The Four Best Alternatives to Zelle

Zelle's standalone app is gone, but its peer-to-peer payment functionality lives on within many banking apps. Check if your bank supports Zelle using their search tool; over 2,200 banks already have it integrated. If not, consider these top Zelle alternatives:

Venmo: Send up to $60,000 weekly after verification. Transfers to your bank are free (1-3 days), or instant (1.75% fee). Sending from your Venmo balance or linked bank/debit card is free; credit card payments incur a 3% fee. Remember to adjust privacy settings to protect your transaction details. Available on iOS, Android, and web.

PayPal: A well-established option for sending money to friends, family, and for online purchases. Sending via "Friends and Family" from a linked bank account or PayPal balance is free, as are standard withdrawals (instant transfers cost 1.75%). Fees apply to international transactions, currency conversions, and personal credit card transactions. Available on iOS, Android, and web.

Cash App: Similar to Venmo, allowing free peer-to-peer transfers from linked bank accounts or debit cards. Standard transfers are free; instant transfers have a 0.5%–1.75% fee. The recipient will be prompted to create an account if their contact info isn't already linked. Cash App also supports Bitcoin transactions. Available on iOS, Android, and web.

Apple Cash: Integrated into iOS and accessible on the web, Apple Cash lets you send money to other iPhone users through Messages, Wallet, or Tap to Cash. It's a digital card in your Apple Wallet. Transfers to your linked bank account are free (standard timing); instant transfers to your debit card cost 1.5%. The maximum send/receive limit is $10,000 per message and per 7-day period.

Protecting Your Privacy: While these apps offer security features, always exercise caution. Only send money to trusted contacts and utilize security settings like identity verification and restricted account visibility.

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