Transfer and cash limits
Zelle limits by bank: how much can you send?
Enter the amount you need to send. The tool shows each bank’s published Zelle limit and how many days the sum takes under it; banks that keep the figure in the app say so.
Providers publishing a figure, of 17
7
The others show their limit only inside the app or online banking.
| Bank | Limit | $8,000 takes |
|---|---|---|
| Bank of America | $3,500 a day | 3 days |
| Wells Fargo | $3,500 a day | 3 days |
| Citi | $2,500 to $5,000 a day | 4 days |
| TD Bank | $2,500 a day | 4 days |
| Navy Federal Credit Union | $2,000 a day | 4 days |
| USAA | $1,700 a day | 9 days |
| Chase | $500 to $10,000 a day | 16 days |
| U.S. Bank | not published | – |
| PNC | not published | – |
| Truist | not published | – |
| Capital One | not published | – |
| Regions | varies by location | – |
| M&T Bank | not published | – |
| Fifth Third | page not readable | – |
| Citizens | page not readable | – |
| Huntington | page not readable | – |
| KeyBank | page not readable | – |
Zelle has no limit of its own: each bank sets it, and many lower it for new users or new recipients. A payment to a stranger cannot be reversed.
Everything you enter stays in this browser: nothing is sent or stored.
Zelle has no sending limit of its own: its help pages say limits are set by each bank or credit union. Some banks write them into their online banking or Zelle agreement, and the figures read on October 27, 2026 differ widely for a standard consumer account. Wells Fargo allows $3,500 in any 24 hours and $20,000 in 30 days. Bank of America allows $3,500 a day and $20,000 a calendar month once you have been enrolled more than 60 days, but $1,000 in the first 30 days. Citi allows $2,500 to $5,000 a day for a standard account, $500 for a new enrollment. TD Bank allows $2,500 a day and $10,000 a month; Navy Federal $2,000 a day for payments sent within minutes; USAA $1,700 in 24 hours, $5,000 in 7 days. Chase now sets the daily limit per payment in tiers of $500 to $10,000. U.S. Bank, PNC, Truist, Capital One and M&T show their limits only in the app. Zelle payments to an enrolled recipient cannot be reversed.
Fees, limits and rules read by Radif Partners · Editorial policy · Method
Published Zelle limits, bank by bank
| Bank or app | Limit | 30 days or month | Condition |
|---|---|---|---|
| Chase | $500 to $10,000 a day | – | dynamic tiers of $500, $2,000, $5,000 or $10,000 a day, set per payment and shown in the app; agreement of October 16, 2026 |
| Bank of America | $3,500 a day | $20,000 | after 60 days enrolled, 10 payments a day; $1,000 in the first 30 days, $2,000 from day 31 to 60; $500 to an unenrolled recipient |
| Wells Fargo | $3,500 a day | $20,000 | rolling 24 hours, consumer account; some customers see higher limits |
| Citi | $2,500 to $5,000 a day | $15,000 | $2,500 standard, $5,000 Priority and Citigold; $500 a day for new enrollments |
| U.S. Bank | not published | daily and 30-day limits set per person, shown in online banking | |
| PNC | not published | shown only in the PNC Mobile app | |
| Truist | not published | set at Truist’s discretion, may be shown in the app | |
| Capital One | not published | shown when setting up a payment | |
| TD Bank | $2,500 a day | $10,000 | |
| Regions | varies by location | daily and 30-day limits by account and history, shown in the app | |
| M&T Bank | not published | shown on the payment screen | |
| Navy Federal Credit Union | $2,000 a day | $12,000 | payments within minutes; separate $3,000 for standard 1 to 3 business day payments |
| USAA | $1,700 a day | $10,000 | any 24 hours, 10 payments |
| Fifth Third | page not readable | ||
| Citizens | page not readable | every official page returned an access error from our reading location; nothing is shown for this bank | |
| Huntington | page not readable | every official page returned an access error from our reading location; nothing is shown for this bank | |
| KeyBank | page not readable | every official page returned an access error from our reading location; nothing is shown for this bank |
Banks marked “not published” do have limits; they show them inside online banking or the app, often on the payment screen, and in some cases change them per payment. A missing figure is not a sign of a high limit.
How long a large payment takes
A sum above the daily limit has to be split over several days, and a weekly or monthly cap can stretch it further. Most banks count on a rolling window: Wells Fargo uses 24 hours and 30 days, USAA 24 hours, 7 days and 30 days, Bank of America the calendar day and calendar month. The calculator below works out the days for any amount and limits, sending the most allowed each day.
How many days to send it?
Days of sending
4
| Per day | $2,500 |
| Last day sends | $500 |
Sending $2,500 a day, the most allowed.
At $3,500 a day, $8,000 takes 3 days; at USAA’s $1,700 a day with a $5,000 weekly cap, it takes 9 days. For a car or a deposit, that delay is often the reason to use a wire or a cashier’s check.
Lower limits for new users and new recipients
Several agreements cut the limit at the start. Bank of America allows $1,000 a day in the first 30 days of enrollment and $2,000 from day 31 to 60, $500 a day to a recipient not yet enrolled in Zelle and $2,000 a day to a new recipient for the first five days. Citi allows $500 a day and $2,500 a month after a new enrollment or a profile change. These rules are anti-fraud measures: a stolen login or a new scam victim cannot empty an account in one day.
Before you send: Zelle is like cash
Zelle says payments cannot be reversed once the recipient is enrolled, and it separates two cases. A payment you did not authorize, sent by someone who took over your account, is fraud, and your bank typically has to refund it. A payment you made because you were tricked is a scam, and you may not get the money back, although some qualifying imposter scams are reimbursed. Send only to people you know, check the phone number or email before confirming, and never pay a stranger for goods you have not received. The fake check page describes the overpayment trick that often ends with a Zelle request.