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Early Warning Services · Launched 2017
Bank-owned instant transfer network built into most US banking apps. Free between consumers and, critically, irreversible, there is no dispute process, which is why it is not a merchant checkout rail.
A scheme- or regulator-set rate, or a widely reported figure. Source: Zelle is free to consumers at participating banks.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a $100.00 payment for comparison.
| Market | Listed fee | Cost on 100 | Effective | Since | Basis |
|---|---|---|---|---|---|
| United States | No fee | $0.00 | 0% | 1 Jan 2019 | Reported rate |
Every recorded change, newest first, with the movement from the rate it replaced.
In United States, on the online channel: No fee, in force since 1 Jan 2019 (reported rate). Fees differ by market and channel, and the table above lists each one.
It is priced in 1 market here: United States. A market missing from the list has not been recorded yet, which does not mean Zelle is unavailable there.
It is recorded as instant. Actual timing can depend on cut-off times and on the receiving account.
Not through a chargeback: it has no chargeback process, so a payment is hard to reverse once sent. Check who you are paying before you confirm.
It is built for sending money rather than for paying at a checkout, so it is listed with its real fees but left out of rankings of the cheapest way to receive a payment.
