Are you trying to send money with Zelle, but it’s not working? You’re not alone. Zelle is a popular money transfer service, but it can sometimes have problems.

Zelle is a popular peer-to-peer (P2P) payment service linked to your bank account, so you can send money without having to create an account or enter any credit card information. In this article, I’ll be explaining why Zelle won’t let you send money.

Why Zelle Wont Let Me Send Money

  1. You are not enrolled in Zelle

You must be enrolled through your bank or credit union to use Zelle. To enroll in Zelle, you must provide your bank or credit union with basic information, such as your name, email address, and phone number. You can usually enroll in Zelle through your bank’s mobile app or website. 

Once you are enrolled, you can start sending and receiving money with Zelle by simply entering the recipient’s email address or phone number. Transactions typically take minutes to complete and do not incur any fees.

  1. You are trying to send money to an international recipient
    Zelle is a popular money transfer service that allows you to send money to people in the United States quickly and easily. However, it is not available for sending money to international recipients. If you are trying to send money to someone outside the US, you must use a different service.
  1. You are trying to send more money than your daily limit

Each bank or credit union has a daily limit on how much money you can send with Zelle. If you are trying to send more than your limit, you will need to increase it.

Here are the steps on how to increase your Zelle daily limit:

  1. Log in to your bank or credit union’s online banking website or app.
  2. Find the Zelle section.
  3. Look for the option to increase your daily limit.
  4. Enter the amount you want to increase your limit to.
  5. Follow the instructions to complete the request.

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  1. Your account is flagged for fraud

If your account has been flagged for fraud, Zelle may temporarily restrict your ability to send money. This is done to protect you from fraudsters. If your account is flagged, you will need to contact your bank or credit union to resolve the issue.

How to Fix Zelle Not Sending Money

Here are some things you can do if Zelle is not sending money:

  • Check the recipient’s email address or mobile number. Ensure you have entered the recipient’s correct email address or mobile number. You can double-check with the recipient to ensure they have enrolled with Zelle and entered the correct information in their profile.
  • Make sure you are sending money to a Zelle-eligible recipient. Not all banks and credit unions offer Zelle, and not all people who have enrolled in Zelle have linked their bank accounts. You can check if the recipient is Zelle-eligible by contacting their bank or credit union.
  • Make sure your bank account is enrolled in Zelle. If you are sending money from your bank account, make sure your account is enrolled in Zelle. You can do this by logging into your online or mobile banking app and following the enrollment instructions.
  • Check your bank’s daily sending limits. Some banks have daily sending limits for Zelle transactions. If you exceed your daily limit, you cannot send money until the next day.
  • Try sending a smaller amount of money. If you are trying to send a large amount, try sending a smaller amount first. This may help to resolve the issue.
  • Contact Zelle customer support. If you have tried all of the above and you are still having trouble sending money with Zelle, you can contact Zelle customer support for help.

Tips for Avoiding Zelle Problems

Here are some tips for avoiding Zelle problems:

  • Only send money to people you know and trust: This is the most important tip to avoid Zelle scams. If you don’t know the person you’re sending money to, there’s a good chance they could be a scammer.
  • Double-check the recipient’s information: Before you send money, make sure you have the correct recipient’s name, email address, and phone number. A scammer could easily change one digit in the recipient’s information and trick you into sending money to them.
  • Don’t send money for goods or services you haven’t received yet: This is another common scam. A scammer might ask you to send money for something like concert tickets or a car, but then they never deliver the goods or services.
  • Beware of fake Zelle emails and text messages: Scammers often send fake emails or text messages that look like they’re from Zelle. These messages often ask you to provide your personal information or click on a link that takes you to a fake Zelle website. Do not click on any links in these messages, and do not provide any personal information.
  • Keep your security settings up to date: Make sure you have enabled two-factor authentication for your Zelle account. This will add an extra layer of security to your account.
  • Report any suspicious activity to Zelle or your bank: If you think you’ve been scammed, immediately report it to Zelle or your bank. The sooner you report it, the better your chance of getting your money back.

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Frequently Asked Questions

Why Has My Zelle Account Been Restricted?

If your Zelle account has been restricted, it could be due to a variety of reasons. According to Zelle’s official FAQ page, some common reasons for account restrictions include suspicious activity, incorrect login attempts, or exceeding transfer limits. If you believe your account has been restricted in error, you can contact Zelle customer service to resolve the issue.

Is There a Way to Contact Zelle Customer Service?

Yes, there is a way to contact Zelle customer service. According to Zelle’s official support page, you can call Zelle’s customer service team at 1-844-428-8542. The team is available from 10am to 10pm ET, seven days a week excluding New Year’s Day, Independence Day, Thanksgiving, and Christmas. Alternatively, you can fill out a contact form on Zelle’s website to receive assistance via email.


If you are experiencing issues with sending money through the app, there are a few steps you can take to troubleshoot the problem. These include checking your internet connection, verifying your recipient’s information, and contacting customer support for assistance. With this article, you can resolve any issues and continue to use Zelle for your financial transactions.


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