Can Zelle Be Used With Apple Pay? No—But There's a Workaround

PDF download Download Article
Try this workaround to transfer money from Zelle to Apple Pay
PDF download Download Article

Have you ever wondered if you can add Zelle to your Apple Pay account? Unfortunately, this isn't possible. Zelle only works with bank accounts and debit cards, and Apple Pay isn't a bank. In this article, we'll go over why Zelle and Apple Pay don't work with each other, and offer a workaround for using Zelle to get money to a debit card that's connected to your Apple wallet.

Using Zelle with Apple Pay

Zelle does not work with Apple Pay. Zelle is a service that transfers money between bank accounts, and Apple Pay (nor Apple Wallet or Apple Cash) isn't a bank. However, you can use Zelle to transfer money to a debit card that is connected to Apple Pay, as long as the debit card is also connected to your Zelle account.

Section 1 of 2:

Can I use Zelle with Apple Pay?

PDF download Download Article
  1. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/f\/f3\/Creep-Out-Your-Friends-over-Text-Step-5.jpg\/v4-460px-Creep-Out-Your-Friends-over-Text-Step-5.jpg","bigUrl":"\/images\/thumb\/f\/f3\/Creep-Out-Your-Friends-over-Text-Step-5.jpg\/v4-728px-Creep-Out-Your-Friends-over-Text-Step-5.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>\u00a9 2024 wikiHow, Inc. All rights reserved. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. This image is <b>not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc.<br>\n<\/p><p><br \/>\n<\/p><\/div>"}
    Zelle only works to transfer money between bank accounts or debit cards. It's not a payment method in and of itself, and you cannot store your money with Zelle. Zelle is simply the service that moves money between bank accounts.
    • Zelle also doesn't work with Apple Cash, as Apple Cash is not a debit card. Zelle only works to move money between bank accounts, including debit cards that are connected to a checking account. [1]
    2. Advertisement
Section 2 of 2:

Zelle to Apple Pay Workaround

PDF download Download Article
  1. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/9\/9e\/What-Does-the-Yellow-Dot-Mean-on-Snapchat-Step-8.jpg\/v4-460px-What-Does-the-Yellow-Dot-Mean-on-Snapchat-Step-8.jpg","bigUrl":"\/images\/thumb\/9\/9e\/What-Does-the-Yellow-Dot-Mean-on-Snapchat-Step-8.jpg\/v4-728px-What-Does-the-Yellow-Dot-Mean-on-Snapchat-Step-8.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>\u00a9 2024 wikiHow, Inc. All rights reserved. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. This image is <b>not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc.<br>\n<\/p><p><br \/>\n<\/p><\/div>"}
    As Zelle only transfers money between bank accounts, you will need a debit card connected to your checking account.
    • Zelle is built into most banking apps. To get started, tap the Zelle option in your banking app and follow the on-screen instructions to sign up.
      • If you don't have Zelle in your banking app, you can download the Zelle app from the App Store . Launch the app to create an account and connect your debit card to get started.
      • If you are using Zelle to send money to yourself, you will need separate Zelle accounts for each bank account. You will need either a phone number or email to create an account, and each phone number or email can only be used once.
    • To add a debit card, check out this wikiHow article on adding cards to Apple Pay .
  2. 2
    Use Zelle to transfer money to your debit card. If you're getting money from someone else, have them use Zelle to send money to your debit card (or bank account connected to your debit card). If you're sending money to yourself, use your second Zelle account to send the money to your primary Zelle account that's connected to the debit card you have in Apple Pay.
    • If you use Zelle through your banking app, simply tap the Zelle option and follow the on-screen instructions to send money. Each banking app may work slightly differently, but you will likely have to select the Send money option, then choose a recipient and enter how much money you want to send.
    • If you use Zelle through the Zelle app, tap the Send button, select your recipient (tap Access Contacts if your recipient isn't on the list), then enter how much money you want to send.
  3. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/0\/08\/Fake-Drunk-Text-a-Guy-Step-5.jpg\/v4-460px-Fake-Drunk-Text-a-Guy-Step-5.jpg","bigUrl":"\/images\/thumb\/0\/08\/Fake-Drunk-Text-a-Guy-Step-5.jpg\/v4-728px-Fake-Drunk-Text-a-Guy-Step-5.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>\u00a9 2024 wikiHow, Inc. All rights reserved. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. This image is <b>not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc.<br>\n<\/p><p><br \/>\n<\/p><\/div>"}
    The Zelle transfer should be instant unless you sent it in the evening, on the weekend, or over a holiday. Once the money is in your account, you can use the debit card via Apple Pay.
    4. Advertisement

Expert Q&A

Ask a Question
200 characters left
Include your email address to get a message when this question is answered.
Submit
      Advertisement

      Video

      Tips

      • Zelle works with Apple Bank, a bank in New York and New Jersey. [2] Apple Bank has no affiliation with Apple.
        Thanks
        Helpful 0 Not Helpful 0
      • The Zeller debit card can be used with Apple Pay. [3] The Zeller debit card is available in Australia.
        Thanks
        Helpful 0 Not Helpful 0
      Submit a Tip
      All tip submissions are carefully reviewed before being published
      Name
      Please provide your name and last initial
      Submit
      Thanks for submitting a tip for review!
      Advertisement

      You Might Also Like

      How to
      Add Venmo to Wallet on iPhone: Complete Guide
      How to
      Request Money on Apple Pay
      How to
      Move Money From Cash App to Apple Pay: Easy Guide
      Adding Gift Cards to Apple Pay: Which Cards You Can Add and How
      How to
      Add Cash to Apple Wallet without a Debit Card
      5 Easy Ways to Use Apple Wallet on an iPhone
      How to
      Pay for Apps on iPhone or iPad
      13 Ways to Fix Apple Cash When It's Not Working: Tips & Tricks
      How to
      Shop on Amazon When You Use Apple Pay: Alternatives
      Apple Pay: How to Use Your iPhone's Digital Wallet to Pay In-Store
      How to
      Send Money from Apple Pay to Cash App: Step-by-Step Method
      Everything You Need to Know About Scams on Apple Pay
      Advertisement

      References

      1. ↑ https://www.zellepay.com/safety-education/about-zelle-networkr
      2. ↑ https://www.applebank.com/personal/services/zelle
      3. ↑ https://www.myzeller.com/business-debit-card/apple-pay

      About This Article

      Thanks to all authors for creating a page that has been read 219 times.

      Is this article up to date?

      Advertisement