What Is The Zelle Transfer Limit?

What Is The Zelle Transfer Limit, July 2021

Learning the Zelle transfer limit is essential before you decide to sign up. However, there are different transfer limits for different banks. In this post, I discuss the specifics and much more. 

Sending money to someone has never been this easy – you no longer need to carry cash or write/mail a check to make a payment. You can just use Zelle!

However, as with every financial tool, there are limits to how much you can transfer with Zelle. The transfer limits for Zelle differ from bank to bank, but most banks have a transfer limit of $1000 a day and $5000 a month.

Learning the specifics and understanding how much your bank allows you to spend on a daily and monthly basis is vital before you decide to use Zelle to carry out payments.

In this post, I will detail the Zelle limits for the most popular banks in the U.S.

What Is Zelle?

Zelle is among the most popular peer-to-peer mobile payment applications available for use.

It enables sending and receiving funds to and from a bank account extremely simple.

The application works within the United States only and requires users to create an account. 

After you’ve created your account on the Zelle network, you can connect your bank account to it and use your mobile device to make a payment.

The only thing you need is the recipient’s phone number – no need to rush to the ATM or write a check.

Zelle Transfer Limit

The majority of U.S. banks accept Zelle as a payment mode, which means you can use a Zelle account to both send and receive money in a matter of seconds.

However, finding the transfer limit for your account can be confusing – there is no universally set limit, and different banks have different daily and monthly Zelle transfer limits.

If you’re considering using Zelle to make payments and receive funds, you can learn your transfer limit using my list below.

Bank Of America

Bank of America is one of the biggest banks that supports Zelle. The bank allows you to transfer a maximum of $2500 a day.

It’s also important to note that the bank limits the number of transfers you can make per day to ten.

If you have an account with Bank of America, you can use their mobile banking application or visit their website to transfer money to Zelle users. 

Using their official platforms is free, and all you need to make the transfer is the recipient’s email address or phone number.

The bank also has a set weekly transfer limit of $10,000, and Zelle users can make no more than 30 transfers in a given week.

The monthly transfer limit is $20,000, and you can make a maximum of 60 transfers in that period.

While the limits on Zelle transfers are somewhat stringent, there are no limits to how much you can receive via Zelle.

Chase Bank

Like Bank of America, Chase Bank also does not enforce a limit to how much you can receive via Zelle. 

However, the amount you can transfer depends on the kind of bank account you have with Chase.

If you have a personal Chase checking account or a Chase Liquid card, you can only send a maximum of $2000 a day. Your monthly limit is $16,000. 

On the other hand, if you have a Chase business checking account or a Private Client account, you have increased limits.

You can transfer up to $5000 in a day and $40,000 in a month.  There are no limits to how many transfers you can make, so Chase Bank is better than BoA in this respect.

Wells Fargo

Wells Fargo approaches Zelle transfer limits in a completely different manner. The transfer limit does not depend on the type of account you have.

Instead, it depends on the age of the recipient’s account.

If your recipient has a well-established bank account, you will be able to send them up to $2500 in a day via your Wells Fargo account. You can transfer a total of $20,000 every month.

On the other hand, if the recipient has a newer bank account, Wells Fargo only allows you to transfer $4000 to the account in a month.


The transfer limits of your Citibank account depend on both the age and type of account you hold.

If your account is older than 90 days, your Zelle transfer limit is set to $2000 per day. You are also limited to transferring $10000 per month.

But these limits only apply to you if you hold a Citibank Basic or Access account. 

If you have a Citi Priority, Citigold, or a Citi Private account, you can transfer up to $5000 per day and up to $15000 per month.

But regardless of which account you hold, if you’ve been a customer for less than 90 days, you can only transfer up to $1000 per day. Your monthly limits are also lowered to $5000.

U.S. Bank

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U.S. Bank sets different limits for every customer. If you have a U.S. Bank checking account, your daily limit will vary between $1000 – $2500. 

The monthly limit varies between $4000 – $10000 per day.


USAA only allows you to transfer $1000 a day, and customers have a weekly transfer limit of $2500.

It’s also important to note that the bank only allows customers to make a maximum of three transfers a day.

Citizen’s Bank

The daily transfer limit set by Citizen’s Bank is $1000, and the monthly limit is $5000.

Ally Bank

You can send up to $5000 in a day if you have an account at Ally Bank. However, the monthly limit is $10000.

PNC Bank

PNC Bank allows you to send only $1000 a day and $5000 a month.

T.D. Bank

T.D. Bank has the same limits as PNC Bank. The daily limit is $1000, and the monthly limit is $5000.

But if you can wait for up to three days for processing, the bank offers an increased limit of $2500 a day and $10000 a month.

If your bank does not officially support Zelle, you can still use it to transfer money. But your weekly sending limits will be fixed to $500.

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