Why is Zelle taking so long to transfer/ receive money

Zelle is a mobile payment application that enables peer-to-peer (P2P) money transfers, which streamlines the process of making payments for goods and services and makes it simpler to move money without the need to handle currency or go to the bank.

Zelle was created by over 30 of the most prominent banks in the United States, and it has a built-in application that people may download to their mobile devices.

Additionally, the service may be accessed via the mobile banking applications of major partner institutions such as Bank of America, Chase, Citi, and Wells Fargo.

Zelle may be used immediately by customers who already have the mobile banking app for their financial institution.

Why is Zelle taking so long to transfer money

Short Answer: The money transfer via Zelle is taking a long time possibly because the receiver hasn’t registered themselves with Zelle profile. Alternatively, it could also be you provided the wrong email address or U.S. mobile number. In circumstances where your account has insufficient funds, for your own safety, payments may be held up by Zelle.

If you transfer money to a Zelle user who is not registered to the service, they will be prompted to sign up for the service via a notice that will be sent to them.

After the receiver has successfully signed up for Zelle, only then will the funds be sent.

How to Set Up Chime to Work With Zelle

Your money will be held up and you will be required to re-register for the service if the email address of the receiver you have entered is wrong.

In the case that there are not enough funds in your Zelle account to cover the payment, the Zelle app, on its own, will immediately reject the transaction.

If your payment via Zelle is still delayed, it is suggested that you consider cancelling the payment.

In case you have not yet completed a payment that is due, you need to do it within the next fourteen days in order to prevent getting any warnings stating that the payment is past due.

If you check the details provided properly, the problem should disappear within seven to fourteen days after it has been reported to the company.

When you transfer money using Zelle, you might be held accountable for a delay in the transaction if you submit inaccurate information.

In the event that this does occur, you need to retry transferring the money.

In the event that the first effort is unsuccessful, you have up to two weeks to submit a refund request.

You need to make sure that your internet connection is quick in order to avoid experiencing any more delays.

Why is it taking so long to receive my Zelle payment

There is a good chance that the Zelle payment you are awaiting is taking longer to arrive than anticipated because either you have not signed up for Zelle or the person who is sending you the payment has not entered the appropriate credentials.

You will get a reminder reminding you to sign up for Zelle if you haven’t already done so.

It is possible that it may take up to three business days for the money to be sent to your account once you have successfully registered yourself.

It is also essential that you confirm with the individual who sent the money that they have signed up for Zelle and that they have supplied the right email address or mobile phone number for you.

How long does it take to receive money with Zelle

When using Zelle, money is often made accessible to a registered user within minutes after the payment has been made. Transactions may be completed in a matter of minutes if the receiver has previously registered their email address or US cell number with Zelle.

If you transfer money to a Zelle user who is not registered in the service, they will be prompted to sign up for the service via a notice that is sent to them. Following enrolment, the funds will be sent immediately to the account of the receiver.

Zelle money transfer
Image source: The Verge

If your payment is still waiting, we advise you to check both that the person you sent money to is a Zelle user and that the email address or U.S. mobile phone number you provided is valid.

You should check your email or your text messages to see whether you have gotten a notice that you have been paid if you are currently waiting to receive money.

If a payment notice has not been sent to you and you have not received one, you should follow up with the sender to ensure that they supplied the right email address or cell phone number in the United States.

Why is my Zelle taking 1-3 days?

If it is your first time using Zelle to receive or transfer a payment, the process might take anywhere from one to three business days.

The time it takes for the receiver to get their first payment after signing up might range anywhere from one to three business days.

Zelle has included this safety measure onto its platform in order to provide more protection to its users whenever they transfer or receive money using Zelle.

Once the first payment has been processed, subsequent payments to the receiver will be able to be made much more quickly, generally within a matter of minutes.


1. Is there a cost associated with using Zelle?

Zelle, in contrast to certain other P2P transfer platforms, does not impose any fees on its users.

Venmo and Cashapp both require customers to pay a fee when they transfer money using a credit card or when they wish to instantly deposit monies into their bank account after receiving payments.

Because of these costs, which may vary from 1.5 percent to 3 percent, the transfer of huge quantities of money can be rather expensive.

2. Can I cancel a payment in Zelle?

If the receiver of your Zelle payment has not yet signed up for the service, the transaction will not go through and the money will not be deducted from your account.

In the event that the receiver does not enroll within the allotted time frame of 14 days, the payment will be null and void, and a new transaction will be required.

If the receiver of your Zelle transfer has already signed up for the service, the funds will be sent to the recipient’s bank account immediately and the transaction cannot be reversed.

In the event that you send money to the incorrect individual, the quickest course of action is to get in touch with the receiver within the next few minutes.

You can also give the Zelle Customer Support a call at (225) 687-5940 so that they can assist you in the event that you are unable to get your money back.

Final words

Even if you bank at a location that does not now provide Zelle to its clients, you may still use Zelle to send and receive money in a timely manner without incurring any fees.

Reimbursing friends or paying your preferred hairdresser can be accomplished with just a few clicks and does not need you to provide any sensitive financial information.

In the realm of peer-to-peer (P2P) payments, the fact that the money you send will reach safely and in a matter of minutes, despite the fact that there are restrictions on the amount of money you may send, is certainly a benefit.

Further Reading:

(2022) Why is my Zelle payment pending [Fix Guide]

(2022) Does Cash App work with Zelle (No, here’s Workaround)

[Fix] Wells Fargo Zelle not working (Temporarily Unavailable)

(2022) What Prepaid Cards work with Zelle | List of supporting cards here