What Is The Zelle Transfer Limit?

The Zelle transfer limit is around $1,000 per day and at least $5,000 per month – this article details this further by the bank. Sending money to someone without forking out cash or writing a check has never been easy. But with the increasing popularity of mobile payment apps in recent years, you literally won’t have to run to the ATM or mail a check.

What is Zelle?

Zelle is a Peer to Peer (P2P) mobile payment app that allows individuals to electronically send and receive money to and from their bank accounts using their mobile devices. The platform that only operates within the United States requires consumers to sign up on the Zelle network. Zelle is a P2P payment platform that enables consumers to send and receive money on their bank accounts in real-time without having to rush to the ATM or write a check. All you need is your mobile device and the recipient’s U.S mobile phone number.

Zelle Transfer Limit

So How Much Can You Transfer/Send Through Zelle?

Accepted by many major US banks, Zelle enables you to send money into your recipient’s bank account within minutes. However, there’s a lot of confusion as to how much you can send through Zelle. This is because banks allow for different daily and monthly Zelle limits.

If you need to send money to a family member, friend, or business associate, it would be wise to confirm your bank’s Zelle limit.

If your bank or credit union does not yet offer Zelle, your weekly send limit is $500.

Zelle Transfer Limits at Top U.S. Banks

So without further ado, let’s look at some of the transfer limits for Zelle below.

Bank of America

As one of the major banks that support Zelle, Bank of America offers a limit of $2,500 a day, with a total of 10 transfers. Through the bank’s Mobile Banking app or Online Banking, you can transfer money to other Zelle users absolutely for free as long as you have their U.S. mobile number or email address.

You can also transfer a limit of $10,000 within seven days with a total of 30 transfers. For one month, the bank allows a limit of $20,000 within 30 days, with a total of 60 transfers. While Bank of America limits the amounts that you can send through Zelle, there are no limits on what you can receive.

Each transfer must be between $1 and $2,500.

Wells Fargo

Like most banks that accept Zelle, Wells Fargo does not allow you to transfer in excess of their stipulated limits. However, the amount can still vary depending on a number of factors such as the type of your funding account, and the transaction history of your recipient.

Transferring to an established recipient from your Wells Fargo through Zelle can be up to a daily limit of $2,500 and a total of $20,000 per month. If you’re, on the other hand, sending money from Wells Fargo to a newer recipient through Wells Fargo, you can transfer up to $4,000 per month.

Chase Bank

Like most banks, Chase Bank doesn’t provide limits on the amount of money you can receive. However, the amount of money that you can transfer through Zelle has limits and also depends on the type of account you are using.

For instance, you can send up to $2,000 per day and $16,000 per month if you hold personal Chase checking accounts or Chase Liquid cards. Differently, you can send up to $5,000 per day and $40,000 per month if you have a Chase business checking account or
Chase Private Client account.


The limit of money you can transfer from your Citibank checking account to other users through the Zelle App varies depending on the type of your checking account, as well as your deposit history.

If you’ve been a Citi customer for more than 90 days, you can transfer a daily limit of up to $2,000 and a monthly limit of $10,000 if you hold Citibank Account, Basic Account, and Access Account. On the contrary, your Zelle App limit transfer is set at $5,000 daily and $15,000 monthly if you hold accounts such as Citi Priority, Citigold, and Citi Private Bank.

If you’ve been with Citi for less than 90 days, your limits are somewhat lower. You can transfer up to $1,000 daily and $5,000 monthly for any type of checking account.

Transfer Limits Using Zelle

U.S. Bank

With a U.S. Bank checking account, you can transfer a limit of up to $1,000-$2,500 a day and up to $4,000-$10,000 a month. These figures may, however, be subject to change at any time without notice.

You can view your limits before you initiate a Send Money with Zelle® transaction by clicking on “How much can I send?” adjacent to the Amount field.


While USAA allows you to make up to three payments per day, your transaction cannot exceed 21 transactions a week. That being said, your limit is set at a daily rolling limit of up to $1,000 and a rolling weekly limit of up to $2,500.

TD Bank

TD Bank offers a caveat that most banks do not offer. If you want to transfer money within minutes, you can transfer up to a daily limit of $1,000 and a monthly limit of up to $5,000.

If you’re patient enough and can wait for three days for the transfer to be complete, you can send up to $2,500 per day and up to $10,000 per month.

PNC Bank

PNC bank allows you to send a limit of up to $1,000 per day and up to $5,000 per month.

Citizen’s Bank

The Zelle Transfer Limit for Citizen’s Bank is a daily limit of up to $1,000 and a monthly limit of up to $5,000 if you hold a checking account at Citizen’s Bank.

Ally Bank

Ally Bank allows you to send or request up to $5,000 daily and up to $10,000 monthly (30 days).

Zelle Transfer Limits Conclusion

As technology moves the world more and more to our fingertips, we are at a point in life that you do not have to rush to the banking hall or to the ATM to send money or make transfers. There are a lot of mobile payment P2P platforms that allow you to send money to your family, friends, and business associates through your mobile phone.

Zelle App is one of these platforms, and you’ll absolutely love the way it works. All you have to do is sign up on the platform, and you’ll be able to send and receive money to your bank accounts easily.


  1. Wade August 25, 2019
    • Help October 6, 2019