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Zelle Discontinues Standalone App, Shifts Focus to Bank Integration

As of April 1, 2025, Zelle's app no longer supports transactions, with users directed to over 2,200 participating financial institutions for continued service.

Zelle is down but not out.
The Zelle application on a smartphone arranged in Hastings-on-Hudson, New York, US, on Wednesday, Jan. 25, 2023. Early Warning Services LLC, the payments company jointly owned by banks including JPMorgan Chase & Co. and Wells Fargo & Co. and operates the Zelle money-transfer service, is developing a digital wallet in an effort to challenge PayPal Holdings Inc.s dominance in online payments.
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Overview

  • Zelle's standalone app has ceased transaction functionality, requiring users to re-enroll through their bank or credit union to continue using the service.
  • The app, which accounted for only 2% of Zelle transactions, will now focus on consumer education about scams and fraud, and provide a directory of participating banks.
  • Users can access their payment history on the app until August 11, 2025, but it will not transfer to their bank's Zelle platform.
  • Zelle processed over $1 trillion in transactions in 2024, solidifying its position as the leading peer-to-peer payment service in the U.S.
  • The move to integrate solely through financial institutions aims to enhance security, addressing concerns about fraud that had targeted the standalone app.