Send and receive money with Zelle® using the Schwab Mobile app.
How does it work?
Access Zelle® through the Schwab Mobile app,1 and use your Schwab Bank Investor Checking™ account2 to send or 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®.3
Already have a checking account with us? Get started today:
Download the Schwab Mobile app. You must have an email address or U.S. mobile phone number.
In the app, select "More," and then select "Send Money with Zelle®." You will need the recipient's email address or U.S. mobile phone number.
Follow the enrollment prompts and then you're ready to send or request money with Zelle®.
Don't have a Schwab Bank Investor Checking™ account?
Why use Zelle®?
Fast
Send money in minutes3 from your account directly to friends, family, or others you trust.
Safe
When you use Zelle® within the Schwab Mobile app, your information stays safe and is never shared with the person you are sending it to.
Easy
Simply search for Zelle® in your Schwab Mobile app and follow the one-time enrollment prompts. Then add recipients to start sending or requesting money.
Download the Schwab Mobile app today.
Don't have a Schwab Bank Investor Checking™ account? You can open an account right in the app.
Common questions about transferring money with Zelle®
Zelle® is a convenient way to send and receive money with friends, family, and others you trust through the Schwab Mobile app. 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 2,300 bank and credit union apps, so you can send money to friends and family even if they don't bank at Charles Schwab Bank, SSB ("Schwab Bank" or "Charles Schwab Bank").3
You can send, request, or receive money with Zelle®. To get started, log into the Schwab Mobile app. In the More menu, select Send Money with Zelle®.
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, enter the enrolled email address, U.S. mobile number, or Zelle® tag, enter the amount, and tap Request.
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 Schwab Bank Investor Checking™ account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
1. Click on the link provided in the payment notification you received via email or text message.
2. Select Schwab Bank.
3. 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 Schwab Bank. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Schwab Bank account safe.
Neither Schwab Bank nor Zelle® offer 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.
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
No, Schwab Bank does not charge any fees to use Zelle® in the Schwab Mobile app.
