Zelle limits vary depending on the bank or credit union that offers the service. If your bank or credit union does not offer Zelle, your weekly send limit is $500 and your weekly receive limit is $5,000 in the Zelle app. However, if your bank or credit union offers Zelle, you should contact them directly to learn more about their sending and receiving limits through Zelle. Most banks and credit unions do not impose limits on how much money you can receive via Zelle. Here are some examples of Zelle transfer limits by bank:
- Ally: Instant transfers: $2,000; Scheduled transfers (up to 3 business days): $5,000; Monthly limit: $10,000
- Bank of America: Daily limit: $3,500; Monthly limit: $20,000
- Capital One: Daily limit: $2,500
- Chase: $5,000 per transaction
- Citibank: Citibank Account, Basic Account, Access Account: Daily limit: $2,500; Monthly limit: $15,000
- Discover Bank: Daily limit: $600
- Quontic Bank: Per transaction: $500; Per day: $1,000
- TD Bank: Instant transfers: $1,000; Daily limit: $2,500; Monthly limit: $10,000
It is important to note that Zelle limits apply to the amount you can send for each transaction (per day and per month) and include all outstanding payments. Limits cannot be changed and are in place for your safety. Some banks may increase your Zelle transfer limit after your transaction history shows a pattern of transfers to the same person, but this kind of adjustment is typically done on an individual basis.
