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Zelle App Shuts Down. Here's How to Still Digitally Send Money for Free

Zelle killed off its free mobile app, but many banks still support its digital money transfers.

Headshot of Kelly Ernst
Headshot of Kelly Ernst
Kelly Ernst Editor
Kelly is an editor for CNET Money covering banking. She has over 10 years of experience in personal finance and previously wrote for CBS MoneyWatch covering banking, investing, insurance and home equity products. She is passionate about arming consumers with the tools they need to take control of their financial lives. In her free time, she enjoys binging podcasts, scouring thrift stores for unique home décor and spoiling the heck out of her dogs.
Kelly Ernst
2 min read
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More than 2,220 banks natively support sending money via Zelle.

 James Martin/CNET

There are tons of digital payment apps for sending money to friends, family or for paying for services, but if you've been using the Zelle mobile app, you'll need to find something new. The service decided to shutter its free app on April 1.

That doesn't mean you can't use Zelle altogether. Zelle has only discontinued its standalone app, so you can still send money using Zelle if your bank belongs to the Zelle network. You'll just need to do it through your bank's app or website. You also have other services to choose from. Here's what you need to know about this change and your options moving forward.

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Why the Zelle app is shutting down

When Zelle launched in 2017, only about 60 US financial institutions offered the service by the end of that year. Today, that number exceeds 2,200. As a result, less than 2% of Zelle transactions occur through the standalone app. Zelle has been phasing out the ability to make transactions on its mobile app since October 2024.

"Today, the vast majority of people using Zelle to send money use it through their financial institution's mobile app or online banking experience, and we believe this is the best place for Zelle transactions to occur," Zelle said in an October 2024 press release. 

In December, Zelle was in the spotlight when the Consumer Financial Protected Bureau sued the company and three of the largest US banks for failing to protect consumers from widespread fraud on the peer-to-peer payment network. The lawsuit has since been dropped.

Other ways to send money digitally

You can still use Zelle through your bank's app or website if it belongs to the Zelle network, which includes Bank of America, Chase, Wells Fargo, TD Bank, PNC Bank and Citi.

You can also switch to another digital payment app, such as:

  • Apple Wallet
  • Cash App
  • PayPal
  • Venmo

Take some basic precautions when using Zelle or any other digital payment service. These apps are a frequent target for scammers, and Chase Bank has started blocking some Zelle payments it believes could be fraudulent. Only send money to people you know and trust, and watch for red flags like an urgent message claiming to be from your bank or an online ad for concert tickets that seem impossibly cheap.

More Zelle coverage