How to Use Zelle | Santander Bank - Santander
Send money directly from your account to theirs—typically in minutes.1
Send or receive money right from your Santander Mobile Banking App.
Send money to almost anyone you know and trust1 using just an email address or U.S. mobile phone number.
Download the Santander Mobile Banking App.
Getting started is easy:
1. Log in to Santander Mobile Banking App.
2. Access Zelle® in Quick Links from Account Overview
or in the Bottom Navigation Menu.
3. Enroll your U.S. mobile number or email address.
4. Send money to friends, family, and others you know and trust.
Quick Links from
Send money fast with Zelle®
It’s easy to send and receive money or split the cost of a bill with friends and family when using Zelle®. Now available in our Mobile Banking App.
Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.1
You can send money to friends, family, and others you trust.1
Since money is sent directly from your bank account to another person’s bank account within minutes,1 it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.
You can send, request, or receive money with Zelle®. To get started, log in to the Santander Bank, N.A. Mobile Banking App, and select “Send Money with Zelle®.” Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving 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 phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1
- To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review, and hit “Request”.3
- To receive money, just share your enrolled email address or U.S. mobile phone 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 move directly into your bank account, typically within minutes.1
If 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 Santander Bank, N.A.
- 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.
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.1
Since money is sent directly from your bank account to another person’s bank account within minutes,1 Zelle® should only be used to send money to friends, family, and others you trust.
Neither Santander Bank, N.A. nor Zelle® offers a protection program for any authorized 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.
Santander Bank, N.A. does not charge any fees to use Zelle®.
It’s easy—Zelle® is already available within the Santander Bank, N.A. Mobile Banking App! Check our app and follow a few simple steps to enroll with Zelle® today.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
When you enroll with Zelle® through the Santander Bank, N.A. Mobile Banking App, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Santander Bank, N.A.). When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies Santander Bank, N.A. of the incoming payment. Santander Bank, N.A. then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender’s and recipient’s bank accounts must be based in the U.S.
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 the person you sent money to has already enrolled with Zelle®, 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 trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at 877-726-5640 so we can help you.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Santander Bank, N.A. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your bank account safe.
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® for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Santander Bank, N.A. nor Zelle® offers a protection program for any authorized 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.
Transactions between enrolled consumers typically occur in minutes. If your recipient is not yet enrolled, they will receive a notification to enroll to receive your payment.
At Santander Bank, in order to send money with Zelle® using the “typically within minutes” option, you must have an active Santander Bank Debit Card that is not expired, reported as lost/stolen or has any holds placed on it. Additionally, our current requirements are that your recipient has an active debit card at their bank or credit union, too. If either you or your recipient do not have an active debit card, the transaction will automatically be sent “standard” delivery (1-3 business days).
Please note that when you are sending money to someone, the system will inform you when those funds should be available to the receiver before you complete the transaction.
- In order to enroll with Zelle® at Santander Bank, you must be 16 years of age or older.
- You must have a Santander Bank checking account.
- You must have an email address and cell phone number listed on your Santander profile.
- You must have a U.S. address on your Santander profile.
Download the Santander Mobile Banking App.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.