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Send money to friends and family
With Zelle®, you can pay and get paid free and fast with 360 Checking.
WHY USE ZELLE®?
Speedy
Pay and get paid in minutes with enrolled family and friends.
Easy
No extra app needed to send and receive money right from your phone.
Free
Zelle® is a fee-free way to send money from your Capital One Mobile app.
HOW DOES ZELLE® WORK?
Send money fast—no cash or checks required
Settle up with friends. Pay the sitter pronto. With Zelle®, money payments and requests are simple—and free—using the Capital One Mobile app.
ZELLE® FEATURES
Send money
With Zelle®, you can pay and get paid in minutes with enrolled users—whether it’s a birthday, an unpaid IOU or a friend in need.
Add your contacts
Millions of people are already using Zelle®—make sure you add your contacts using the Address Book feature.
Receive money
With Zelle®, you don’t need to wait days. Get money fast, directly to your bank account, with no fees from us.
See the details
Use the Transaction Details page to view send dates, add memos or even cancel a payment if a recipient doesn’t enroll with Zelle®.
Send money
With Zelle®, you can pay and get paid in minutes with enrolled users—whether it’s a birthday, an unpaid IOU or a friend in need.
Add your contacts
Millions of people are already using Zelle®—make sure you add your contacts using the Address Book feature.
Receive money
With Zelle®, you don’t need to wait days. Get money fast, directly to your bank account, with no fees from us.
See the details
Use the Transaction Details page to view send dates, add memos or even cancel a payment if a recipient doesn’t enroll with Zelle®.
NEW TO CAPITAL ONE BANKING?
Check out 360 Checking
No minimums, no fees, no worries.
ALREADY A 360 CHECKING CUSTOMER?
Enroll with Zelle®
It’s easy with the Capital One Mobile app.
FREQUENTLY ASKED QUESTIONS
How do I safely send money with Zelle®?
- Only send money to those you know and trust, since a Zelle® transaction cannot be canceled once it’s sent to an enrolled user.
- Beware of scams and fraud when using any digital payment method—if something sounds too good to be true, it probably is. If the price is too good to be true, you’re not sure what you’re going to receive, or the seller of a product or service complains about “errors” with other payment methods, that’s a red flag. Don’t use Zelle® or other digital payment services to send the person money. Neither Zelle® nor Capital One offers a protection program for authorized payments, so only use Zelle® to pay those you trust.
- Treat Zelle® like cash. With Zelle®, your money moves fast—directly into the enrolled recipient’s bank account. Always double check you have the recipient’s correct U.S. mobile number or email address, so the money goes to the right person. Another safeguard we have in place is to confirm the first name of the person you’re sending money to.
Are there any fees to send money with Zelle®?
Nope! Zelle® is free to use in the Capital One Mobile app.
Can I send money with Zelle® to someone whose bank doesn’t offer Zelle®?
Yes! They can enroll at zellepay.com—then they’ll be set to receive payments when you send money with Zelle®.
Does Zelle® limit how much I can send or request?
You can send up to $2,500 per day with Zelle®. There are no limits on how much you can request with Zelle®, but keep in mind that people sending you money may have limits set by their own financial institutions.