Send money the fast and easy way with Zelle®

You can send, request, or receive money with Zelle®. To get started, log into BNY Wealth Online app. From the Private Banking Accounts page, select the Zelle® icon.

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®. Money is available to your recipient in minutes if they are already enrolled 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 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, 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 have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your BNY account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select BNY.
3. 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.
    

Your email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. If you would like to move your email address or U.S. mobile number from the financial institution where you initially enrolled with Zelle®, simply click "Transfer" when prompted during the Zelle^® enrollment process and confirm your desired changes.

 Once you transfer your email address or U.S. mobile number, it will be connected to your account at the financial institution you selected, and you can start sending and receiving money with Zelle® right away. If you need assistance, please contact our customer support team at 800-880-5631.

Keeping your money and information safe is a top priority for BNY. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your BNY account safe.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

 Since money is sent directly from your BNY account to another person’s bank account within minutes,¹ Zelle® should only be used to send money to friends, family and others you trust.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk — just like sending cash to a person you don’t know is high risk.

Neither BNY nor Zelle® offers a protection program for any authorized payments made with Zelle®. An example is if you do not receive the item you paid for, or the item is not as described or as you expected.

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your BNY Wealth Online app using just their email address or U.S. mobile number.

Neither BNY nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No. In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If your intended recipient hasn't enrolled Zelle®, you can go to the activity page to check the payment status. To cancel the transaction, select the appropriate payment and select "Cancel This Payment." If you do not see this option available, please contact our customer support team at 800-880-5631 for assistance with canceling the pending payment.

No, BNY does not charge any fees to use Zelle® in the BNY Wealth Online app. However, your mobile carrier’s messaging and data rates may apply.

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.