To use Zelle®, you need an eligible U.S. checking or savings account at a bank or credit union that offers it. If yours is outside the Zelle® network, you still have other ways to send and receive money.
How do I check if my bank or app has Zelle®?
To check, search for your bank or app on zelle.com. Zelle® is available in over 2,400 bank and credit union apps, and those are the only apps that have it. You can also look for Zelle® in your bank’s app or online banking.
If your bank or app is missing from the list, there’s no way to add your account or card to Zelle®. The standalone Zelle® app also stopped sending and receiving money on April 1, 2025. So if your money app is outside the Zelle® network, you’ll need another way to send and receive money.
Can I use Zelle® without a bank account, or outside the U.S.?
No. Zelle® only works between 2 U.S. bank accounts. You need one to use it, and so does the other person. That’s also why Zelle® is only available in the U.S.: banks in other countries, like Venezuela or Mexico, are outside the network.
Why is my Zelle® blocked?
There are 2 common reasons:
- Your app stopped offering Zelle®. This happens when an app leaves the Zelle® network. If you have an account at another participating bank or credit union, you can keep using Zelle® through its app.
- Your bank limited your access. Only your bank or credit union can tell you why and review it. Call the number on their website or on the back of your card.
If someone asks you to send money to “unlock” or “protect” your Zelle® or bank account, it’s a scam. Never send it.
How to pay and get paid without Zelle®
MAJORITY Pay is an alternative to Zelle® that’s built into the MAJORITY app. Use it to pay people and get paid, whether or not they’re MAJORITY members:
- Pay anyone. Pay your rent, pay back a friend, or split a bill with anyone who has a U.S.-issued Visa® or Mastercard® debit card, even if they’re not a member. They get a link, add their card, and the money goes straight to their card. Most payments arrive within an hour. Unclaimed money comes back to you after 6 days.
- Get paid by anyone. Send a payment link by WhatsApp or with a QR code. They pay with their U.S. Visa® or Mastercard® debit card, with no need to sign up for MAJORITY. The money reaches your account instantly.
- Pay other MAJORITY members instantly, with no fee. All you need is their phone number.
- Already use Venmo® or PayPal®? Link your MAJORITY account to them using its account and routing numbers. Then move the money you receive there to MAJORITY.
Paid in cash? Add it and use it the same day
Getting paid in cash is common, whether it’s for your main job or extra work on the side. But cash only goes so far when you need to pay rent, pay someone back, or send money home. With MAJORITY, you can add cash at 88,000+ locations. It’s usually in your account within minutes, ready to pay with MAJORITY Pay or send to your family the same day.
The bottom line
Zelle® only works through participating U.S. banks and credit unions, so check whether yours has it. If it’s outside the network, the MAJORITY app lets you pay people, get paid, add cash, and send money to family, all in one place.
The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.
