How do I use Zelle®?

To Send money

Select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To Request Money 

Choose “Request”, select the individual from whom you’d like to request money from your mobile device’s contacts, enter the amount you’d like to receive, include an optional note, review, and hit “Request”. 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 mobile number.

To Receive Money: 

Share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your SoFi Checking account, typically within minutes¹.

To Split The Cost: 

The Split feature can be used to request funds from multiple people.

Choose “Split,” select the individual(s) from whom you’d like to split the cost of an expense, and enter the amount you’d like to request from them (You will have the ability to edit the amount split among the users involved. It will default to even split.) include an optional note, review and hit “Split”. If the person(s) 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 mobile number.

¹ U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.