Zelle users are wondering what prepaid cards work with Zelle. If you're one of them, then you're at the right place.
Zelle is a digital payment service that lets users easily send and receive money online conveniently and safely.
Zelle counts huge amount of funds transferred in a single year and, according to the Zelle, consumers and businesses sent 1.8 billion payments through the Zelle Network® during 2021.
Transfers are instant with Zelle meaning, you can skip the long wait for transferring money from one bank account to another and transfer funds instantly through Zelle.
Zelle's integration into most U.S. banks has been possible thanks to its convenience and easy to use features to transfer money between banks instantly.
Most banks such as Varo work with Zelle. You can also use Chime with Zelle.
Zelle works with banks and credit unions and its support for prepaid cards isn't yet extended as compared to its support for banks and credit unions.
Knowing what prepaid cards work with Zelle will help you know if you can use your prepaid cards on Zelle to facilitate transfers.
That said, this article focuses on showing you what prepaid cards work with Zelle.
Table of Contents
What is Zelle?
Zelle is a payments network that allows you to send money from your bank account to someone else's bank account easily, quickly, and securely.
Transactions with Zelle typically take only a few minutes, and anyone who uses the platform can send and receive money for free.
Zelle users sent $490 billion in 1.8 billion transactions in 2021, and nearly 3,000 financial institutions joined the Zelle network.
How Does Zelle Work?
Zelle uses the Automated Clearing House (ACH) payments system to quickly send payments between U.S. bank accounts.
While you could make an ACH payment to a friend from your bank account, the transaction could take up to three days to complete. Your money will arrive in minutes with Zelle.
How to Set Up Zelle
There are two ways to setup Zelle; through your financial institution or by using the Zelle app directly.
How to Set Up Zelle Through Your Financial Institution
If Zelle works with your financial institution (bank or credit union), linking Zelle to your account can be done in just a few steps.
All you need to do is to login to your bank account online and follow the steps to link Zelle to your account.
How to Set Up Zelle Directly
If your financial institution does not support Zelle payments, you could link your bank account to Zelle directly through the Zelle app.
All you'll need is your debit card details and your billing information.
What Prepaid Cards Work With Zelle?
Generally, Zelle does not work with prepaid cards, but however, Zelle supports some prepaid cards.
Zelle only accepts prepaid cards from a few of the Zelle Network Banks.
The Zelle Network Banks are traditional brick-and-mortar banks. Prepaid cards that work with Zelle include; Access 360° Prepaid Card, PNC SmartAccess® Prepaid Visa® Card and the Chase Liquid Card (now called Chase Secure Banking).
That means Zelle does not work with many of the major brand prepaid cards for sending or receiving money.
If your prepaid card does not work with Zelle and you want to move money to a bank account, here's a guide to transfer money from prepaid card to bank account and how to transfer money from bank account to prepaid card.
Does Zelle Work With Walmart Money Card?
No, Zelle does not work with Walmart money card since it is one of the prepaid cards not supported by Zelle.
Can I Use Zelle Without a Debit Card?
Yes, you can use Zelle without a debit card only if Zelle works with your bank or credit union.
That is to say, if your bank does not support Zelle, you would have to link your debit card to Zelle before sending and receiving payments through the app.
How to Send Money With Zelle
Sending money with Zelle is easy once your account is setup.
1. Decide Who to Pay
Zelle is best used for sending money to people you know and trust, such as friends or family.
For instance, if you went out to dinner with friends and want to reimburse one of them for your meal, you can send your friend $50 via Zelle.
Zelle can also be used with service providers or small businesses such as babysitters, lawn care professionals, and hairstylists.
2. Enter the Recipient's Email Address or Phone Number
You can send money instantly through Zelle to anyone with a bank or credit union account in the United States. All you need is their Zelle account's email address or U.S. mobile phone number.
3. Decide How Much to Send
Zelle will ask you how much money you wish to send. Simply enter a figure that is within your weekly send limit, and you're set.
4. Send the Money
Tap "send" to send the payment instantly.
If the receiver already uses Zelle, the funds will be transferred to their bank account within minutes.
If they are not already enrolled, they will receive a text or email with instructions on how to claim the payment.
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- How to Transfer Money from Debit Card to Prepaid Card
- How to Transfer Money from Debit Card to Another Debit Card
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Zelle is a digital payment service that lets users transfer payments instantly.
Zelle works with most U.S. banks and credit unions but not with does not work with all prepaid cards.
Zelle works only with prepaid cards issued by Zelle Network banks.
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