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 U.S. mobile phone number or email address to send and receive money. 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®”
- Or: Depending on your account type, select “Enroll now” beneath “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®”
- Or: Depending on your account type, select “Enroll now” beneath “Zelle®”
- Choose the person you want to pay from your list of recipients, add a new person, or key in the email or U.S. 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 JPMorganOnline.com
- Select “Pay & transfer”
- Select “Pay bills & send money with Zelle®”
- Select “Request & split”
- Choose the person from your list of recipients, add a new person, or key in the email or U.S. mobile number of your desired recipient
- If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number
- Enter the amount to request
- Select "Next”
- Review your request and select "Request money"
- Sign in to the J.P. Morgan Mobile app
- Tap “Pay and Transfer”
- Or: Tap “Pay & Collect”, depending on your account type
- 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”
- Or: Tap “Pay & Collect”, depending on your account type
- 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 U.S. 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
- Sign in to the J.P. Morgan Mobile app
- Tap “Pay and Transfer”
- Or: Tap “Pay & Collect” and “Collect & Deposit”, depending on your account type
- Tap "Request/split with Zelle®"
- Choose the person from your list of recipients, add a new person, or key in the email or U.S. mobile number of your desired recipient
- If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number
- Enter the amount to request
- Tap "Request 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”
- Or: Tap “Pay & Collect”, depending on your account type
- 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 fast and convenient way to send and receive money with people and small businesses you know and trust who have a bank account in the U.S. For a list of participating banks, please go to zellepay.com.
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, people, and small businesses 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.
Treat Zelle® like cash. Once you send money, you can’t cancel it if your recipient is already enrolled with Zelle®, and the payment is not future dated. They will receive the money typically in minutes and you most likely will not get it back even if you don’t get what you paid for.
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.
Please contact your J.P. Morgan team. Qualifying imposter scams may be eligible for reimbursement.
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.
Zelle® is intended for payments to recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces or through social media posts. Neither Zelle® nor J.P. Morgan Chase provide protection if you make a purchase of goods using Zelle® and then do not receive them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including information on reimbursement for fraudulent Zelle® payments, see your account agreement. Neither J.P. Morgan Chase nor Zelle® offers reimbursement for authorized payments you make using Zelle®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle®. This reimbursement program is not required by law and may be modified or discontinued at any time.
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.
