What happens if you Zelle the wrong person/ number

If you sent Zelle to the wrong number it is not possible to get the money back. But you can try contacting the number and get the money back, charge a dispute, and contact your bank and Zelle support for more assistance.

Did you send money to the wrong person or number on Zelle?

Are you finding ways to get a refund on Zelle?

Well, you are probably here as you didn’t find answers to your questions even after wandering through multiple Google search pages.

You need not worry, your search ends here. Here, we will be discussing everything you need to know if you made a transaction on Zelle by mistake.

We have included answers to some additional questions as well. Make sure to check them out as well.

What happens if you Zelle the wrong person

If you sent money to the wrong person on Zelle there is nothing much that can be done. Zelle payments are made instantly and are irrevocable. That’s why you cannot do much to get your money back. But, you can try filing a chargeback on Zelle.

It is not possible to get a refund on Zelle. But, there is always hope. You can try some steps mentioned below to get back your money.

The procedure mentioned below might take a lot of your time and effort. You must understand the value of your time. Proceed only if you have lost a relatively significant amount.

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#1 Contact the recipient

Before you proceed with any other step. We will suggest you contact the person to whom you sent the money mistakenly.

Let them know the whole situation and make sure to tell them how much the amount means to you.

The 21st-century world is cruel, but there are people to balance the world with their kindness.

If the stranger is honest, you might get your money back without getting hassled.

ALSO READ: Why did my Zelle payment fail?

#2 Charge a Dispute

Never ever get carried away and dispute the charge in a hurry.

Only proceed if you have made sure that the stranger, to whom you paid mistakenly, is not agreeing to pay the amount back to you.

This procedure takes time and is not always successful. Sometimes, you might not get the expected outcome even after trying hard.

But, if the amount is significant to you, it is worth trying.

By charging a dispute, you tell your bank that the payment has been made without your consent. And the bank will crosscheck your claim.

And the bank will refund you back the amount of your claim is legit.

#3 Contact Zelle Support

You can tell the Zelle support team about this issue. Well, there is a high probability this won’t work. But, again, if the amount is a significant one, you must try contacting Zelle once.

You can ring on Zelle customer service number at 00 1 501-748-8506.


You can also reach out Zelle’s official Twitter account and tag them in a Tweet post describing your issue.

Attention – Zelle would never call you for any kind of support or offers. You must report or ignore calls like these. You might lose your hard-earned money to online scams.

#4 Contact your Bank

If the Zelle support team doesn’t help you with the issue, you should try contacting your bank.

To contact your bank, make sure to reach them through official channels. The details can be found on the official website of the bank.

You can reach the bank on Twitter as well. Create a Twitter post and tag the official Twitter handle of the bank and wait for the pingback. And make sure to not include any personal details like bank account credentials and even phone numbers.

You will be asked to share some additional details on DM. Share details and describe your issue precisely.

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Can you chargeback on Zelle?

Yes, you can chargeback on Zelle to reverse a transaction that is unwanted or has been made mistakenly. You can chargeback on Zelle by contacting your bank. Describe your situation and take them through the happening. And if the bank finds your chargeback legit, you will be able to get your money back without an issue.

If you have been tricked by someone into a scam to lose money from your account. You must contact the bank right away to charge a dispute. And you would get your money back for sure.

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

What happens if you Zelle money to a closed account?

When you Zelle money to a closed account, Zelle put the transaction on hold. Allowing the user on the other hand to re-login to the app again and claim the money in 14 days. In case, the account remains closed, you would get your money back after 14 days.

And if you wish to get your money back before that, you can choose to cancel the payment. This will signal Zelle to cancel the payment, and you will get your money back.

Follow the quick guide mentioned below to cancel Zelle payment.

Step 1 – Open Zelle app

First things first. Open the Zelle app on your mobile device. You can choose to proceed with any mobile device.

The same will be the same for all mobile platforms.

Step 2 – Go to the Zelle Experience option

Right after you open the app. You will need to go to the Zelle Experience option.

Step 3 – Go to Zelle Activity page

Now, go to the Zelle Activity page. There you will be able to find the history of all the transactions that were approved by you.

Step 4 – Select payment you want to cancel

On the Zelle Activity page. You need to select the payment that you want to cancel.

You can find it using the name. Select it.

Step 5 – Select the ‘Cancel this payment’ option

And finally, after selecting the payment, you will be able to see some options.

Here, you just need to select the ‘Cancel this payment’ option. And you will be able to cancel the pending payment.

As we have already mentioned, you must know that you can only cancel a payment if it has been made to someone who is not enrolled on Zelle.

Payments to other Zelle users are made instantly and cannot be canceled once made.

And that’s it.

That was all you needed to know about what happens if you Zelle money to a closed account.

Hope you guys got the answer now.

Can you get a refund on Zelle?

No, you cannot get a refund on Zelle. Like other wire transfer apps, the payments made on Zelle are instant and cannot be revoked. But, if you lost your money to a scam or there was an unauthorized money transaction through Zelle, you can always file a chargeback.

Filing a chargeback doesn’t guarantee you the refund, but if the bank finds out your dispute to be legit, you will definitely get your money back.

But, if you made a transaction by mistake, the chances of a refund, in that case, are relatively low.

So, only proceed with a transaction only after making sure you are paying the right person.

SEE ALSO: “Someone accidentally sent me money on Zelle” – What to do?


1. How to refund Zelle payment?

You cannot refund Zelle payment, even if you have made a mistake by yourself. But, can try once to file a chargeback on Zelle by contacting your bank if it involves a significant amount. On finding your dispute legit, the bank will refund your payment.

Final Words

And that’s all.

We have tried our best to include all the details that you should know if you have sent money to the wrong person on Zelle.

In the first part of the guide, we mentioned a quick guide on what you should do if you send money to someone else mistakenly.

Along with the guide, we answered to some of the most asked queries related to the issue.

Hope, you have got the answer. Let us know if you need any kind of assistance on the same.

Further Reading:

Does Zelle work with Netspend? How to add it?

What Prepaid Cards work with Zelle (2021)

Why did my Zelle payment fail? What happens next?

Zelle Not Working: Here are 6 Ways to Fix it

Why is my Zelle payment pending [Fix Guide]