How to send and receive money with Zelle®¹
Send money to – and request² it from – trusted friends and family who bank in the U.S., with J.P. Morgan Online℠ and the J.P. Morgan Mobile® app.³
With 
you only need your recipient’s phone number or email address. 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 between 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.
Keeping your money and information safe is a top priority for J.P. Morgan Chase. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your J.P. Morgan Chase account safe.
Zelle® is a great way to send money to family, friends, and people you are familiar with who have a U.S. bank account such as your personal trainer, babysitter or neighbor.
Since money is sent directly from your J.P. Morgan Chase account to another person's bank account quickly, Zelle® should only be used to send money to friends, family and others you trust.
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
Neither J.P. Morgan Chase nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact your J.P. Morgan team for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
J.P. Morgan Chase does not charge clients additional fees for Zelle® transactions. You need an eligible J.P. Morgan Chase checking account to use Zelle®. Consult your account agreement for any associated account fees. Message and data rates apply depending on your mobile service provider.
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 purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
2Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
3J.P. Morgan Mobile ® app is available for select mobile devices. Message and data rates may apply.
Feature availability - and the steps to access features - may vary based on profile or account type, client segment, device and/or eligibility requirements.
