We’ve read your posts and comments, and we know that Zelle® is one of the most requested features on the SoFi app.  We’re excited to share that starting today, we’re beginning to roll out Zelle® with SoFi Checking & Savings members.
To make sure we’re building a great money transfer experience, we will roll out this feature to members over the coming weeks–meaning some members will have access as early as today, while others will find it in their app within the weeks to come.
We will be prioritizing members who have made at least one transfer with SoFi using the Zelle® standalone app because we expect they’ll get immediate benefit from this feature. From there, we will also prioritize members who have set up direct deposit before rolling out the feature more broadly.
As soon as the feature is available to you, you’ll receive an email and in-app notification with the details on how to enroll. Please note that agents cannot change members’ eligibility or make the feature available to them sooner.
Why Zelle®?
Easy: Send or receive money with trusted contacts right from the SoFi app
Fast: Payments received within minutes*
Safe: Send money to people you know–account to account, with no stops
How it works
Step 1: Once you receive access, you’ll see a Zelle® card in your Banking account overview screen in the SoFi app. Tap to get started.
Step 2: In the main menu, select ‘Transfer and Pay,’ then ‘Send money with Zelle®’
Step 3: Enter your email address or U.S. mobile phone number
FAQ
Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust, even if they bank outside of SoFi. All you need is your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes. No account numbers are shared.
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into the SoFi app or on the SoFi website, select Zelle® on the Banking tab, enter your email address or U.S. mobile number to receive a one-time verification code to enter, and you’re ready to start sending and receiving with Zelle®.
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 SoFi account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
  a. Click on the link provided in the payment notification you received via email or text message.
  b. Select SoFi.
  c. 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.
Who can I send money to with Zelle®?
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 SoFi account to another person’s bank account within minutes2, 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 SoFi nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Can I pay a small business with Zelle®?
Some small businesses are able to receive payments with Zelle®.1 Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the SoFi app or SoFi website using just their email address or U.S. mobile number.
Neither SoFi nor Zelle® offers purchase protection for 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.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Can I cancel a payment?
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at 1(855)-456-7634 for assistance with canceling the pending payment.
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 you sent money to the wrong person, please immediately call our customer support team at 1(855)-456-7634. Neither SoFi nor Zelle® offers purchase protection for payments made with Zelle®.
Are there any fees to send money using Zelle®?
No, SoFi does not charge any fees to use Zelle® in the SoFi app or on the SoFi website. However, your mobile carrier’s messaging and data rates may apply.
Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is set by each participating financial institution. The SoFi send limits are detailed in the Zelle® Network Standard Terms
At SoFi, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Zelle® should only be used to send money to friends, family and others that you know and trust. We recommend that you do not use Zelle® to send money to those you do not know or have not met. Neither SoFi nor Zelle® offers purchase protection for payments made with Zelle®. For example, if you do not receive the item you paid for or the item is not as described or as you expected, you might not be able to get your money back once you send it.
U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Eligibility criteria apply. Dollar and frequency limits apply. See the Zelle® terms for SoFi users for full terms and conditions. We do not charge a fee to use Zelle®. We will send you an email alert with transaction details after you send money using Zelle®. Data connection required. Message and data rates may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
Terms and conditions apply. See SoFi.com/banking/online-banking/Zelle. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.