These applications usually use encryption at the bank level to protect your data. However, they do not provide the same consumer protection as credit cards or some bank transfers, and your balance is not likely to be a FDIC in the application itself.
But the biggest risks with P2P applications such as Zelle are to make money accidentally to a person wrong or deceive by someone. Since Zelle’s transactions are almost fixed, you cannot cancel the payments after approval-so if you send money to the wrong person, you are tight.
To stay safe, check the details of the recipient before reaching the transmission and do not send money to strangers. You can also enable additional safety features such as multi -factor authentication, facial definition and transactions alerts to keep your account safer.
The bottom line
Because of the low use, Zelle stopped supporting its independent application. Although you can still open the application technically until August 2025, you cannot send or receive money with the service unless you have an American bank account with one of its partner institutions.
