(2023) What Prepaid Cards work with Zelle | List of supporting cards here

Prepaid cards issued by ‘Zelle Network banks’, Chase Liquid Card and PNC Smart Access Card work with Zelle.

Do you want to know what cards work with Zelle?

Can you use a credit card on Zelle?

If these are your question, you have come to the right place.

In this post, we have talked about all you need to know about using debit, credit, and prepaid cards on Zelle.

Whether you are a new Zelle user or already using the service to transfer money, you should know the details that have been discussed in the post about the prepaid cards on Zelle.

So, let’s get started.

Does Zelle accept prepaid cards

Yes, Zelle only accepts prepaid cards issued by ‘Zelle Network banks’, Chase Liquid Card and PNC Smart Access Card.

So, this means most users will not be able to use their prepaid card on Zelle to send or receive money. As the list of prepaid cards that work with Zelle is limited.

If you try to add your prepaid debit card apart from those mentioned above with Zelle, you will receive an error saying that the card you are trying to use is ineligible.

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Can I use Zelle without a debit card

Yes, you can use Zelle without a debit card. If you don’t have a debit card, it is not a problem, but you must have a bank account to use Zelle.

Zelle works with over a thousand banks. But, still, if your bank is not available in the Zelle network, you will require a debit card that you will add to the Zelle app to receive or send money.

Now, if you don’t even have a bank account, then you can try Transferwise borderless account. It gives you an online account, but you can put any old currency into it (except cryptocurrency).

When you sign up for Zelle via its app, you can add Transferwise debit card. It’s powered by MasterCard, and acceptable for use with the Zelle app.

Can I use a credit card on Zelle

No, you cannot use a credit card on Zelle.

Zelle was designed to transfer money between bank accounts. So, you can only use your debit card associated with your bank or just your bank account to send or receive money using Zelle.

What prepaid cards work with Zelle

Only prepaid cards are issued by Zelle Network banks, such as Chase Liquid Card and PNC Smart Access Card. Prepaid cards other than these mentioned above, do not work on Zelle. 


Does Zelle work with Green Dot

No, Zelle doesn’t work with Green Dot. As Green Dot card is a prepaid debit card and Zelle doesn’t accept any debit cards at the moment.

What debit cards work with Zelle

Almost all Visa and Mastercard-powered debit cards work with Zelle. You can simply link the bank associated or any other participating debit card to the official Zelle app. The payments can be made directly from the debit card to recepient’s bank account.

Zelle not accepting debit card: Here is why

1. Make sure you are using a Visa or Mastercard debit card

Zelle only accepts Visa and Mastercard debit cards tied to a bank account in the U.S. If you are using any other card on Zelle, it will not work and you will receive an error the card is ineligible to use.

2. You are using a Prepaid card

Also, Zelle does not accept business debit cards, credit cards, cards linked to international accounts, gift cards, or prepaid cards from financial institutions outside the Zelle Network.

Some prepaid cards that fall under the Zelle network are Chase Liquid Card and PNC Smart Access CardSo, if you are using a prepaid card other than these mentioned, they won’t work.

3. You are entering the incorrect card credentials

Another reason you cannot link your debit card with Zelle is that you are entering the wrong details of your card.

So, make sure you are entering the details such as debit cardholder name, Zip code, expiry date, CVV number, and other information correct, which are also linked to your bank account.

4. Your card is not enabled for fast fund transfers

Some debit cards are incapable of receiving money or funds in minutes. So, these types of cards that are not enabled for ‘fast funds transfer’ cannot be used with Zelle.

If your card is not working with Zelle, make sure that it has fast transfer enabled.

SEE ALSO: Why did my Zelle payment fail? What happens next?

5. Your Debit card is linked to accounts based in a U.S. Territory

Zelle does not work with the debit card linked to the account-based in U.S. Territory.

U.S. Territories include American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands. 

So, if your account is based in any of these territories, it will not work with Zelle.

6. Zelle’s servers are down or technical issues

Well, the points listed above were the main reasons why your card is not working with Zelle. But there can be several other reasons why you are not able to link your card with Zelle such as:

Well, if your Zelle App is not working, then there can be some other reasons why it is happening. If that’s your case, you can check out our dedicated article why is my Zelle App not working for more details.

Final Words

Zelle is the simplest way to send money to someone in the US. To transfer money to someone using Zelle, you don’t even require their bank account details. Money can be sent using just the phone number or email.

The best part of using Zelle is you don’t even require to install the Zelle App separately, as most of the bank’s apps house all Zelle features inside their apps.

Zelle is really one of the easiest, fastest, and safest money transfer services, but sometimes you might face issues while linking your debit card, as discussed in the post.

So, we hope you got all your answers related to issues with cards on Zelle.

Further Readings:

Zelle Not Working: Here are 6 Ways to Fix it

Why is my Zelle payment pending [Fix Guide]

What is my Zelle ID (2022)