Zelle Discontinues Standalone App, Shifts Users to Bank and Credit Union Platforms

SCOTTSDALE, Ariz.—The standalone Zelle app is no longer available for sending or receiving money. Users are now encouraged to enroll through a participating bank or credit union’s app to continue using the peer-to-peer payment service, PYMNTS reported.

Zelle had announced in an Oct. 31 blog post that it would make this change, and it completed the move as of Tuesday (April 1), according to a frequently asked questions page on its website PYMNTS said/

“More than 2,200 banks and credit unions across the U.S. now offer Zelle through their mobile app or online banking site,” the company said on the FAQ page. “As a result of this growth, in October of 2024, we announced that we are removing the ability for users to send or receive money using the Zelle app starting April 1, 2025.”

PYMNTS noted that the page advised users of the Zelle app to visit a “find your bank” page on its website to see if their bank or credit union offers Zelle; to enroll through a bank or credit union to continue using Zelle; and to notify anyone from whom they previously received money through Zelle about the change.

Those who already use Zelle within their mobile banking app will see no changes and do not have to take any action, the page said, PYMNTS noted.

Users of the Zelle app will be able to view their payment history within the app until Aug. 11, per the page. Their payment history will not carry over from the Zelle app to the banking app in which they reenroll for the service, PYMNTS noted.

When Zelle announced its plans to change the app, it said in its blog post that the app was created when Zelle first launched in order to serve consumers whose bank or credit union had not yet joined the network, PYMNTS added.

“However, with more than 2,200 financial institutions on the network in October, the share of transactions that took place on the standalone app had dropped to about 2%,” PYMNTS said.

Following the phaseout of the ability to send or receive money, the Oct. 31 blog post said, “Users of the app will continue to be able to access it, but the app will be dedicated to consumer education about scams and fraud and provide a list of the more than 2,200 banks and credit unions that offer Zelle.”

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