How to send and receive money with Zelle®¹
Send money to – and request it from – trusted friends and family who bank in the U.S., with J.P. Morgan Online℠ and the J.P. Morgan Mobile® app.²
You only need your recipient’s phone number or email address.3 Money received will be made available for use in the indicated checking account.
Note: both you and your recipient must be enrolled in Zelle® to use the feature. If your contact does not bank with J.P. Morgan, they can enroll in Zelle® through their U.S. financial institution or by getting the Zelle® app directly.
Here’s how to get started:
- Sign in to JPMorganOnline.com
- Select “Pay & transfer”
- Select “Pay bills & send money with Zelle®”
- Select "Get started" (you may need to agree to terms and conditions)
- Choose your account, and select or add an email or U.S. mobile number
- Select “Next”
- Enter the code sent to your phone or email, and select "Next"
- Select "Done" or "Send or request money"
- Sign in to JPMorganOnline.com
- Select “Pay & transfer”
- Select “Pay bills & send money with Zelle®”
- Choose the person you want to pay from your list of recipients, add a new person, or key in the email or mobile number of your desired recipient
- Enter the amount to send and the account to use
- If you want to setup a recurring payment you can enter those details, too
- Select "Next”
- Review your request and select "Send money"
- Sign in to the J.P. Morgan Mobile app
- Tap “Pay and Transfer”
- Tap "Send Money with Zelle®"
- Tap "Get started" (you may need to agree to terms and conditions)
- Choose your account, and add an email or U.S. mobile number.
- Tap “Next”
- Enter the code sent to your phone, and tap "Next"
- Tap "Done" or "Send or request money"
- Sign in to the J.P. Morgan Mobile app
- Tap “Pay and Transfer”
- Tap "Send money with Zelle®"
- Choose the person you want to pay from your list of recipients, add a new person, or key in the email or mobile number of your desired recipient
- Enter the amount to send and the account to use
- If you want to setup a recurring payment you can enter those details, too
- Tap "Review & send"
- Review your request and tap "Send it now" to send the money
Send money to a new trusted contact by scanning a QR Code
- Sign in to the J.P. Morgan Mobile app
- Tap “Pay and Transfer”
- Tap "Send money with Zelle®"
- Tap “Scan QR code to pay with Zelle®"
- Scan your recipient’s QR code
- Hint: your recipient can follow the steps above in their own account and toggle to “My code” to retrieve their code for you to scan
- Enter the amount to send and the account to use
- If you want to setup a recurring payment you can enter those details, too
- Tap "Review & send"
- Review your request and tap "Send it now" to send the money
Frequently Asked Questions
Zelle® is a digital payments network that allows you to send and receive money from trusted individuals – such as friends and family who bank in the U.S. All on the J.P. Morgan Mobile app.
Even if your contact does not bank with J.P. Morgan, they can use Zelle® through their U.S. financial institution or by getting the Zelle® app directly.
1Enrollment in Zelle® with a U.S. checking or savings account is required to use the service. J.P. Morgan Chase clients must use an eligible J.P. Morgan Chase personal or business checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile app experience. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the J.P. Morgan Mobile® app or J.P. Morgan Online℠. Limitations may apply. Message and data rates may apply.
Only send money to people and businesses you trust. Neither J.P. Morgan Chase nor Zelle® offers a protection program for any authorized payments made with Zelle®, or provide coverage for non-received, damaged, or not-as-described goods and services you purchase using Zelle®, so you might not be able to get your money back once you send it.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
2J.P. Morgan Mobile ® app is available for select mobile devices. Message and data rates may apply.
3Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
Feature availability - and the steps to access features - may vary based on profile or account type, client segment, device and/or eligibility requirements.
