You can send money to almost anyone you know and trust with a bank account in the U.S. All you need is an email address or U.S. mobile phone number of the person to whom you’d like to send payment.

We recommend only using Zelle with friends and family you know and trust. Always use discretion when sending money. Once you have authorized and made a payment through Zelle, it may be impossible to reverse the payment or recover the funds.