Zelle limits are set entirely by each individual bank — not by Zelle itself. The bank-published figures below give a general sense of typical ranges, but limits can change by account age, account tier, or transfer speed, so always confirm your exact limit inside your bank’s app before relying on it for a large transfer.
Zelle Limits at Major Banks
Limits shown are typical published figures and can vary by account type, relationship, and time. Always verify your current limit directly in your bank’s app — bank-set figures can change without notice.
Big Four Banks
| Bank | Daily Limit | Monthly Limit | Notes |
|---|---|---|---|
| Chase | $500-$10,000 for each transaction | Not disclosed | Dynamically determined by Chase |
| Bank of America | $500-$3,500, depending on account age | $20,000 | Range depends on account age |
| Wells Fargo | $3,500 | $20,000 | — |
| Citibank: Standard account | $500-$2,500, depending on account age | $15,000 for enrollments established more than 30 days ago | Daily range by account age |
Chase does not publish a fixed daily or monthly Zelle limit. Instead, Chase sets the allowed amount per transaction within the range shown above.
Bank of America and Citibank both scale their daily limits by account age.
Other Major Banks
| Bank | Daily Limit | Monthly Limit | Notes |
|---|---|---|---|
| Capital One | $3,000 | Not publicly disclosed | — |
| TD Bank | $2,500 | $10,000 | Per TD’s June 2026 Zelle Payments Service terms (consumer tier) |
| Truist Bank | $2,000 | $10,000 | — |
| USAA Federal Savings Bank | $1,000 | $10,000 | Not independently confirmed this session — confirm in app |
| US Bank | Not published — account-specific, shown in app | Not published | US Bank states limits are “set per person, not per account” |
| PNC | Not published — account-specific, shown in app | Not published | PNC does not publish a universal Zelle limit |
| Regions | $2,000 | — | — |
| Fifth Third | $2,000 | — | — |
| Citizens | $2,500 | — | — |
| Huntington | $1,000 | $5,000 | — |
| M&T Bank | $1,000 | $3,000 | — |
| Quontic Bank | $500 per transaction, $1,000 per day | Not disclosed | — |
TD Bank’s standard consumer Zelle limit is $2,500/day and $10,000/month, per TD Bank’s own “External Transfer and Zelle Payments Services” terms (effective June 2026). TD Private Client Group customers ($750,000+ in liquid assets or $3,000,000+ net worth) have a higher $30,000/month cap.
Capital One confirms a $3,000-per-rolling-24-hour Zelle send limit on its own site, but does not publicly disclose a monthly limit.
US Bank and PNC do not publish a single universal Zelle limit at all — both banks say your specific daily and 30-day limit is account-specific and shown only in their mobile app.
No More Standalone Zelle App
Zelle discontinued its standalone mobile app in April 2025. Previously, customers whose bank didn’t support Zelle natively could download the separate Zelle app and link a debit card — with lower limits than most bank-integrated accounts. That workaround is gone. Zelle is now available only through the app or website of a participating bank or credit union.
What If Your Bank Is Not Listed?
If your bank is not in the table, the safest answer is that Zelle limits still depend on your bank, account type, and transfer history. Some banks publish exact limits, while others only show them inside the mobile app or through customer service.
If you are searching for a specific bank, look for phrases like “Zelle limit,” “transfer limit,” or “send money limit” inside your bank’s app. If that still does not show an exact number, contact customer service and ask for the daily and monthly Zelle limit on your account.
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