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23h ago

Zelle Outage Disrupts Payments at Major U.S. Banks

A vendor-related issue has delayed transactions for users at Bank of America, Navy Federal Credit Union, and TD Bank, with reports of service restoration underway.

The Zelle logo is displayed on a smartphone in February 2024.
In this photo illustration the Zelle logo seen in the background of a silhouetted woman holding a mobile phone.

Overview

  • Zelle users reported widespread payment delays on May 2, 2025, with over 960 outage reports logged on Downdetector by mid-morning.
  • The outage primarily affected payments (77% of reports), with fewer issues reported for logins (16%) and the app interface (6%).
  • The disruption has been linked to third-party vendor Fiserv, highlighting the systemic reliance of Zelle's bank-integrated model on external providers.
  • Zelle and its partner banks are actively working to restore full functionality, and reports of service issues have started to decline.
  • Zelle recently discontinued its standalone app in April 2025, fully transitioning to integration within banking apps for instant, fee-free domestic transfers.