If you're searching for an app that can deliver money at the speed of light, Zelle might be a good choice. So that users can transfer funds rapidly to friends, relatives and anyone else, Zelle has built a network of U.S.-based banks and financial institutions, including credit unions. The result? Zelle allows users of Z to send cash instantaneously into another person's bank account. The app works best when you send money to other Z users. After you do the simple Zelle download onto your preferred device, you'll be ready to go.

It takes about five minutes to effect the Zelle download onto your phone or computer. After you download the Zelle app, you'll need to enroll into the exchange via a MasterCard or Visa bank debit card. If you don't have a debit or credit card, it's okay to use any U.S.-based checking account instead. 

Next, note that some banks will let you use your online banking info to make things easier. You simply use the password and username you already have for your online banking setup for Zelle purposes

When you want to transmit funds to someone, for whatever reason, you'll need their mobile phone number or their full email address. After that, tell the app how much you want to transfer and click the "send" button on the screen. When money is transferred to someone who already uses Zelle, the transmission of funds is instant. If the receiver does not have Zelle, then they will still get the funds, but will have to verify their identity and perform other steps to receive the transfer into their bank. 

Zelle Download: Essential Information

Anyone who wants to take advantage of the Zelle download functions should remember that there is no cost for using Zelle. There are, however, a few restrictions to know about. First, you must have an account with a U.S.-based financial institution or you won't be able to use the Zelle app at all. Plus, when you do the Zelle download onto your smartphone or similar device, be ready to pay whatever your usual data rates are for messaging. In most cases, these fees are minimal or nothing at all. But know what they are before using the Zelle app.

With Zelle, there are no web-store payment functions, no capability for international transfers. Finally, whoever you send the funds to will need to have an account with at least one of the multiple "partner institutions" that Zelle uses within its network.