Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 bank and credit union apps, so you can send money to enrolled friends and family even if they don’t bank at Capital One.

To enroll to use Zelle®, log in to the Capital One Mobile app. In the main menu, select your checking account, then "Send Money with Zelle®" to begin enrolling. Affirm you have agreed to the terms and conditions, select which email or U.S. mobile number you wish to be found with on Zelle®, complete verification and you will now be ready to use Zelle®!

You can send, request or receive money with Zelle®. To get started, log in to the Capital One Mobile app. If you haven’t used Zelle® before, you’ll need to enroll. To get started, navigate to your Capital One checking account and select Send Money with Zelle®. You’ll only need your U.S. mobile number or email address to enroll through your bank.

One thing to keep in mind: If you previously enrolled in Zelle® through a different financial institution, you may be prompted to confirm you’re okay with your U.S. mobile number or email address being removed from your previous account to be enrolled in the new account.

After you complete the enrollment process, you can start using Zelle® right away.

1. From the Zelle® page, start by choosing Send. Then you’ll see a prompt asking for the recipient’s contact information. Simply type in their full name, U.S. mobile number or email address to locate your recipient and select them from your contacts.
2. Finally, enter the amount of money you’d like to send. Before you confirm your payment or request, make sure you double-check the information you provided. You may not be able to cancel the payment if you use the wrong email address or U.S. mobile number.
3. If you’re certain the information is correct, tap or slide to authorize the payment. You can also include a note in the Memo field explaining why you sent the payment.

To send money using Zelle®, simply 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®. 

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you’re 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.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you’ve already enrolled with Zelle®, you don’t need to take any further action. The money will be sent directly into your Capital One account, typically within minutes.

If someone sent you money with Zelle® and you haven’t yet enrolled with Zelle®, follow these steps:

• Click on the link provided in the payment notification you received via email or text message.
• Select Capital One.
• Follow the instructions provided on the page to enroll and receive your payment.
• Pay attention to the email address or U.S. mobile number where you received the payment notification—you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

You can use Zelle® with any of your Capital One checking accounts, including 360 Checking and MONEY Teen Checking accounts.