Send and receive money with Zelle® in minutes.*
There are no fees1 to use Zelle® in our app2.
Zelle® is a convenient way to send and receive money with friends, family and others you trust. Whether you’re splitting the cost of a meal, gift, or trip, Zelle® makes it easy to pay your share. Over 100 million people are enrolled with Zelle®, so you can send money to friends and family even if they don't bank at Western Alliance Bank.*
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Why use Zelle®
NO FEES
There are no fees to use Zelle® in our mobile app.
CONVENIENT
Zelle® is available in the WA Personal Mobile App, so there's no need to download another app.
FAST
Money goes straight into your account and is available to use in minutes.*
PRIVATE
All you need is an email address or U.S. mobile number. Your account information and activity stay private.
Make the switch to Zelle®.
Download the WA Personal Mobile App to get started:
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Enroll with Zelle® in 3 simple steps:
Log In
Log into the WA Personal Mobile App.
Select
Tap "+" at the bottom of the screen, then select the Zelle® icon.
Enroll
Enroll your email address or U.S. mobile number.
You’re ready to start sending and receiving money with Zelle®.
Zelle® transactions show up in your account activity, so you can easily keep track of your money. Next time you need to send money, use Zelle®!
Frequently Asked Questions
Zelle® is a convenient way to send and receive money with friends, family and others you trust. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at Western Alliance Bank.*
You can send, request, or receive money with Zelle®. To get started, log into WA Personal Mobile App. Tap "+" at the bottom of the screen, then select the Zelle® icon.
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 U.S. 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 Western Alliance Bank account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Western Alliance Bank.
- 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.
Keeping your money and information secure is a top priority for Western Alliance Bank. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Western Alliance Bank account safe.
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.*
Since money is sent directly from your Western Alliance Bank account to another person's bank account within minutes*, 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®. Much like sending cash to someone you don’t know, these transactions are potentially high risk.
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the WA Personal Mobile App using just their email address or U.S. mobile number.
Neither Western Alliance Bank 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. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.
Please contact our customer support team at (888) 271-0610. Though Western Alliance Bank and Zelle® do not offer purchase protection, qualifying imposter scams may be eligible for reimbursement.
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
No, Zelle® payments cannot be reversed.
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 (888) 271-0610 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app, 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 know and trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.
You are responsible for reviewing the Zelle® transaction activity on your account. If you believe there is a transaction error, please immediately call our customer support team at (888) 271-0610 to determine what options are available.
No, Western Alliance Bank does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier's messaging and data rates may apply.
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine your send limits with Western Alliance Bank, call our customer support team at (888) 271-0610.
At Western Alliance Bank, 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.
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Zelle® QR code provides peace of mind knowing you can send and receive money with the right person, without typing or providing an email address or U.S. mobile number.
To locate your Zelle® QR code, log into the WA Personal Mobile App. Tap "+" at the bottom of the screen, then select the Zelle® icon. Click "Send," then click on the QR code icon displayed at the top of the "Select Recipient" screen. Navigate to "My Code." From here you can view and use the print or share icons to text or email your Zelle® QR code.
To send money, log into the WA Personal Mobile App. Tap "+" at the bottom of the screen, then select the Zelle® icon. Click "Send," then click on the QR code icon displayed at the top of the "Select Recipient" screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle® QR code, enter the amount, hit "Send," and the money is on the way! When sending money to someone new, it's always important to confirm the recipient is correct by reviewing the displayed name before sending money.
1. Fees may be imposed for additional services related to online banking. Refer to Personal Online Banking Setup and Authorization for more information. Enrollment in eStatements, Zelle® or Bill Pay require additional terms and conditions.
2. Western Alliance Bank Personal and Business Mobile Banking apps are available to all online banking customers. Features may vary based on device type. No additional fee to download the app; use of some features may incur additional charges. Mobile carrier message and data rates may apply.
* To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.