Zelle transfer limit: this is the maximum amount of money you can send depending on your bank
Zelle allows you to send and receive money between bank accounts, but there is a limit to the amount that can be transferred.
Sending and receiving money between bank accounts has never been easier, thanks to the wide range of digital tools available today. One of the most popular options is Zelle — a user-friendly platform where transfers typically take just a few minutes, as it relies on the Automated Clearing House (ACH) system to speed up payments.
Zelle allows you to send money using just a phone number or email address, meaning there’s no need to exchange sensitive banking details. Although transfers happen quickly, there are limits on how much you can send — these limits vary depending on the bank.
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Know your Zelle max
For security reasons, some banks place restrictions on the number of transactions and the total dollar amount that can be transferred within a 24-hour period, a week, or a month. At the major banks, these are the current Zelle transfer limits:
- Bank of America: $3,500 per day and $20,000 per month
- BMO: $750 for instant transfers and $1,000 for scheduled transfers per day and $5,000 for instant transfers and $5,000 for scheduled transfers per month.
- Capital One: $3,000 per day.
- Chase: $500 to $10,000 per transaction.
- Citibank: $500 to $10,000 per daily transaction and $2,500 to $20,000 per month. month.
- First Bank: $1,000 per day and $3,500 per month.
- Wells Fargo: $3,500 per day and $20,000 per month.
It’s important to note that these limits vary based on the customer, account type, account balance, and payment history.
How safe is it to send money with Zelle?
In general, Zelle is considered a secure way to send money because transactions don’t require you to share confidential financial information. Even so, it’s a good idea to enable authentication and monitoring features to help ensure all payments are properly authorized.
That said, Zelle is best used for sending money to people you know and trust.
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