How to Increase Zelle Limit |βœ… Choose Your Bank Wisely

Zelle is a fast and easy way to send and receive money. Many banks around the US use it, and they keep their functionality close to the payment and transfer systems they offer too. However, there's quite a lot of discrepancy when it comes to your Zelle limit. Different sources report varying limits. In this guide, we're going to cover how to increase Zelle limit on a bank account and explain the best deals for you. What follows is our summary.

To increase your Zelle limit, you need to change to a different bank. Your Zelle limit is set by Zelle as a third-party to your bank account. Usually this is a weekly limit of $500. If your bank operates with Zelle, it will always be Zelle setting the limit. However, each bank offers different limits, so you need to check which bank offers the best limit for you if you need to send more money per month using it. You should note that you can't contact Zelle to increase or decrease your send limit.

How to Increase Your Zelle Limit

How-to-Increase-Your-Zelle-Limit

The standard limit using Zelle Pay with most banks is $500 per day. This is the limit that most banks will give you when you set up an account with them. However, as we mentioned above, some banks have a higher limit. If you want to increase your Zelle limit, you will have to look at moving to a different bank.

What follows is a table of the most up to date numbers for Zelle limits on the banks that work with the service.

Banks and Zelle Daily/Monthly limits

BankDaily LimitsMonthly Limits
Ally$500 per day maximum$10,000 per month maximum
Bank of America$2,500 per day maximum$20,000 per month maximum
Capital One$2,000 per day maximum$10,000 per month maximum
Chase$2,000 per day maximum on Personal Checking and Chase Liquid accounts
$5,000 per day maximum for Chase Business Tracking and Chase Private Tracking accounts
$16,000 per month maximum on Personal Checking and Chase Liquid accounts
$40,000 per month maximum for Chase Business Tracking and Chase Private Tracking accounts
CitibankFor customers of less than 90 consecutive day's length:
$1,000 per day maximum for Citibank, Basic, Access, Citi Priority, Citigold, and Citi Private accounts
For customers of more than 90 consecutive day's length:
$2,000 per day maximum for Citibank, Basic, and Access accounts
$5,000 per day maximum for Citi Priority, Citigold, and Citi Private accounts
For customers of less than 90 consecutive day's length:
$5,000 per day maximum for Citibank, Basic, Access, Citi Priority, Citigold, and Citi Private accounts
For customers of more than 90 consecutive day's length:
$10,000 per day maximum for Citibank, Basic, and Access accounts
$15,000 per day maximum for Citi Priority, Citigold, and Citi Private accounts
Citizen's Bank$1,000 per day maximum$5,000 per month maximum
Discover $600 per day maximum
PNC Bank$1,000 per day maximum$5,000 per month maximum
TD Bank$1,000 per day for Transfer Within Minutes feature
$2,500 per day for Transfer Within 3 Days feature
$5,000 per day for Transfer Within Minutes feature
$10,000 per day for Transfer Within 3 Days feature
U.S. BankBetween $1,500 and $2,500 per day maximumBetween $5,000 and $10,000 per day maximum
Wells Fargo$2,500 per day maximum$4,000 per day maximum

Why do You Need a Higher Zelle Limit?

As you can see, the limits vary wildly depending on which bank you are with. To increase your limit, all you need to do is look at the above table, and decide which bank you need to move to. As long as the bank accepts your custom, you'll be able to make use of a higher Zelle Pay per day limit.

Why-do-You-Need-a-Higher-Zelle-Limit

You should only try to increase your Zelle limit if you need to. Spending within your means is the most sensible course of action anyone can take. If you use Zelle to pay for rent, or something equally expensive, then increasing your Zelle limit will help you keep all of your payments in one place.

Conclusion

Your Zelle limit is an agreement between your bank and the company themselves. There's no way to increase your limit within the same bank. The only way to do that is to move banks. As we have outlined above, you can increase your limit from as little as $400 per day to $2,500 per day with the right bank.

If the bank you're moving to is Chase, check out our guide on how to activate your card here.