Does Zelle work with cash app? Do Zelle work with cash app? These are the focus questions we shall be addressing in this article.
Zelle and cash app are different payment services which all let users send and receive money from friends, family remembers, loved ones or even clients and employers.
Just as stated above, both Zelle and Cash App are two different companies, but they offer almost the same services.
Since Zelle and Cash App offer the same services, that’s for sending and receiving payments; many people have thought if it would be possible to move money between the two. That is, whether it’s possible to transfer money from Zelle to cash app, or to transfer money from cash app to Zelle. That’s why many of our readers have been asking us, “Does Zelle work with cash app”.
If you are part of those bothered by the same question, you have landed at the right place. We shall make you understand everything you need to know about Using Zelle and Cash; whether Zelle and Cash are compatible.
What Is Zelle?
Before we address the question, “does Zelle work with cash app?”, Let’s first understand more about Zelle is all about.
Zelle is a payment service through which you can send and receive money from people, easily and quickly. It is a P2P mobile payment platform similar to PayPal, Venmo, and so on.
One interesting thing about Zelle is that it does not charge any fee, and that’s why many people always love to use Zelle for their transactions.
If your bank offers Zelle, all you need is just the email or phone number of the recipient, to send money through Zelle.
How Does Zelle Work?
Before we proceed to address the question, – “do Zelle work with cash app?” Let’s first understand how Zelle works.
With Zelle, you can send money to anybody, regardless of the bank they are using. This means that you can use Zelle to send money from one Bank to another, at no fee.
To use Zelle, you would have to download Zelle and sign up on the app. If your bank offers Zelle, there may be no need to download Zelle. You can access Zelle from your bank’s Website or mobile app; that’s only if your bank offers Zelle. Any bank that offers Zelle always have Zelle as one of the transfer options, listed on the transfer menu; so you can access Zelle from there even without having the Zelle app.
If your bank or credit union does not offer Zelle, you can download the Zelle app, and sign up. But in this condition, you are limited to sending a maximum of $500 per week via the Zelle app.
With Zelle, you can send money to anyone with a U.S. bank or Credit Union Account. To send money to anybody, all you need is their email address or phone number.
Note that Zelle doesn’t have a digital wallet. All the payments made to Zelle are moved directly to its linked bank account.
If the person you are sending the money is already enrolled in Zelle, they will receive the money directly into their bank account within minutes, as long as the bank account is linked with Zelle. In this case, you don’t really need to enter the person’s bank account details. All you need is the person’s email or phone number that is linked to their Zelle account. Zelle will move the money directly to their bank account as long as the bank account is linked to Zelle.
But when you send money through Zelle to anyone that is not enrolled in Zelle, they will receive a text or email message, providing them with a guide on how to get the money.
If you send money through Zelle to anyone that is enrolled in Zelle, they will receive the money in just a few minutes. But if the person is not enrolled in Zelle, it may take 1 to 3 business days for them to receive the money.
What Banks Use Zelle?
Though you can use Zelle even if your bank doesn’t offer it, using Zelle becomes smoother if your bank offers it. Below are some of the banks that use Zelle.
- Bank of America
- PNC Bank
- Ally Bank
- Bmo Harris Bank
- Connectone Bank
- Us Bank
- Bank Of Hawaii
- Chase Bank
- Amegy Bank, etc…
How Can I Find Out If My Bank Or Credit Union Uses Zelle?
Just as said earlier, using Zelle becomes smoother if your bank or credit Union uses Zelle.
You can easily check to know if your bank uses Zelle. To do that:
You just have to check the website or mobile app of your financial institution.
- Open the app or Website.
- Look under the Transfers menu.
- If your bank/financial institution offers Zelle, you will see it as a transfer option on the transfer menu.
- Alternatively, you can check Zelle Website. Zelle has a searchable list of participating banks and credit unions on its website.
Does Zelle Work With Cash App?
No, Zelle doesn’t work with Cash App. Zelle and Cash App are two different payment services, and cannot be linked together.
When you try to enter your Cash App card information on Zelle, you will get an error message – “your card is not eligible to be linked”.
How Can You Send Money From Zelle To Cash App?
Now that we have addressed the question, – “Do Zelle work with cash app?”, Let’s know if it’s possible to send money between the two payment platforms.
It is not possible to send money directly from Zelle to cash app. However, there is a trick to that, you can still do that indirectly.
To Send Money From Zelle To Cash App, you need to have a bank account that links to both your Zelle and Cash App accounts.
Send the money through Zelle to the bank account that is linked to your cash app account. Then from that bank account, you can move the money to your cash app.
Is Zelle Better Than Cash App?
I may not be in a position to say that Zelle is better than cash app. However, you may make some comparisons and make your choice.
- In terms of fees, Zelle is a free service, which you can use to send money to anybody at no cost.
- But the cash app charges a fee for every transaction you do.
- Zelle doesn’t have a digital wallet. All the payments made to Zelle are moved directly to its linked bank account.
- But Cash App has a digital wallet facility, and you can use it to hold money, make payments, and other services.
Conclusion
Zelle and Cash app are two different payment platforms, and as such do not work together. You cannot link two of them together.
This means that you may not be able to send money from Zelle directly to cash or vise versa. However, there is still an indirect way to do this. Which is to send the money through Zelle, to the bank account that is linked to the cash app. Then move the money from the bank account to the cash app.
